The Zemar Podcast

What is Your Military Grade | Merging Markets to Lower Health Insurance Premiums

Expense is going to be a hot topic in 2023. Healthcare costs aren't going down, and premiums are reflecting. Perception is everything at the same time. Military Grade is different for different people. So is healthcare and the costs associated with it.  Find out in this podcast - if it costs more, do you receive better outcomes at the healthcare providers? Overbilling is real. Find out what would happen by merging markets. 
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net 

Open Enrollment Meetings In The Snow | Elite Benefits Playbook

Try having your open enrollment meeting in the snow! New experience for everyone. Do not wait until the last min for open enrollment meetings. Try a strategy to move it back 30 days than normal. This will cause you to stretch a little, it’s something new. Everyone can go into the holidays knowing that they are still not in the open enrollment. 
Create a process to get the renewal and open enrollment meeting done early
Enhance the benefits you currently have in 2023 - even outside of the open enrollment
Leverage benefit administration systems so you can save money and time (a lot more than you think!)
Elite Benefits Formula is a process to create the ultimate employee benefits playbook. This benefit playbook will help your company get ahead of the trend. 2023 is your year, so get your playbook today! EliteBenefits.net/Playbook
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Follow These Trends Or Be Left Out | Do Not Chase The Shiny Object

Corey Clark shares a glimpse of his playbook for small and medium sized companies. These companies tend to follow the next shiny object and then give up. We leverage traditional and digital marketing at the same time. Listen in to find out why content is still big with 2023 trends.
 
Reach out to Corey at CoreyClark.co or corey@coreyclark.co 
 
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Your Benefits Strategy Sucks and Employees Leave | Studies That Will Blow Your Mind

Butch starts with a chipped bone story and getting access to care.  Some questions change the direction of care.
Case Studies from SHRM, Transparency Health Benefits, and the CDC. 
Get out of the rat race with employee benefits with this to-do list!
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Fifty-Percent Wasted Heathcare Administration Costs | Healthcare Funding

According to a recent report by Health Affairs, fifteen to thirty percent of healthcare spending is administrative. Fifty percent of that cost was deemed wasted spending.
 
At some point we need to control spending. The Affordable Care Act created a financial incentive to spend more on healthcare due to the insurance companies profiting more as a result. Driving our premiums up in the meantime!
 
How do we fund healthcare? 
How does it get spent?
 
Find out on this episode!
 
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
 

Lets Go Scuba Diving | Believe in Change with New Environments | New Processes and Better Outcomes

When something is new, it's all about baby steps. In the military, a term was called the "Pucker Factor". It is slang for the level of stress and adrenaline in response to a crisis, change, or danger. Many times in business, we experience this pucker factor far too often. When trying scuba, it is there from the word 'Go!'. 
In this episode, Butch walks us through what it's like to try scuba diving. It's a process, not an event. You jump in when we do resort courses, and it goes really fast. Anxiety is high, to begin with, and now you are being rushed. Listen in as he takes you through the process of trying scuba at your own speed. 
The same thing with your benefits program. You have to be ready for change, or you will fight it and continue to keep doing what you are doing with no results. Believe there is a better way. And there is. 
There is a process to getting better results. Butch walks us through the process of a better benefits program. But first, you must believe there is a better way than what you currently do. 
Listen in!
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
 

Obey the Rule of Thirds | Changes That Make Life Better | History of Scuba Diving

Butch starts out with a little history of diving. Scuba has a history like no other. As time passed, changes made it better for everyone in all aspects of the sport. The underwater world is the safest it has been since the origin of scuba diving. 
The business of benefits consulting has its own set of changes, some for the better and, unfortunately, some for the worse. The Affordable Care Act drastically altered how most benefits brokers did business. 
Change is happening right now in the business of benefits consulting. A divide we haven't seen. It will be hard for most and easy for some. 
Listen in as Butch describes the business model slowly developing in our industry. Some will say - this change has been going on, and many are doing it now. Butch takes it further in this Podcast, saying they are not going far enough. It will leave some uncomfortable both for the insurance agent and the employer. 
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
 

New Routines | Save Money | The Zemar Podcast

We are natures of habits. We do the same thing over and over again. The industry taught you how to shop benefits. You have to establish new routines to save money and achieve better results.
Start the renewal / open enrollment process early 
Embrace technology 
Automate enrollments and terminations
Get data from tools to get better outcomes
Case Study from Marshall Allen
Get your Checklist
Whats your benefits score?
Payroll Company’s can be guilty for being hypocritical 
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net

Benefits Compliance Overview | Navy Aviation Compliance | Open Enrollments

The Navy Aviation world has taught Butch Zemar a thing or two about compliance. He walks us through a process the Aviation world goes through to remain compliant. With open enrollments here, stay on top of the benefits compliance to avoid any compliance or violations.
 
Some of the items discussed in this episode:
Better outcomes
DOL Case Study
Open Enrollment and New Hire Disclosures
Pre-tax document requirement 
ERISA Wrap Doc
5500 Reporting
and much more…
This podcast is used as informational purposes only. Some of the things mentioned in this podcast could be dated or incorrect based on your situation or said in error. Please reach out to Elite Benefits or seek benefits consult for advice. 
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net 

Traditional Vs Digital Marketing with Chris Spanier | The Zemar Podcast

Chris Spanier walks us through how traditional marketing still exists with digital marketing. The business models for marketing are very different today, and knowing how to do both will work to your advantage. In this episode we learn:
Traditional vs. Digital Marketing
Value in Fractional CMOs
Case studies
Jump out of an airplane to get over the fear of heights
The story of Lord Chris
For more information on Chris and the Carpe Diem Consulting Group, Visit Carpediemconsultinggroup.com or email Chris at chris@carpediemcg.com
 
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net