The Zemar Podcast

Spoiled Little Rich Kid | Provider and Insurance Company Dominate

What does a spoiled little rich kid do?
Expect someone else to pay the bill. Damage that brand-new car? They replace it. Need money for a trip or to buy a new toy, they just give it. 
With health insurance, many Americans are "spoiled little rich kids" as well. 
They become demanding, thinking everything should be covered, just as the spoiled kid would do. 
What is health insurance?
What is NOT health insurance?
How was Health Insurance Created?
We are moving towards a provider and insurance company dominate world.
But how?
Listen to this episode to find out why!
For more information, please contact us at EliteBenefits.net 708-535-3006
 

Avoid The Purple Unicorn | Leverage Your Medical Claims

Medical claims can be nerve-racking. It’s like a fencing fight with the Purple Unicorn 🦄 of the universe. 
We share more case studies* on claims and how they were resolved. Insight from these will help you save thousands of dollars at claim time. Don’t be left out of this one!
We discussed a class action lawsuit against a national carrier you might want to know about. 
Ask questions to know more about your claims!
*A couple of the case studies were from a publication by Marshall Allen. I don’t take credit for them. Please see Marshall Allen’s publications. 
For more information, please contact us at EliteBenefits.net 708-535-3006
 

Endless Battle to Control Costs | View Things From a Different Angle

Once again, the eye in the sky doesn't lie. When we get caught up in our work, we eventually feel trapped. When reviewing your benefits plan for your company every year, it feels like there is no end in sight. You are forced to take the higher costs no matter what. 
Sometimes you have to look at things through a different lens; a different angle. 
Most employers feel their plan designs are limited by their own budget (Employee Benefit News). This is a result of passing more out-of-pocket costs to the employees. 
According to the Kaiser Family Foundation, forty-one percent of employees carry medical debt. 
It's like a double edge sword. 
We talk about a case study about changing current plan designs with a purpose that can bring overall savings. The money is real. Listen in!
For more information, please contact us at EliteBenefits.net 708-535-3006
 

PBMs With Core Values | Interview with Ali Goodwin at TrueScripts Management Services

Transparency is not just a buzzword. You have to back it with integrity. 
What is a PBM - Pharmacy Benefit Manager?
How do you control your costs?
Avoiding the conflict of interests with PBMs. 
PBM Trends
For more information on TrueScripts, you can visit TrueScripts.com, or contact your Insurance Advisor. You can also reach out to Ali Goodwin on LinkedIn. 
For more information, please contact us at EliteBenefits.net 708-535-3006
 

Get Your Mid-Year Review Now! Save Thousands of Dollars and Become HR Compliant

What's the rush, right? The rush is 30 days before your health plan renewal, and you are trying to get the open enrollment off the ground in a panic. This is why having a mid-year review is so important. 
In this podcast, we review some of the things you should be discussing and reviewing for your mid-year review. These things will save you money and make processing your open enrollments and new hires and terminations easier. HR compliance is becoming a more significant issue for employers, and fines are coming. Get ahead now with this review!
For more information, please contact us at EliteBenefits.net 708-535-3006

Going Against the Grain | $60,000 In Savings Case Study

No one ever goes from start to finish overnight. When we train to run, we never start with the finishing run. The same goes for business. We have to go against the grain and make progress to get there. Bailing isn’t an option. You have to stay the course to better passages. Some stay the course they are on and end up bankrupt. Listen in for this $60,000 in savings case study. 
 
For more information, please contact us at EliteBenefits.net 708-535-3006

Put Some Skin In The Game | Learn The System and Know When to Outsource

Some employers toss their hands up regarding certain things in business, some more so than others. There has to be some skin in the game to understand what's going on to operate a business.
There comes a time when you need to outsource things, but it does not take away from learning how it works. 
You have to learn the code; learn how it works. It's not rocket science, but it takes some effort.
It's the basic need to understand what is going on around you. 
In this episode, learning how to move around a Navy ship is no different than learning how to do things in business. Then when is it time to outsource to gain access to the expertise you don't have? Essentially buying the knowledge so you can operate your business better. Move your business to the next level, don't give up.
 For more information, please contact us at EliteBenefits.net 708-535-3006

Consistency is Key To Produce Results | 50 mile training run | Scuba Expeditions

Consistency. It’s everything to produce results you desire. It doesn’t matter if it’s a scuba expedition, training for a 50 mile ultra run, or in the workplace. Consistency is the most important thing to get you from point “A” to point “B”. 


In this episode I share what happens when things are not consistent. Inconsistent long runs. Inconsistent scuba training. Inconsistent HR administration. All of them can cost you something. Listen in so you can be a better HR manager or employer to minimize risk of having issues with the Department of Labor.
 
For more information, please contact us at EliteBenefits.net 708-535-3006

It Takes A Village To Help Employees In The Workplace | Executives Need To Change Priorities to Lead

This episode is Part 2 of the Interview with David Greenwalt. David takes us to the workplace and how it takes a Village to make a wellness program work. Do not replace what you have, but enhance it for better outcomes. These strategies will produce better results for the employees, making them more productive for the company. 
Executives want to lead their people. They cannot lead to the best of their ability without changing their priorities. Nutrition and exercise does not have to be number 1, but at least number 3, and you will achieve great results for yourself and the people around you. Your success will help your employees do more for themselves and the company. 
Lose the weight one more time, for the last time. 
Please visit David Greenwalt on LinkedIn, or visit LLUniversity.com for more information. 
If you are looking to enhance the wellness program at work, please visit Lifestyleatwork.com.
 
For more information, please contact us at EliteBenefits.net 708-535-3006

Go Beyond Nutrition and Exercise | Part 1 Interview with David Greenwalt

We live in a world of constant demands. Where do we get our "why power" to make better decisions? Many of us overconsume ultra-processed foods to the point that it becomes addictive without even knowing. The new normal in America is soon to be obesity. Do you want to be "Normal"? 
David walks us through how we got to the dilemma we have had with nutrition and exercise over the years. With nearly 43% of the US being obese, how do we make the right changes for the last time?
This episode discusses foods, your "why power," intermittent fasting, and protein!  The conversation was so good that we had to make two parts out of the interview!
Visit David Greenwalt on Linkedin,  or visit LLUniversity.com for more information. 
For more information, please contact us at EliteBenefits.net 708-535-3006