February Industry News 2019

February 15th, 2019

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FILCO Industry News

Executive Note

FILCO Brokers,
Healthcare is featured on every news outlet across the country and the debate is on with who has the best solution to America's rising healthcare costs. It seems every day that a new study was "just" completed which shows that "Medicare For All" is viable solution, only to be followed up the next day by a study that was "just" completed which shows "Medicare For All" would bankrupt America with the price tag in the trillions. While we are not able to see into the future to tell you exactly what will happen in the next election and years to come, we welcome this healthcare debate because it highlights the importance of professional brokers who understand healthcare is not simple and each client needs a customized solution.

BenefitMall Commissions Follow the steps below

Click on the
link to our announcement to take the important steps so that there is no disruption in your commissions. FILCO is in the process of migrating our commission information over to BenefitMall's system and it is very important that you take the few steps to become fully migrated so that there is no delays or issues with commissions.
1.Completed 
Agent/Agency Data Form – template form is attached, it is 
PDF fillable
2.  
Direct Deposit (this is 
mandatory for any compensation paid through BenefitMall) – template form is attached, it is 
PDF fillable
3.  
Completed W9 – template form is attached, it is 
PDF fillable
4. Copy of Active State Health & Life licenses for the states which you will be soliciting business in
5. Copy of E&O Insurance Certificate 1 million dollar minimum is required
Once everything is fully completed please send securely to Robyn Keefe at 
Robyn.Keefe@benefitmall.com

Carrier Updates

UnitedHealthcare:
Starting January 1, 2019 Labcorp will participate in UHC and Oxford members,
click here for more details.
Oscar:
There is still time to take advantage of Oscar NJ 1st Quarter bonus opportunity,
click here for more details
Emblem:
Owner only groups are no longer going to be accepted after July 1, 2019. Any groups already on the books will stay until renewal, at renewal will have the option to either add employees or find other coverage. Updated underwriting guidelines will be available shortly.
Healthpass:
Now available 2nd Quarter 2019 medical, ancillary & additional products
click here for rates.
Horizon BCBS of NJ
Click here to learn about the 1095-B form that Horizon is sending to members
to help comply with their responsibilities under the ACA.
Aetna:
Aetna has now made it even easier for your clients to keep track of their health benefits, encourage them to download the user friendly
Aetna app
.
Aetna NJ:
Please note
AFA 1095-B Tax forms are on the way

Finding Balance

Dental benefits that are both affordable and robust, are often what clients are looking for. A DHMO option maximizes discounts and allows unlimited maximums at an affordable cost. Coupled with a PPO, encompassing traditional benefits, creates the perfect balance.
A perfect solution to affordable, more comprehensive dental benefits!

PEO Update

Many clients want to start the New Year fresh to make changes at their company to save money! A PEO can be a perfect solution for them! If you aren’t talking to them about a PEO, someone else will!!
We can get a quote together for you with just a few documents. 
PEO Sales Manager Colleen Visconti is always available at 
732-704-5079 or cvisconti@filco.net to answer any questions and/or opportunities.

Medicare Update

Click here for everything you need to know about Medicare open enrollment.
Click here for the latest news issues from
Centers for Medicare and Medicaid services
.
Contact our Medicare Department and get certified!
Not interested in getting certified, we have a referral program, speak to a FILCO Senior Care Team member for more info.

Compliance Resources

TASC:

Click on the links for
informative
compliance resources, including a always needed check list.

"Success is the result of perfection, hard work, learning from failure, loyalty and persistence."
Colin Powell

Our FILCO team is constantly posting great industry reads via our social media outlets, stay informed on our industry follow us on social media!

Thank you for your support!




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New York, NY 10017
Phone: 212-972-1970

New Jersey
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Red Bank, NJ 07701
Phone: 732-219-6545