Many studies have concluded that consumers will be highly price sensitive when they shop on insurance exchanges. In response, insurers have created new products that keep prices down by aggressively limiting the doctors and hospitals where patients can go for care. MORE
can now purchase private health insurance in 14 state-based marketplaces (SBMs), along with the federally facilitated marketplace (FFM). Let me start with a few basic facts about health insurance marketplaces: Subsidies for low- and moderate-income Americans. MORE
Health Insurance Options for Businesses by Paychex, Inc. Read about the benefits of health insurance for businesses and employees, as well as important decision-making criteria for business owners. Click here for more information on Health Insurance Options for Businesses. MORE
Consumers fumed over the rollout of Healthcare.gov and the state health insurance exchanges last fall. For consumers accustomed to easy shopping on Amazon or eBay, choosing a health insurance plan online was an exercise in frustration. That frustration highlights how important it is for insurers – not only health insurers, but also property and casualty and, increasingly, life insurers – to master digital. So what does digital excellence in insurance look like? MORE
I’ve invited Erin Ardleigh, President of Dynama Insurance and one of the best professionals I know, to give you a few tips on successful communication in business: I say “insurance salesperson”…. Well, I have to admit, I’m an insurance salesperson. MORE
benefits compensation health insurance healthcare healthcare reform HR policies legal issues documentation Tax reform2017 has been a whirlwind year, and, not to be outdone, the Trump administration has ended it with a bang by passing the tax reform bill. MORE
This past Friday, I had the opportunity speak to the TN Association of Fraternal Insurance Counselors and share the podium with one of the legends. This past week, I had the honor to speak with a group of insurance agents comprising the Tennessee Fraternal Insurance Counselors. How old are you? Who cares! Anyone who has shared a stage with the likes of Zig Ziglar must be awesome. Mr. Garry Kinder, CEO of Kinder Brothers International , is just that guy. MORE
While the details are still sketchy, it seems likely that the new bill will leave many lower-income Americans without access to health insurance. The provision of health insurance by organizations is a sensible business decision—especially for low-income individuals. Health Insurance Can Reduce Stress. Among other positive outcomes, health insurance significantly decreases the level of stress employees experience, as a study described in a recent working paper shows. MORE
There is little doubt that the widespread adoption of autonomous vehicles will have a huge impact on the automobile insurance industry. Since insuring privately owned vehicles is what the auto insurance industry has been all about, insurers have every reason to be concerned about their future growth and profitability. However, auto insurers have one factor weighing in their favor: The shift to fully autonomous vehicles will be gradual. Infrastructure insurance. MORE
October is National Cyber Security Awareness Month , and a new survey from small business insurer Travelers reveals that one in four women entrepreneurs are not completely confident about their level of protection against cyber threats. Furthermore 42% are not very confident that they have adequate insurance coverage to protect against other insurable risks. MORE
a venture-backed insurance startup, to provide some reassurance against unexpected events for riders who will be testing its upcoming autonomous shuttle service. The insurance coverage will include several protections for passengers for the duration of each trip including lost property, trip interruption benefits, and medical expense reimbursement. Based in San Francisco, all insurance in the US is delivered byTr?v v Insurance Solutions, LLC, a licensed insurance producer. MORE
The post Explaining the Health Insurance Marketplace to Employees [video] appeared first on Engaging Leader. This short video is a light-hearted, visual approach to what could be a very boring topic. MORE
Risk Management business management introduction introduction to risk management risk avoidance risk control risk insurance risk mitigation risk monitoring risk transfer strategydriven MORE
White says, "The SEC''s mission is tripartite: protect investors, facilitate capital formation, and insure the fairness and integrity of the marketplace.". MORE
Insurance. We are purchasing this insurance as a safety net against something bad happening. The post The Insurance Every Leader Needs appeared first on Kevin Eikenberry on Leadership & Learning. MORE
Complimentary Resources complimentary whitepaper evaluating health plans evaluating healthcare insurance healthcare insurance healthcare plans obamacare strategydriven UnitedHealthEvaluating Health Plans by UnitedHealth Group Factors to Consider When Evaluating Health Plans. MORE
The industries most susceptible to disruption are those selling information-based services that can be delivered digitally – and a perfect example is the insurance industry. We estimate that up to $400 billion in insurance premiums could change hands within the industry over the next year. And outsiders are responding, already experimenting with digital approaches to insurance. Of course, it takes more than market research and distribution to be an insurer. MORE
Hansen Progressive Insurance Southwest Airlines StrykerGreat by Choice: Uncertainty, Chaos, and Luck – Why Some Companies Thrive Despite Them All Jim Collins and Morten T. Hansen Harper Business/A HarperCollins Imprint (2011)Additional and even more valuable revelations about “the principles that distinguish great organizations from good ones” For as long as I can remember, Jim Collins has been a research-driven business [.]. MORE
The behavioral biases play out in a simple paradox: People overconsume health care but underconsume prevention, and insurers or taxpayers are left with the bill. The same plays out with many lines of insurance, where the immediate benefits of poor choices outweigh the often hidden cost of dealing with their consequences, such as reckless driving or failing to flood-proof infrastructure in highly exposed communities. The result is a structural transformation of insurance. MORE
Bob's blog entries 3M Arne Gast Crowdsourcing your strategy may sound crazy Dutch insurer AEGON global IT services provider HCL Technologies Management Innovation eXchange (MIX) Michele Zanini Raul Lansink Red Hat (the leading provider of Linux software) Rite-Solutions The McKinsey Quarterly The social side of strategy Wikimedia MORE
tax law has made this task even harder with its elimination of the individual mandate for health insurance, a part of the Affordable Care Act that requires individuals to buy insurance or risk having to pay a tax penalty. We believe that a modified approach to HDHPs — one that uses value-based insurance design (V-BID) — can both bolster HDHP enrollment and encourage people not to skip essential care. Zelma Brezinska/EyeEm/Getty Images. MORE
The question of whether the United States will have functioning markets where individuals can buy health care insurance lies at the heart of the current debate about repealing and replacing the Affordable Care Act (ACA). Since about 20 million Americans depend on these markets for insurance — and thus access to health care — their functioning is also essential to the future of the U.S. There is no great mystery about how to shore up private insurance markets. MORE
Small Business Women On Business Sponsors business insurance small business We''ve Moved! Update your Reader Now. This feed has moved to: [link] If you haven''t already done so, update your reader now with this changed subscription address to get your latest updates from us. link]. MORE
She said I had confused "insure" with "ensure." Here is what Grammar Book says about assure vs. insure vs. ensure: Assure is to promise or say with confidence. Insure is to cover with an insurance policy. MORE
We''ve Moved! Update your Reader Now. This feed has moved to: [link] If you haven''t already done so, update your reader now with this changed subscription address to get your latest updates from us. link]. Reader Submission MORE
Service companies and contractors usually mention that they are “bonded, licensed, and insured” when they advertise their services. As customers, it is important to know whether a company is bonded, licensed, or insured. What does it take to be bonded, licensed, or insured? MORE
Health insurance costs continue to rise, leaving many small to medium-sized companies at a disadvantage in offering high level health insurance benefits to their employees. But many companies are turning to Supplemental Insurance to help fill the gaps. MORE
The industries most susceptible to disruption are those selling information-based services that can be delivered digitally – and a perfect example is the insurance industry. We estimate that up to $400 billion in insurance premiums could change hands within the industry over the next year. And outsiders are responding, already experimenting with digital approaches to insurance. Of course, it takes more than market research and distribution to be an insurer. MORE
“Say a hardworking American loses his job — we shouldn’t just make sure he can get unemployment insurance; we should make sure that program encourages him to retrain for a business that’s ready to hire him. But unemployment insurance ends once you land a new job. MORE
Hansen Progressive Insurance Southwest Airlines StrykerGreat by Choice: Uncertainty, Chaos, and Luck – Why Some Companies Thrive Despite Them All Jim Collins and Morten T. Hansen Harper Business/A HarperCollins Imprint (2011) Additional and even more valuable revelations about “the principles that distinguish great organizations from good ones” For as long as I can remember, Jim Collins has been a research-driven [.]. MORE
Karl's blog entries Adam Markel Amazon.com Atria attorney best selling business books entrepreneur first friday book synopsis motivation Peak Potentials Pivot real estate Reinventing Your Career and Life self improvement title insurance Wall Street JournalOnly one book debuted on the Wall Street Journal business best-seller list this week (July 23-24, p. The book is entitled Pivot: The Art and Science of Reinventing Your Career and Life (Atria Books, 2016). MORE
Big insurers are taking a break from the new — figuring out how to pay for value, rather than volume, of care — and going for the tried and true: gobbling up smaller insurers. ” Some evidence suggests that larger insurers pay providers less. MORE
One company that’s making headway on that goal is CSAA Insurance Group (CSAA IG), one of the insurance companies affiliated with the 55 million-member American Automobile Association (AAA). It’s perfectly OK that most people – from call center employees to claims adjusters in the field – focus on continuous improvements to current business processes, the customer experience, and insurance products. MORE
It might seem, then, that private insurance can be of little help in addressing climate change. There’s concern that for-profit insurers won’t want to insure risky properties, and that individuals won’t have the wherewithal to buy insurance plans in the first place. It’s certainly true that private insurance is not enough, on its own, to mitigate and adapt to climate change. Nonetheless, private insurance has a significant role to play. MORE
Reader Submission corporate catering employee productivity health insurance healthy employees We''ve Moved! Update your Reader Now. This feed has moved to: [link] If you haven''t already done so, update your reader now with this changed subscription address to get your latest updates from us. link]. MORE
Leadership Development Organizational Health Professional Growth cyber insurance small business leadership small business protection web protectionA few years ago, a small business in San Diego was hit my malicious cyber attacks over the internet that were launched from local IP addresses. As they were protected as much as they felt they could be, they contacted the national carrier to deal with the denial-of-service component of the problem. Too Small to […]. MORE
The new health insurance market places—the exchanges set up under Obamacare—have become the hot health policy topic. Vital though near-term effectiveness is, the exchanges hold a longer-term potential—they can help reshape the organization, delivery, and financing of insurance. MORE
For our health, we have insurance policies, but what about for your leadership? What insurance do you have against the sudden loss of key leadership? I suggest some planning for your leadership insurance: 1. Short Term Leadership Insurance. Life Leadership Insurance. MORE
While Edward Lloyd is largely credited with commercializing the insurance industry, with the creation of his namesake firm, Lloyd’s, over 330 years ago, the original concept of spreading risk (or “mutualizing”) goes back even further. Both then and in 1686, when Lloyd’s was born in a London coffee house, the global insurance industry was a business of utmost good faith , as it remains today. The top 10 insurance brokers in the U.S. MORE
This is of course a worst case scenario but the purpose of insurance planning is to prevent the worst case scenario. To prevent harm to the business in the event of losing one of these employees insurance companies offer Key Man Insurance. These policies insure the company for the potential loss that would occur if the owner or employee died or was no longer able to work due to injury or sickness. The number of people choosing to work for themselves continues to rise. MORE
Brian Klapper is the President and Founding Partner of The Klapper Institute. He is an internationally recognized expert in operational and cultural corporate transformation. Brian has worked with global companies in a variety of sectors including: financial services, consumer products, manufacturing, food service, utilities, retail, and healthcare. While Brian’s experience spans all elements of the […]. MORE
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Insurance. We are purchasing this insurance as a safety net against something bad happening. The post The Insurance Every Leader Needs appeared first on Kevin Eikenberry on Leadership & Learning.
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Service companies and contractors usually mention that they are “bonded, licensed, and insured” when they advertise their services. As customers, it is important to know whether a company is bonded, licensed, or insured. What does it take to be bonded, licensed, or insured?
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Women On Business Sponsors business insurance We''ve Moved! Update your Reader Now. This feed has moved to: [link] If you haven''t already done so, update your reader now with this changed subscription address to get your latest updates from us. link].
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For our health, we have insurance policies, but what about for your leadership? What insurance do you have against the sudden loss of key leadership? I suggest some planning for your leadership insurance: 1. Short Term Leadership Insurance. Life Leadership Insurance.
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We''ve Moved! Update your Reader Now. This feed has moved to: [link] If you haven''t already done so, update your reader now with this changed subscription address to get your latest updates from us. link]. Reader Submission
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White says, "The SEC''s mission is tripartite: protect investors, facilitate capital formation, and insure the fairness and integrity of the marketplace.".
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She said I had confused "insure" with "ensure." Here is what Grammar Book says about assure vs. insure vs. ensure: Assure is to promise or say with confidence. Insure is to cover with an insurance policy.
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I’ve invited Erin Ardleigh, President of Dynama Insurance and one of the best professionals I know, to give you a few tips on successful communication in business: I say “insurance salesperson”…. Well, I have to admit, I’m an insurance salesperson.
Harvard Business Review
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There is little doubt that the widespread adoption of autonomous vehicles will have a huge impact on the automobile insurance industry. Since insuring privately owned vehicles is what the auto insurance industry has been all about, insurers have every reason to be concerned about their future growth and profitability. However, auto insurers have one factor weighing in their favor: The shift to fully autonomous vehicles will be gradual. Infrastructure insurance.
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benefits compensation health insurance healthcare healthcare reform HR policies legal issues documentation Tax reform2017 has been a whirlwind year, and, not to be outdone, the Trump administration has ended it with a bang by passing the tax reform bill.
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Complimentary Resources complimentary whitepaper evaluating health plans evaluating healthcare insurance healthcare insurance healthcare plans obamacare strategydriven UnitedHealthEvaluating Health Plans by UnitedHealth Group Factors to Consider When Evaluating Health Plans.
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Leadership Development Organizational Health Professional Growth cyber insurance small business leadership small business protection web protectionA few years ago, a small business in San Diego was hit my malicious cyber attacks over the internet that were launched from local IP addresses. As they were protected as much as they felt they could be, they contacted the national carrier to deal with the denial-of-service component of the problem. Too Small to […].
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This is of course a worst case scenario but the purpose of insurance planning is to prevent the worst case scenario. To prevent harm to the business in the event of losing one of these employees insurance companies offer Key Man Insurance. These policies insure the company for the potential loss that would occur if the owner or employee died or was no longer able to work due to injury or sickness. The number of people choosing to work for themselves continues to rise.
Harvard Business Review
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can now purchase private health insurance in 14 state-based marketplaces (SBMs), along with the federally facilitated marketplace (FFM). Let me start with a few basic facts about health insurance marketplaces: Subsidies for low- and moderate-income Americans.
Harvard Business Review
SEPTEMBER 24, 2015
Big insurers are taking a break from the new — figuring out how to pay for value, rather than volume, of care — and going for the tried and true: gobbling up smaller insurers. ” Some evidence suggests that larger insurers pay providers less.
Harvard Business Review
JULY 12, 2017
While Edward Lloyd is largely credited with commercializing the insurance industry, with the creation of his namesake firm, Lloyd’s, over 330 years ago, the original concept of spreading risk (or “mutualizing”) goes back even further. Both then and in 1686, when Lloyd’s was born in a London coffee house, the global insurance industry was a business of utmost good faith , as it remains today. The top 10 insurance brokers in the U.S.
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Reader Submission corporate catering employee productivity health insurance healthy employees We''ve Moved! Update your Reader Now. This feed has moved to: [link] If you haven''t already done so, update your reader now with this changed subscription address to get your latest updates from us. link].
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The behavioral biases play out in a simple paradox: People overconsume health care but underconsume prevention, and insurers or taxpayers are left with the bill. The same plays out with many lines of insurance, where the immediate benefits of poor choices outweigh the often hidden cost of dealing with their consequences, such as reckless driving or failing to flood-proof infrastructure in highly exposed communities. The result is a structural transformation of insurance.
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One company that’s making headway on that goal is CSAA Insurance Group (CSAA IG), one of the insurance companies affiliated with the 55 million-member American Automobile Association (AAA). It’s perfectly OK that most people – from call center employees to claims adjusters in the field – focus on continuous improvements to current business processes, the customer experience, and insurance products.
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This past Friday, I had the opportunity speak to the TN Association of Fraternal Insurance Counselors and share the podium with one of the legends. This past week, I had the honor to speak with a group of insurance agents comprising the Tennessee Fraternal Insurance Counselors. How old are you? Who cares! Anyone who has shared a stage with the likes of Zig Ziglar must be awesome. Mr. Garry Kinder, CEO of Kinder Brothers International , is just that guy.
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Consumers fumed over the rollout of Healthcare.gov and the state health insurance exchanges last fall. For consumers accustomed to easy shopping on Amazon or eBay, choosing a health insurance plan online was an exercise in frustration. That frustration highlights how important it is for insurers – not only health insurers, but also property and casualty and, increasingly, life insurers – to master digital. So what does digital excellence in insurance look like?
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October is National Cyber Security Awareness Month , and a new survey from small business insurer Travelers reveals that one in four women entrepreneurs are not completely confident about their level of protection against cyber threats. Furthermore 42% are not very confident that they have adequate insurance coverage to protect against other insurable risks.
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a venture-backed insurance startup, to provide some reassurance against unexpected events for riders who will be testing its upcoming autonomous shuttle service. The insurance coverage will include several protections for passengers for the duration of each trip including lost property, trip interruption benefits, and medical expense reimbursement. Based in San Francisco, all insurance in the US is delivered byTr?v v Insurance Solutions, LLC, a licensed insurance producer.
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tax law has made this task even harder with its elimination of the individual mandate for health insurance, a part of the Affordable Care Act that requires individuals to buy insurance or risk having to pay a tax penalty. We believe that a modified approach to HDHPs — one that uses value-based insurance design (V-BID) — can both bolster HDHP enrollment and encourage people not to skip essential care. Zelma Brezinska/EyeEm/Getty Images.
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It might seem, then, that private insurance can be of little help in addressing climate change. There’s concern that for-profit insurers won’t want to insure risky properties, and that individuals won’t have the wherewithal to buy insurance plans in the first place. It’s certainly true that private insurance is not enough, on its own, to mitigate and adapt to climate change. Nonetheless, private insurance has a significant role to play.
Harvard Business Review
JULY 4, 2014
The industries most susceptible to disruption are those selling information-based services that can be delivered digitally – and a perfect example is the insurance industry. We estimate that up to $400 billion in insurance premiums could change hands within the industry over the next year. And outsiders are responding, already experimenting with digital approaches to insurance. Of course, it takes more than market research and distribution to be an insurer.
Harvard Business Review
JULY 4, 2014
The industries most susceptible to disruption are those selling information-based services that can be delivered digitally – and a perfect example is the insurance industry. We estimate that up to $400 billion in insurance premiums could change hands within the industry over the next year. And outsiders are responding, already experimenting with digital approaches to insurance. Of course, it takes more than market research and distribution to be an insurer.
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Brian Klapper is the President and Founding Partner of The Klapper Institute. He is an internationally recognized expert in operational and cultural corporate transformation. Brian has worked with global companies in a variety of sectors including: financial services, consumer products, manufacturing, food service, utilities, retail, and healthcare. While Brian’s experience spans all elements of the […].
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MARCH 21, 2017
The question of whether the United States will have functioning markets where individuals can buy health care insurance lies at the heart of the current debate about repealing and replacing the Affordable Care Act (ACA). Since about 20 million Americans depend on these markets for insurance — and thus access to health care — their functioning is also essential to the future of the U.S. There is no great mystery about how to shore up private insurance markets.
First Friday Book Synopsis
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Bob's blog entries 3M Arne Gast Crowdsourcing your strategy may sound crazy Dutch insurer AEGON global IT services provider HCL Technologies Management Innovation eXchange (MIX) Michele Zanini Raul Lansink Red Hat (the leading provider of Linux software) Rite-Solutions The McKinsey Quarterly The social side of strategy Wikimedia
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While the details are still sketchy, it seems likely that the new bill will leave many lower-income Americans without access to health insurance. The provision of health insurance by organizations is a sensible business decision—especially for low-income individuals. Health Insurance Can Reduce Stress. Among other positive outcomes, health insurance significantly decreases the level of stress employees experience, as a study described in a recent working paper shows.
Harvard Business Review
OCTOBER 1, 2013
The new health insurance market places—the exchanges set up under Obamacare—have become the hot health policy topic. Vital though near-term effectiveness is, the exchanges hold a longer-term potential—they can help reshape the organization, delivery, and financing of insurance.
First Friday Book Synopsis
NOVEMBER 19, 2011
Hansen Progressive Insurance Southwest Airlines StrykerGreat by Choice: Uncertainty, Chaos, and Luck – Why Some Companies Thrive Despite Them All Jim Collins and Morten T. Hansen Harper Business/A HarperCollins Imprint (2011)Additional and even more valuable revelations about “the principles that distinguish great organizations from good ones” For as long as I can remember, Jim Collins has been a research-driven business [.].
First Friday Book Synopsis
OCTOBER 12, 2011
Hansen Progressive Insurance Southwest Airlines StrykerGreat by Choice: Uncertainty, Chaos, and Luck – Why Some Companies Thrive Despite Them All Jim Collins and Morten T. Hansen Harper Business/A HarperCollins Imprint (2011) Additional and even more valuable revelations about “the principles that distinguish great organizations from good ones” For as long as I can remember, Jim Collins has been a research-driven [.].
Harvard Business Review
OCTOBER 10, 2013
Many studies have concluded that consumers will be highly price sensitive when they shop on insurance exchanges. In response, insurers have created new products that keep prices down by aggressively limiting the doctors and hospitals where patients can go for care.
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