Denise Sowersby

Looking to understand executive medical reimbursement plans? Today's landscape raises common questions about their viability. Let's break it down. - Fully insured, supplemental, and classified as excepted benefits, these plans fill true gaps in coverage by reimbursing based on actual out-of-pocket expenses incurred. - While some options have dwindled, viable choices still exist, ensuring compliance and mitigating risks associated with self-insured plans. - Excepted benefits, exempt from ACA nondiscrimination rules, provide flexibility in recruitment strategies, offering true gap-filling coverage for health expenses. Are executive medical reimbursement plans still allowed? Absolutely! When structured correctly, they comply with today's standards, tailored to offer coverage to your most important employees. Contact me to learn more.

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Reinvent Your World: Become a Life and Health Insurance Agent in Texas Gloria Rivera BSN MPHE Life is a journey marked by countless opportunities and possibilities. For many, finding their passion and achieving their dreams is the ultimate goal. In the professional realm, becoming a Life and Health Insurance Agent in Texas stands out as a path that not only offers professional fulfillment but also allows you to reinvent your world. The beauty of life lies in its infinite potential. As a Life and Health Insurance Agent in Texas, you can help people protect their futures, providing them with peace of mind and security. This profession offers a deep sense of purpose, knowing that your work has a significant impact on the lives of others. But beyond that, it opens doors to numerous possibilities—from financial stability to personal growth. Embarking on this career requires a firm commitment. It’s not just about selling policies; it’s about understanding your clients’ needs and building lasting relationships. This commitment extends to continuous learning and adapting to industry changes. Before taking concrete steps, it's essential to visualize your perfect world. What does success mean to you? How do you see yourself contributing to the well-being of others? Imagining this ideal scenario can fuel your ambition and guide your actions. As you picture yourself thriving in the insurance industry, let this vision inspire and motivate you. The journey to becoming a Life and Health Insurance Agent in Texas begins with that crucial first step. This may involve enrolling in certification courses, attending industry seminars, or shadowing experienced agents. Every small step brings you closer to your goal. Remember, all experts were once beginners. Ultimately, achieving your dream depends on your faith in yourself and your determination to succeed.

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Happy Father's Day Weekend to all you awesome dads out there!!⛳🍔🏎 Check out this article from Blue Cross Blue Shield of Texas on the signs of a silent heart attack. "Silent heart attacks, known as a silent myocardial infarction (SMI), account for 45 percent of heart attacks. And they are more likely to strike men than women. These heart attacks are mistaken for less serious problems, increasing your risk of dying." Read it, share with your loved ones, and stay on top of your health with an annual Preventive Care check-up. #employeebenefits #hr #lonestarbenefits

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What this means for employers and health plan sponsors… TLDR and taking action 👇 The big takeaway: it is prohibited for providers, networks, or other service providers that prevent the disclosure of certain information about cost, quality of care, or other related details. 🚀How to take action: 1. Get access to your data 2. Measure and analyze your employee/patient population to access opportunities and risks for optimal health outcomes at the most affordable prices 3. Leverage resources such as Gallagher to tap into proprietary data analytics to evaluate if you are a good fit to consider self-funding opportunities 4. Be a steward of health spend to optimize a HEALTHIER, more PRODUCTIVE workforce at more affordable prices 🤝Need help or want to learn more about how to get started and take action? Reach out directly or comment below!👇 https://lnkd.in/evRV7UVa

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️Devastating storms passed through #Houston this week, leaving behind widespread damage and over a million residents without power. Get immediate access to direct claims information in the link below.   Gallagher is ready to help ️➡ https://lnkd.in/gnu5KC92   #TXwx #Insurance #RiskManagement #Claims

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Houston H&B leaders (employers), message me if you’d like to join us. Two spots left. Hear from 👇🏻 •Michael Williams, CEBS on the state of the market • Maggie Stroud of Kelsey-Seybold Clinic on what strategies your peers are exploring and implementing around quality-centric medical networks. The good, the bad, the ugly. •I’ll share how member engagement, education, incentives and embedded plan design lower member and plan cost while improving health outcomes…and when it doesn’t. Ask questions, challenge us, & network.

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Understanding the unique needs of different generations is crucial in providing them with the right coverage. Seniors often seek the most comprehensive insurance they can afford, but many misunderstand Medicare Advantage's limitations. Join Brandon Clay and myself for an exclusive Drip the HIP Wired event Live on LinkedIn this Tuesday, June 4th, as we dive deeper into bridging these gaps and ensuring better security for our seniors. #InsuranceInsight #LinkedInLive #MedicareAdvantage

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Advantage Plus Elite in addition to Medicare Advantage

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2 conferences... 1 challenge... Customer Service! We have you covered! #associatedbenefitsconnection #associatedbank #customerservice #hr #humanresources NABIP Texas SHRM #employer #employee #bestinclass #resolution

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Texas-Sized Coverage Everything's bigger in Texas, including your insurance needs! As a local insurance agent, I understand the unique challenges and risks that come with living in the Lone Star State. Let's review your coverage and ensure you're protected from the unexpected. #TexasInsurance #LocalExpert

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"Intensity analysts estimated the costs of Medicare coverage for weight-loss drugs would range from $1.9 and $2.7 billion a year, less than 2% of annual drug spending. This figure does not include the estimated cost offsets of treating obesity. Analysts estimated Medicare would save about $500 million in obesity-related costs annually." Benistar Administrative Services, Inc. Worldwide Employee Benefits Network NABIP BenefitsPRO Employee Benefit News SHRM State and Local Government Benefits Association Government Finance Officers Association (GFOA) National PELRA AHIP Self-Insurance Institute of America, Inc. Medicare Rights Center American Benefits Council National Native American Human Resources Association (NNAHRA) New England Employee Benefits Council (NEEBC) George Kaiser Family Foundation KFF Better Medicare Alliance U.S. Department of Health and Human Services (HHS) Centers for Medicare & Medicaid Services International Foundation of Employee Benefit Plans (IFEBP) The Council of Insurance Agents & Brokers National Labor and Management Conference AGRiP (Association of Governmental Risk Pools) Illinois Municipal League ASCEND Agency Growth & Leadership Summit Midwest Coalition of Labor Becker's Healthcare Tara Lane Kelly Loussedes Eli Tate #medicare #medicareadvantage #retirementgoals #groupbenefits #retirementplan #retireemedicalbenefits #benistar #retireegroupbenefits #medicaresupplement #egwp #seniors #retirees

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Leadership Team, What is your strategy to protect your company from large claims in healthcare??? If you don't have one...you're not alone. The fact is high-cost medical claims determine your health insurance renewal. The norm is 2% to 5% of members will incur more than $50,000 in medical bills. That's 2 to 5 people out of every 100 people on your plan. If it's 2...your renewal will be better than average. ✅ If it's 3 or 4...your renewal will be average. if it's 5+...buckle up! ↗️ The Waymark Collective is designed to spread your risk across a larger, more steady risk pool. We've created a giant health plan that is large enough to stabilize your company and everyone else involved. I encourage you to join me for a session that explains the program in more detail. This is the way. Click below to register. Event is limited to employers only. https://lnkd.in/gPHwDfvH HUB International HUB I HORAN Berkley Accident and Health (a Berkley Company) EACC Greater Cincinnati (European American Chamber of Commerce) #thereisabetterway #ceo #cfo #humanresources #manufacturing #strategy

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Be prepared for higher insurance rates and deductibles! 🆙🆙🆙. According to recent statistics, the region from North Carolina to Texas has experienced the second-most recorded tornadoes in history since April 25th. This has resulted in 39 states and 98 million Americans being under severe weather risk this week. When the capital markets that back insurance companies lose money, they raise their rates to reinsurance markets, reinsurance companies raise their rates to insurance, and then insurance companies raise it to us as consumers. As a result, insurance companies are adding or increasing wind hail deductibles, getting off property with older roofs or excluding them altogether, and some are even shutting their doors. It's not a profitable business to be in right now. So, it's advisable to put a little more money back for increase than you did last year. Protect yourself and your property! #insurance #insuracerates #beprepared

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Elevate Your Offerings with Aligned Hospital Indemnity Programs! What is an Aligned Hospital Indemnity Program? It's a program that will out more benefits when employees go to hospitals that are in-network, or are a part of the direct contract that you / the employer created. Educate. Incentivize. Save the Employer Money 📈 Here's why this strategy stands out: ✅ Client Differentiation: Set yourself apart by introducing innovative solutions that go beyond traditional benefit packages, showcasing your expertise in maximizing value for your clients. ✅ Enhanced Value Proposition: By integrating hospital indemnity programs with self-funded medical plans, you provide clients with a comprehensive benefits solution that addresses both healthcare needs and financial objectives. ✅ Revenue Opportunities: Expand your revenue streams and deepen client relationships by offering value-added services that drive tangible results and long-term satisfaction. With our tailored approach, you can empower your clients to: 🔹 Optimize Healthcare Spending 🔹 Strengthen Employee Engagement 🔹 Mitigate Financial Risks

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