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Aca healthcare options for 2013 public by michael chapman 073113 slideshare
1.
What You Need
to Know NOW & How to prepare for 2014 ā¢ What You Need to Know ā¢ What You Need to Decide ā¢ When You Need to Act ā¢ Plus, How It Affects You, Your Job, and Your Employer What? When? Healthcare Options for 2013 And how to prepare for 2014 Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
2.
Disclaimer: ā¢ The information
presented is subject to change, and will likely change in the future. ā¢ Subscribe to TheMedicalInsuranceExchange.com newsletter or contact us for latestupdates. ā¢ The information presented should not to be construed as offering legal or tax advice; consult with a lawyer or tax professional. ā¢ Some state variations may occur, the information presented is based on the laws of Texas. What? When? Healthcare Options for 2013 Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
3.
My Qualifications: ā¢ Former
CEO ā¢ Since 2003, Frequent Public Speaker on Healthcare and Insurance. ā¢ Employee Benefits Broker for Companies and Individuals. ā¢ Published Author, Blogger. ā¢ Helpful, pro bono resource to thousands of individuals and companies in DFW with benefits-related questions and concerns. ā¢ Mike Chapman, mtchapman@endeavorgroup.net ā¢ Linkedin.com/in/michaelchapman (14,000+) ā¢ 214-764-6315 tel, 214-732-3691 cell Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2013
4.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com My Dilemma Healthcare Options for 2013
5.
Door # 2: ā¢
Plunge head first towards opportunities created from PPACA ā¢ Mike Chapman, mtchapman@endeavorgroup.net ā¢ Linkedin.com/in/michaelchapman ā¢ 214-764-6315 tel., 214-732-3691 cell Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2013
6.
Healthcare Options for
2013 Best Healthcare Advice for Anyone: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
7.
Healthcare Options for
2013 Best Healthcare Advice for Anyone: ā¢ Stay Healthy ā¢ Donāt Get Injured Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
8.
Healthcare Options for
2013 2nd-Best Healthcare Advice for Anyone: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
9.
Healthcare Options for
2013 2nd-Best Healthcare Advice for Anyone: ā¢ Die Quickly ā¢ Die In Your Sleep! ā¢ Over 80% of lifetime healthcare expenses occur in last 18 months of life. ā¢ Medical is Leading Cause of Bankruptcies Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
10.
Healthcare Options for
2013 We Donāt Get to Choose If, When, or How We Get Sick, Injured orĀ© 2013 Michael Chapman, GroupBenefitsAdvisors.com
11.
Healthcare Options for
2013 The Choices We Make Determines How Much We Have to Spend If and When We Get Sick, Injured or Die Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
12.
Healthcare Options for
2013 A Healthy, āHazard-Free āLifestyle Reduces How Much Weāll Eventually Pay When We Get Sick, Injured and Die, and Increases the Length and Quality of Life Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
13.
Healthcare Options for
2013 Insurance pools the $$ Risk of Sickness Accident, and Death Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
14.
Healthcare Options for
2013 Healthcare is Expensive ā¢ 30-35% of US GDP ā¢ For many families, #1 or 2 budget item. ā¢ For many Businesses, #2 Overhead item after salaries ā¢ High, uncontrollable inflation. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
15.
Healthcare Options for
2013 Pre-2014 Options: ā¢ COBRA ā¢ Private Insurance ā¢ āRisk Poolā ā¢ VA/Tricare (Veterans/Active Duty) ā¢ Medicare (65+) ā¢ Medicaid/CHIP (Children) ā¢ Self-Insure Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
16.
Healthcare Options for
2013 Pre-2014 Options: ā¢ COBRA/State Continuation ā¢ Same plan, same $ as employer ā¢ 18 months/6 months ā¢ No exclusion of health conditions ā¢ Must elect within 60 days Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
17.
Healthcare Options for
2013 Pre-2014 Options: ā¢ Private Insurance ā¢ Can exclude conditions, increase rates based on health conditions during underwriting. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
18.
Healthcare Options for
2013 Underwriting: ā¢ Evaluation of Risk of claims ā¢ Conditions ā¢ Age ā¢ Gender ā¢ Residence Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
19.
Healthcare Options for
2013 Pre-2014 Options: ā¢ Group Insurance ā¢ Guaranteed Issue ā¢ Same cost for every employee ā¢ Individual Insurance ā¢ Individually Underwritten Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
20.
Healthcare Options for
2013 Pre-2014 Options: ā¢ Individual Insurance ā¢ Individually Underwritten ā¢ Insuring a healthy, younger, male with no health conditions is less risk of a claim, so they will pay less for insurance. ā¢ Can reduce cost vs. COBRA by up to 60% Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
21.
Healthcare Options for
2013 Pre-2014 Options: ā¢ Individual Insurance ā¢ Short term plans ā¢ 0-6 months of coverage. ā¢ Easy, short application. ā¢ āPermanentā plans ā¢ Stay in force as long as you pay premium. ā¢ Lengthy application/underwriting. ā¢ Short term and permanent are both major medical plans. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
22.
Healthcare Options for
2013 Pre-2014 Options: ā¢ āRisk Poolā ā¢ Option after COBRA and if either spouse is not eligible for group plan. ā¢ Covers individuals who are ineligible or excluded individual insurance because of health condition. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
23.
Healthcare Options for
2013 Pre-2014 Options: ā¢ Medicare ā¢ Guaranteed issue coverage at age 65, can apply at 64 Ā½ ā¢ A+B+D plus medicare supplement or Medicare Advantage (HMO) plan in some areas. ā¢ Limitation of healthcare providers who accept. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
24.
Healthcare Options for
2013 Pre-2014 Options: ā¢ Medicaid/CHIP (Children) ā¢ Children 0-18 ā¢ Income/Asset qualify ā¢ Waiting list ā¢ HMO ā¢ Affordable Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
25.
Healthcare Options for
2013 Pre-2014 Options: ā¢ Self-Insure ā¢ You assume risk of sickness/injury ā¢ Includes public health programs such as Parkland and John Peter Smith in DFW Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
26.
Whether you yet
know it or notā¦ ā¦ACA Impacts EVERYTHING ā¢ Every American faces healthcare decisions Beginning 10/1/2013 for 2014. ā¢ Every Business faces similar decisions in 2014 What? What? When? Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
27.
When Must I
Make A Decision? ā¢ Huge Advertising Campaign. ā¢ Exchanges Open October 1, 2013 ā¢ ACA Coverage Begins January 1. ā¢ Best Time To Make A Decision is NOW! Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com What? When ? Healthcare Options for 2014
28.
The Obamacare Clock Is
Ticking.. ā¦The Sooner You Know WHAT to Do ā¦The Longer Youāll Have to Adjust! Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
29.
Change = Opportunities Ā© 2013
Michael Chapman, GroupBenefitsAdvisors.com Use Knowledge of Obamacare as Your Secret Advantage. Healthcare Options for 2014
30.
Brief Overview of
What it Is ā¢ Coverage Differences ā¢ How You Buy It ā¢ What It Costs You ā¢ Consequences to You and Employer Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com What? When ? Healthcare Options for 2014
31.
Your Health Plan
will be Different Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com 2013 2014 Healthcare Options for 2014
32.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com 98% of Todayās Health Plans Will Be Replaced Just Kidding! Healthcare Options for 2014
33.
Some of the
Big Plan Differences: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Different Deductibles ā ā¢ Max $2,000 Deductible. ā¢ $3,500 Max Out of Pocket. ā¢ āGuaranteed Issue,ā Regardless of Your Health. ā¢ More Coverage, Examples: ā¢ Maternity Coverage, Dental Checkups to Age 6 Healthcare Options for 2014
34.
More Big Plan
Differences: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Guaranteed issue, No āRate Upsā for Risk or Conditions ā¢ Except May Charge 50% More for Smoking ā¢ May Offer Discount for Wellness Plan Participation ā¢ 3 vs. 6 Age Bands ā¢ Community Rating. Healthcare Options for 2014
35.
Buzz Word: Essential
Benefits Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Ambulatory patient services ā¢ Emergency services ā¢ Hospitalization ā¢ Maternity and newborn care ā¢ Mental health and substance use disorder services, including behavioral health treatment ā¢ Prescription drugs Healthcare Options for 2014
36.
Essential Benefits, continued: Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Rehabilitative and habilitative services and devices ā¢ Laboratory services ā¢ Preventive and wellness services; chronic disease management ā¢ Pediatric services, including oral and vision care Healthcare Options for 2014
37.
Essential Benefits, continued: Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Items or services that have an āAā or āBā rating ā¢ Immunizations for routine use in children, adolescents, & adults ā¢ Evidenceāinformed preventive care and screenings ā¢ No cost sharing for preventive care services (inānetwork) Healthcare Options for 2014
38.
Buzz Word: Actuarial
Value Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Bronze plans = 60% of minimum of cost of healthcare ā¢ Silver plans = 70% of minimum of cost of healthcare ā¢ Gold plans = 80% of minimum of cost of healthcare ā¢ Platinum plans = 90% of minimum of cost of healthcare Healthcare Options for 2014
39.
Your Premiums Will
Be Different: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com 2013: $$$ 2014: ??? Healthcare Options for 2014
40.
Anybody Want to Guess
the Biggest Factor Whether Youāll Pay More or Less? Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
41.
How Much You
Earn! Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
42.
Eligibility for Government
Subsidy Family of 4 Income Level Percent of Poverty Level Individual Can Get Coverage In: Government Subsidies Above $88,200 Above 400% Federal or State Health Ins Exchange No $88,200 400% Federal or State Health Ins Exchange Yes $29,327 $22,050 $0 133% 100% 0% Medicaid Yes Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
43.
1. How Do
Find Out if I Qualify for a Subsidy for Obamacare? Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com 2. Am I Sure I Really Want a Subsidy? 3. Whatās The Penalty If Uninsured? Healthcare Options for 2014
44.
Tax Credit or
Subsidy ā¢ Subsidies Only Available through Public and Private Exchanges. ā¢ Employee+ Dependents NOT ELIGIBLE for a Subsidy If: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ The employer offers at least the actuarial equivalent of the Bronze Plan (60%) ā¢ The employee cost share is not more than 9.5% of their annual income (Wā2 Employee) (AGI) Healthcare Options for 2014
45.
Tax Credit or
Subsidy ā¢ If employer offers health insurance for employees, employee cannot apply for subsidy for themselves or for their dependents. ā¢ This means employee must purchase high cost, unsubsidized insurance for dependents or pay a tax penalty if they are uninsured. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
46.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com Subsidy Calculator: Healthcare Options for 2014
47.
Go to: http://TheMedicalInsuranceExchange.com/ obamacare-subsidy-calculator/ or http://goo.gl/LbldeU For
Subsidy Estimates Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
48.
Go to: http://themedicalinsuranceexchange.com/apply- here-for-obamacare-subsidy-and-health-insurance/ or http://goo.gl/7QAx5y For
Final Draft Copy of ACA Paper Applications Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
49.
If your Adjusted
Gross Income ends up exceeding your estimate, the IRS will assess and take back your subsidy. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com The IRS Giveth and Taketh Away: Examples: ā¢ Job Seekers ā¢ Y.E. Bonus ā¢ Unexpected Income Healthcare Options for 2014
50.
Where Youāll Buy: Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com Employer Exchange ā¢ Employer ā¢ Federal or State Exchanges (Federal Only in TX) ā¢ Private Exchanges ā¢ 2015: SHOP for small biz (< 25) Healthcare Options for 2014
51.
Public Insurance Exchanges: Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ State Run (23 states + DC) ā¢ Federal Exchange (26 states, including Texas) Healthcare Options for 2014
52.
āPre-2014ā Health Insurance
Transaction When? Healthcare Costs Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com You and/or Your Employer Insurance Company Insurance Policy $$, Health Information Healthcare Options for 2014
53.
2014 Exchange Transaction What? Healthcare
Costs Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com You and/or Your Employer Insurance Company Healthcare Options for 2014
54.
2014 Exchange Transaction What? Healthcare
Costs Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com You and/or Your Employer Insurance Company Healthcare Options for 2014
55.
2014 Exchange Transaction What? Healthcare
Costs Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com You and/or Your Employer Insurance Company $$ Premium Payment Health Insurance Policy Healthcare Options for 2014
56.
Where: Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com Marketplace.CMS.Gov Healthcare Options for 2014
57.
Downside of Public
Exchanges: ā¢ Self-serve, with little to no support ā¢ Expect LONGGGGGG Wait Times, ā¢ WRONGGGGG Answers. Healthcare Options for 2014 Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
58.
Downside of Public
Exchanges: ā¢ Inexperienced, minimally trained āNavigatorsā and āAssistorsā ā¢ Navigator grant money awarded to organizations favoring Administration Healthcare Options for 2014 Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
59.
Downside of āPublic
Exchangesā ā¢ Do you really want to share your personal health & tax information? Healthcare Options for 2014 Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
60.
Downside of āPublic
Exchangesā ā¢ No support or assistance after purchase. Healthcare Options for 2014 Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
61.
What is a
āPrivate Exchangeā?ā¢ Multiple carrier venue for insurance policies ā¢ Not just health insurance ā¢ Run by Experienced, Trained, Licensed Agents Healthcare Options for 2014 Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com
62.
Example of Private Exchange: Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com TheMedicalInsuranceExchange.com Healthcare Options for 2014
63.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com ā¢ Out of pocket max greater than $3,500. ā¢ You donāt have guaranteed issue or maternity coverage now. ā¢ Youāre younger than age 35 (approx.) ā¢ You live in an area with high healthcare utilization. ā¢ Your employer decreases contribution or drops group plan. You May Pay More in Premiums If in 2013: Healthcare Options for 2014
64.
You May Pay
Less in Premiums If in 2013: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Out of pocket max now less than $3,500. ā¢ You have guaranteed issue coverage (Risk Pool). ā¢ Youāre older than age 50 (approx.) ā¢ You live in an area with low healthcare utilization. ā¢ Your employer maintains/increases health plan contribution or improves health plan. Healthcare Options for 2014
65.
ā¢ 2014: $95
per Adult, $47.50 per Child up to $285 per family or 1% of income. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Individual Tax Penalty If Uninsured: ā¢ 2015: $325 per Adult, $162.50 per Child up to $975 per family or 2% of income. ā¢ 2016: $695 per Adult, $347.50 per Child up to $2085 per family or 2.5% of income. Healthcare Options for 2014
66.
Your Choices: Ā© 2013
Michael Chapman, GroupBenefitsAdvisors.com COBRA Private/Public Exchange Insurance Short-term plan + Tax Penalty Healthcare Options for 2014
67.
Whatever You Choose,
Youāll Pay More: Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Taxes Goods & Services New Federal Tax on Insurer Premiums, 3.8% Tax on Unearned Income, dividend taxes. Healthcare Options for 2014
68.
Impact On Seniors: Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Harder to find doctors who accept Medicare (25% pay cut) ā¢ Gradual Closing of Donut Hole ā¢ Reduction In Medicare Budget ā¢ Likely: Medicare Premiums Based on Assets and Income Healthcare Options for 2014
69.
Employer Impact Ā© 2013
Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
70.
Employer Penalties (delayed): Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ $2,000 per Employee over 30 FTEs if Group Ins. or if no Essential Benefits ā¢ $3,000 per Employee that does not enroll in Employerās plan because it costs employee more than 9.5% of income or plan does not meet Bronze level. Healthcare Options for 2014
71.
Certain Industry Sectors
Will Get Hammered: ā¢ Staffing ā¢ Seasonal ā¢ Hospitality ā¢ Retail Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
72.
Employer Impact Ā© 2013
Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014 ā¢ Increased cost, taxes and regulations/red tape for all businesses. ā¢ Employer tax penalties delayed until 2015 (50+ full time employees) ā¢ Uncertainty impacting permanent, full-time employment.
73.
Employer Impact Ā© 2013
Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014 ā¢ Increase in part-time employment. ā¢ Fewer employers will offer health insurance as an employee benefit. ā¢ Fewer employees will want an employer to offer health insurance so they can qualify for a subsidy for their whole family.
74.
In Many Cases,
It Benefits Employer to Drop Group Health Ins. Coverage Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014 ā¢ Cost of Tax Penalty for 50+ Employees Is Less than Health Insurance and is a Fixed Cost.
75.
In Many Cases,
It Benefits Employee for Employer to Drop Group Health Ins. Coverage Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014 ā¢ Subsidized Cost of Health Insurance for Employee + Dependents May Be Less for Employee than Employee Cost of Health Insurance for Employee Only
76.
In Many Cases,
It Benefits Employee for Employer to Drop Group Health Ins. Coverage Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014 ā¢ For Lower Wage Employees, Its Like Getting Dependentsā Insurance for FREE!
77.
At This Point,
Which Are You? Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Dazed & Confused Bored Zombie Healthcare Options for 2014
78.
My Unique Solutions: Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Education, Expertise, Year-Round Service. ā¢ TheMedicalInsuranceExchange.com, a Private Health Insurance Exchange ā¢ Employer consultation ā¢ Partially Self-Funded Plans for employers Healthcare Options for 2014
79.
The Obamacare Clock Is
Ticking.. ā¢ Advertising for Fed. Exchanges Has Begun ā¢ Open Enrollment begins October, go to TheMedicalInsuranceExchange.com ā¢ You need to educate others what to do. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
80.
Decision-making Is Like Constipation Ā©
2013 Michael Chapman, GroupBenefitsAdvisors.com Taxes, Penalties, Higher Expenses, STRESS, Etc. ā¦The Longer You Wait, the Worse It Gets Healthcare Options for 2014
81.
How I Help
Employers ā¢ Consulting expertise ā¢ Rapid assessment of options & impact ā¢ Educate top management ā¢ Develop plan of action ā¢ Employee education is critical for success. Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com Healthcare Options for 2014
82.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com ACA Open Enrollment Preparation: āBlack Tuesdayā: October 1st, 61 Days Away ā¢ Schedule an appointment now for beginning October 1st. ā¢ Write down your Family SS #s, Dates of Birth. ā¢ If Insured, Make Copy of Your Insurance Card and Bill. ā¢ Go to http://TheMedicalInsuranceExchange.com/obamacare- subsidy-calculator or http://goo.gl/LbldeU; Print out an estimate of your subsidy. Healthcare Options for 2014
83.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com ACA Open Enrollment Preparation: ā¢ Subscribe to http://www.TheMedicalInsuranceExchange.com for updates and information as it becomes available. ā¢ Find a good PCP ASAP! Healthcare Options for 2014
84.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com If Youāre An Employer or Work for One: ā¢ Whether or not your employer offers health ins., An Employer Has An Obligation and Opportunity to Communicate ACA to Employees. ā¢ Schedule Me for an Employee Group Meeting ā¢ Schedule Me to Visit with Owner/CFO/CEO Healthcare Options for 2014
85.
How You Can
Help Me ā¢ Refer me to companies that need advice. ā¢ What Business Leadership Groups Could Use a Subject Matter Expert Speaker? ā¢ Bookmark/Share: TheMedicalInsuranceExchange.com Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com How You Can Help Yourself & Your Company ā¢ Share This Information ASAP ā¢ ACT on This Information ASAP Healthcare Options for 2014
86.
Ā© 2013 Michael
Chapman, GroupBenefitsAdvisors.com Remember: Use Your New Knowledge of Obamacare as Your Healthcare Advantage. (Know enough to raise the questions, then, āI know a guyā¦ā Healthcare Options for 2014
87.
Please Comment/Forward Share/Like: ā¢ http://TheMedicalInsuranceExchange.com ā¢
Facebook: ā¢ YouTube Channel: ObamacareInformation ā¢ LinkedIn.com/in/michaelchapman Ā© 2013 Michael Chapman, GroupBenefitsAdvisors.com ā¢ Subscribe, Sign Up for Updates, Upcoming Presentation Schedule and Webinars! Healthcare Options for 2014
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