Shows
The Zemar PodcastThe Process-Driven Approach to Business SuccessIn this episode, Butch Zemar dives into why process matters more than results when it comes to business growth and sustainability. CFOs and HR leaders often focus on revenue and cost-cutting, but Zemar argues that these are just byproducts of a well-structured strategy. Businesses that rely solely on sales tactics without refining their internal processes ultimately face inefficiencies, stagnation, and increased risk. Drawing comparisons to professional athletes, daily discipline and incremental improvements drive long-term success, rather than chasing short-term wins.
The outdated approach to health insurance renewals, where brokers simply negotiate premiums instead of addressing the core...2025-03-1822 minThe Zemar PodcastFire, Failure, and the Fight to Adapt: Business Lessons from the USS ForrestalButch Zemar takes listeners back to one of the most devastating naval disasters—the USS Forrestal fire. Caused by a hot start on a jet engine, the fire claimed 100 lives and nearly sank the ship. Zemar not only recounts the tragedy and the heroic efforts of the crew but also explores how the Navy’s response—mandatory firefighting training and structural changes—offers a critical lesson in business adaptability.
Drawing from his personal experience in shipboard firefighting training, he underscores the importance of preparation, discipline, and swift decision-making in preventing catastrophic failures in both life and business.
Sh...2025-02-0629 minThe Zemar PodcastTurning Chaos into Opportunity: Lessons in Adaptation and GrowthA scuba diving anecdote illustrates how firsthand experiences can dramatically shift perceptions, as a couple had contrasting reactions to their diving class. The discussion emphasizes the importance of embracing challenges and chaos, whether in parenting, business, or personal growth and highlights how adapting to adversity leads to success. The conversation underscores the risks of offering advice without relevant experience and advocates for focusing on positive contributions and supporting others
Listeners are encouraged to refrain from giving unsolicited advice, especially when lacking firsthand experience. The host also stresses the importance of building connections and support systems, both personally...2024-11-2627 minThe Zemar PodcastMore Than the Miles: Lessons in Business from Ultra-Marathon TrainingIn this episode, Butch Zemar explores the parallels between training for ultra-marathons and achieving business success. He emphasizes the importance of gradual progress, consistent effort, and discipline, sharing personal experiences from his journey as a runner. Butch discusses how the real challenge lies in the training, not the race itself, and relates this to the need for adaptability and perseverance in business. He highlights how focusing on long-term goals, learning from setbacks, and making steady improvements are crucial for both personal and professional growth.
Butch also stresses the significance of accountability and leveraging support from partners in...2024-11-1915 minThe Zemar PodcastFrom the Deep End: Rethinking Employee Benefits with a Data-Driven Approach
There are parallels between the importance of proper planning and managing an employee benefit program effectively for your company. Scuba divers prioritize safety and must be equipped with the right tools. Employers should reassess their benefit packages, leveraging data-driven approaches to understand cost structures and explore innovative solutions beyond traditional broker advice.
Businesses need help in controlling benefit program costs because many need more data to make informed decisions. A closer analysis of healthcare benefit costs and the adoption of alternative approaches that offer greater transparency and control. By moving away from the status quo and considering n...2024-08-2225 minThe Zemar PodcastHidden Costs and Conflicts | A Deep Dive into the Healthcare System with Butch ZemarIn this episode, Butch Zemar dives into the complexities of the healthcare system, highlighting the lack of transparency and the misalignment between brokers and insurance companies. He underscores the significance of patient advocacy programs, urging employers to invest in these initiatives to help employees navigate the healthcare system more effectively. Zemar emphasizes that such investments can lead to substantial long-term benefits, including increased productivity and cost savings.
Zemar also discusses recent regulatory changes, such as the reduction of short-term medical plans to three months, and their potential impact on coverage. He highlights the hidden fees and conflicts...2024-07-1115 minThe Zemar PodcastScuba and Business Resilience | Sunken Ships to BoardroomsButch Zemar dives into his scuba diving adventures, sharing valuable insights on pushing beyond basic skills and dealing with unexpected equipment malfunctions. Emphasizing the importance of proper training, safety protocols, and teamwork, recounting several challenging dives, including a leaking mask in 38-degree water on a sunken car ferry and a dry suit failure on a frigate dive to 190ft deep. These stories highlight the significance of preparation and adaptability, illustrating how divers can manage and overcome underwater challenges through continuous learning and practice.
Beyond scuba diving, Zemar also explores business challenges in this episode, discussing common mistakes...2024-07-0830 minThe Zemar PodcastStrategic Troubleshooting and Benefits ManagementIn this episode, Butch Zemar delves into his expertise in electronics troubleshooting, problem-solving, and benefits program management. He underscores the significance of intuition, experience, and creative thinking in identifying and resolving issues.
Entrepreneurs often encounter the same hurdles in decision-making and problem-solving when offering strategies for obtaining affordable, high-quality health insurance for employees. It is important to have a strategic approach to problem-solving. Listen in as we approach the next benefits renewal or any other business issue that needs a resolution.
For more information on Elite Benefits of America, contact Butch at 708-535-30...2024-06-2729 minThe Zemar PodcastFrom Navy Adventures to HR StrategiesIn this episode, Butch Zemar shares his unpredictable and challenging experiences in the Navy, including his service on the USS Constellation. He discusses the pros and cons of partnering with a Professional Employer Organization (PEO) for HR outsourcing, highlighting benefits like cost savings, streamlined processes, and access to a larger employee pool. However, there are potential downsides. Check out this podcast!
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2024-06-2024 minThe Zemar PodcastFatherhood Fitness: Navigating Wellness Journeys for Busy DadsThe recent podcast episode explored various topics centered around fatherhood, fitness, and personal wellness. Jason Priest opened up about his own journey, discussing how overcoming addiction and depression led him to a newfound purpose in helping others—a lifestyle program tailored specifically for men, focusing on fat loss and sleep improvement.
The discussion emphasized the importance of surrounding oneself with positive influences and making sustainable lifestyle changes. It also stressed the significance of sleep, stress management, nutrition, and fitness in achieving sustainable weight loss goals.
The conversation also touched upon the societal factors influencing lifestyle ha...2024-06-1334 minThe Zemar PodcastData Decisions: Navigating Complexity in BusinessIn this episode, Butch Zemar delves into the crucial role of data in decision-making processes across various industries, drawing from his diverse experiences in the military and the tech industry. He underscores the importance of leveraging data to inform strategic decisions while acknowledging the potential pitfalls of relying solely on data, such as encountering inaccurate information or basing decisions on false assumptions.
Challenges are associated with making decisions based on incomplete or inaccurate data, offering insights into troubleshooting methodologies in the technology and medical fields. Drawing parallels between these domains and business operations, he emphasizes the significance...2024-06-0618 minThe Zemar PodcastNavigating Employee Benefits: A Dive into Risk ManagementButch Zemar and special guest Alex Toler take listeners on a deep dive into the often-overlooked realm of risk management within the employee benefits industry. Drawing from Alex's extensive property and casualty insurance background, the conversation illuminates the critical need for effective risk management practices in safeguarding employees' health and financial well-being.
One of the key highlights of the episode is the exploration of the transition from fully insured to self-funded health plans. Butch and Alex dissect the challenges and opportunities inherent in this shift, underscoring the importance of cost-control measures and employee engagement strategies. They also...2024-05-2827 minThe Zemar PodcastUnlocking Healthcare: Navigating Challenges and Solutions in the American SystemIn this episode, the discussion revolves around the challenges inherent in the American healthcare system, as Butch Zemar critiques its structure and operations. The conversation touches upon various issues, including rising costs, affordability, and fraudulent billing practices, shedding light on the systemic flaws perpetuating these problems.
The impact of the Affordable Care Act (ACA) is attributed to increased costs and reduced commissions for health insurance providers due to its implementation. He argues that while consumer demand plays a role, systemic issues such as abuse and neglect within the healthcare system significantly contribute to the unaffordable costs that...2024-05-1624 minThe Zemar PodcastNavigating the New Horizons of HR: Challenges and Opportunities for Small and Mid-sized CompaniesIn the latest podcast, Butch Zemar tackles the ever-evolving landscape of Human Resources (HR) in small and mid-sized companies, shedding light on the intricacies of adapting to external factors like the Affordable Care Act while navigating shifting client demands and ethical considerations.
The episode begins with Butch delving into the transformation of HR strategies, driven by legislative changes such as the Affordable Care Act and market trends. While advocating for equality in the workplace, Butch acknowledges the hurdles in achieving this vision, particularly in the realm of HR.
A focal point of the discussion revolves...2024-05-0925 minThe Zemar PodcastStreamlining Benefits Enrollment Process and Containing Healthcare CostsIn this episode, Butch Zemar explores the importance of leveraging technology and implementing cost-containment strategies in the healthcare industry, particularly for middle-market companies. He emphasizes the need to embrace automation in benefits enrollment, ensure accuracy, and prioritize HR and benefits compliance. Here's a breakdown of the discussion:
Introduction:
Butch Zemar underscores the significance of embracing technology and automation to streamline the benefits enrollment process for small and mid-sized companies.
He highlights the challenges associated with paper-based enrollment and the benefits of transitioning to technology-driven solutions.
Embracing Technology in Enrollment:
Zemar discusses the importance of...2024-04-3022 minThe Zemar PodcastMilitary Support Roles and Structured WorkplaceIn this episode, Butch Zemar reflects on the significance of support roles in the military and the challenges military veterans encounter during their transition to the civilian workforce. He emphasizes the importance of discipline, teamwork, and support in both military and civilian contexts. Here are the key points discussed:
Introduction:
Butch Zemar shares his military experiences, highlighting the diverse roles and responsibilities within the armed forces.
He emphasizes the value of discipline, teamwork, and adherence to military bearing.
Military Roles and Discipline:
Zemar discusses the importance of support roles such as maintenance and supply...2024-04-2322 minThe Zemar PodcastNavigating the Broker-Employer Relationship in Employee Benefits ManagementIn this episode, Butch Zemar delves into the intricate dynamics of the broker-employer relationship in managing employee benefits. He addresses common misconceptions among employers regarding the role of brokers and emphasizes the significance of clear communication and understanding of responsibilities throughout the year. Here are the key insights:
Introduction:
Butch Zemar sheds light on the complexities of managing employee benefits and the pivotal role of brokers in this process.
He highlights the importance of bridging the gap between employer expectations and broker responsibilities.
Employer Responsibilities:
Responsibilities and risks associated with providing employee benefits programs...2024-04-1820 minThe Zemar PodcastManaging Healthcare Costs and Benefits for Midsize CompaniesIn this episode, Butch Zemar dives into the pressing challenges faced by midsize companies in managing healthcare costs and benefits. He sheds light on crucial strategies and proactive approaches that can help mitigate these challenges and drive cost-effective solutions. Here are the key takeaways:
Introduction:
Exploring the complexities of managing healthcare costs and benefits for midsize companies.
Underscoring the need for proactive measures, technology adoption, and strategic cost control.
Insights:
Understanding the provider network and leveraging brokers emerge as essential strategies for cost savings and effective cost management.
Errors in benefits administration are prevalent...2024-04-1621 minThe Zemar PodcastMuting The Megaphone with Kate Dileo | The Brand TrifectaKate Dileo is no stranger to us on the podcast and marketing of your company's brand. Success is achieved by adopting methodologies that are the least resistant to revenue. Listen in to Kate as she shares more on the Brand Trifecta, your playbook, and how you can gain access to her program at your own pace.
For more information about the Brand Trifecta program, please visit Brandtrifecta.com. You can also reach Kate Dileo on LinkedIn.
For more information, please contact us at EliteBenefits.net or call 708-535-3006.
2024-03-2626 minThe Zemar PodcastManaging Healthcare Costs for Employers: Strategies for SavingsIn this episode of the Zemar Podcast, Butch Zemar discusses strategies for saving employers money on health insurance. Ken Wosczyna joins him, and they delve into various topics related to healthcare costs, renewals, self-funding, and employee incentives.
Connect with Ken Wosczyna on LinkedIn.
For more information, please contact us at EliteBenefits.net or call 708-535-3006.
2024-03-1424 minThe Zemar PodcastExecutive Disability Insurance: Bridging the Coverage GapIn this episode, host Butch Zemar is joined by Grayson Owen to delve into executive disability insurance (DI) topics. Grayson, a specialist in individual disability insurance, shares insights on bridging the gap in coverage for executives and business owners. With extensive experience in the insurance industry, Grayson emphasizes the importance of addressing gaps in coverage to protect individuals' income and business interests.
Key Points:
Grayson Owen's Background: Grayson shares his journey into the disability insurance space, highlighting his transition from advanced life insurance planning to focusing on employee benefits and eventually becoming a disability insurance...2024-03-0722 minThe Zemar PodcastYou Shoot With Your Bad Eye | Employer Responsibilities Coming | Tips for 2024Most employers and CFOs are shooting with a bad eye. They keep missing their targets. Change your tools to work with your good eye.
Healthcare customer service is rated the worst. Big names don't change anything. Why? Check this out. There is no return on their investment, but they will still make money—a lot of it. No accountability up and down the chain. It's explained here in this podcast.
Listen until the end with some ideas for 2024 if you are under 50 employees.
For more information, please contact us at EliteBenefits.net or...2024-01-2524 minThe Zemar PodcastHospitals Depend On Employer Sponsored Health Plans | Cost AnalysisHospitals do not depend on government-funded health plans. Employers are the driving force due to health plans overpaying for healthcare. Nearly double!
At the same time, employees pay 20% more for healthcare out of the paycheck, meaning they take less home.
Listen in as we dive into cost analysis, which shows that only 26% of CFOs look for new ways to control costs. Three-quarters of CFOs should be fired for looking at costs the status quo way... Hopefully, they will listen to this podcast before they realize they have a fiduciary responsibility; otherwise, they will be penalized. ...2023-12-0728 minThe Zemar PodcastThe Transparency Movement: Interview with Lester J. MoralesAre you willing to go through the much-needed work to have better outcomes? Lester J. Morales from Next Impact joined us to discuss the Transparency Movement. Employers all over the country have been viewing the benefits the same since the beginning of time. It is time advisors need to do a better job. The current model doesn't allow for transparency. Now is the time to start asking the harder questions. You don't want to miss this podcast.
To learn more, reach out to Lester J. Morales on LinkedIn, or visit NextImpactLLC.com
For more information, p...2023-11-0224 minThe Zemar PodcastYou Have A Bad Compass 🧭 | Do Something Different To Get Ahead with Benefits ProgramsAre employees leaving your company? Benefits programs are tough to tangle. You might be on the wrong path. You may need a new compass. You can see if you are off your target with the right updated tools.
In this podcast, you will learn not only how to use a real compass, but to see if you are off on your own target or goal for your benefits program. If you don't correct your course soon, you will miss your target completely, and may even be out of business.
For more information, please contact us at ...2023-10-2520 minThe Zemar PodcastHockey Is Life With Ken Wosczyna and Predictable RenewalsHockey players are cut from a different cloth. In this podcast, @Ken Wosczyna shares with us about goals, risks and rewards, teamwork, and being disciplined. Join us and learn how being a hockey player has helped businesses have more predictable renewals.
To reach out to Ken Wosczyna, reach out on LinkedIn: https://www.linkedin.com/in/ken-wosczyna
For more information, please contact us at EliteBenefits.net 708-535-3006
2023-10-1220 minThe Zemar PodcastFire Your CFO | Benefits Renewal Data | Broker CompensationFire your CFO! If your CFO is not sitting at the table with the benefits broker/consultant and HR, then they should be fired. Why? They are letting the health carrier, or even the broker/consultant, charge too much for a benefits package.
The proof is in the data. Where is your data?
Listen to this podcast and discover how deep the data can go for the renewal. We even review broker compensation models, when you should pay more, and when to pay less.
If your CFO isn't looking at the financial data of...2023-09-2839 minThe Zemar PodcastGet More Control of Outcomes with Ken Wosczyna and Butch ZemarMiddle-market renewals are underway, and activity is increasing here in the agency for our clients. Ken and Butch discuss ways employers can control their benefits spending; even small changes can make a big difference.
If your benefits spending is one of your top three line items on the profit and loss statement, you need to listen to this segment.
To reach out to Ken Wosczyna, reach out on LinkedIn: https://www.linkedin.com/in/ken-wosczyna
For more information, please contact us at EliteBenefits.net 708-535-3006
2023-09-0625 minThe Zemar PodcastInvestor Funded Start-ups with Jason TreadwellJason Treadwell has been a long-time friend of Butch Zemar. Jason took time to share some thoughts on Venture Capital or Investor funded start-ups. A lot goes into these start-ups. Having the right advice from someone experienced goes a long way.
How to scale with no revenue
Expanding a company with revenue
Market behavior changes to look for
Reach out to Jason Treadwell by calling 773-569-1982 or visit TreadwellConsultinggroup.com
For more information, please contact us at EliteBenefits.net 708-535-3006
2023-08-3003 minThe Zemar PodcastExtraordinary Growth with Tyler Williams | The Zemar PodcastLife and business can be fearful to achieve greatness. According to Tyler Williams, embracing fear is the key to unlocking your potential. Tyler uses a 5-minute formula to work through your fears to create a better you.
Listen to the interview with Tyler Williams as he shares his experience as a country singer and race car driver and how he faced his fears. Tyler also shares his story on how he met Tony Stewert, NASCAR driver.
Download your copy of the 5-minute Formula at 5minuteformula.com
Reach out to Tyler here on LinkedIn, as...2023-08-1625 minThe Zemar PodcastSetting Expectations Right | Too Much Money In HealthcareWe have our expectations set too high, especially when it comes to healthcare. Insurance is about spreading risk for sudden expensive claims, not predictable ones. Healthcare isn't the only place where expectations are not met. Try Scuba or even putting up a pool in the backyard. Check out this podcast so you don't get caught in the blame game
For more information, please contact us at EliteBenefits.net 708-535-3006
2023-07-0527 minThe Zemar PodcastFeel Great With Kait | Pillars of Health with Kaitlin BorncampEveryone is so busy these days to keep up with our health. This is why we asked Kaitlin to join us on the podcast to discuss how we can achieve better health. Having a process that starts where you at today will only make you more successful in your journey.
Listen in to Kaitlin as she shares about the process to better health. This three-step process will help you achieve the results you have been looking for.
Listen in today!
Reach out to Kaitlin Borncamp on LinkedIn.
For more information, please con...2023-06-2823 minThe Zemar PodcastGet Your Mid-Year Review Now! Save Thousands of Dollars and Become HR CompliantWhat'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!
F...2023-05-1229 minThe Zemar PodcastAnalyzing Risk with Daniel Wells at ClaimDoc | Zemar PodcastDaniel Wells from ClaimDoc joined us in the studio for this episode. Daniel shares his experience in risk modeling, known drivers when it comes to the industry, and improving outcomes.
In this episode, Daniel walked us through his experience in the industry leading up to ClaimDoc. Cost savings and better outcomes are the main objectives and healthcare trends you need to know.
Listen to the case study of huge savings for the employee at claim time.
Reach out to Daniel on LinkedIn. You can visit ClaimDoc on their website for more information.
F...2023-03-3035 minThe Zemar PodcastOnce You See It, It Is Hard To Not See It | You See Better With Your Head UpOnce you see it, you cannot unseen it. Things will stand out more after this podcast!
Butch’s first hockey game
Pick up your head to see it
Identify the holes
Its not a broker sponsored plan
The compliance side of benefits
For more information, please contact us at EliteBenefits.net 708-535-3006
2023-03-1731 minThe Zemar PodcastWhat is Your Military Grade | Merging Markets to Lower Health Insurance PremiumsExpense 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
2023-02-0724 minThe Zemar PodcastObey the Rule of Thirds | Changes That Make Life Better | History of Scuba DivingButch 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...2022-12-1317 minThe Zemar PodcastNew Routines | Save Money | The Zemar PodcastWe 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
2022-11-2223 minThe Zemar PodcastBenefits Compliance Overview | Navy Aviation Compliance | Open EnrollmentsThe 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 i...2022-11-1520 minThe Zemar PodcastTraditional Vs Digital Marketing with Chris Spanier | The Zemar PodcastChris 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 A...2022-10-2623 minThe Zemar PodcastElevate Your Game and Craft your Content Pillars with Jason Finn, Poker Broadcaster | The Zemar PodcastEver feel like your marketing falls apart? Jason Finn with Geek Chicago fills us in on how to craft pillars to keep your marketing up and going. Jason walks us through the process of marketing your business, whether you are in Real Estate, Insurance, or just a small mom-and-pop.
Elevate Your Marketing Game
Individual versus Company Branding
Content Pillars of Marketing
The Game of Poker - Broadcaster
Learn to play Poker
A quick update on open enrollments 2023!
To reach to Jason Finn, for marketing jason@geekchicago.com
For real es...2022-10-1836 minThe Zemar PodcastNot All Brokers Are Created Equal | Interview with Carrie Espinosa from Horizon Benefit ServicesThe world is changing, and so is the benefits world. Listen in to some of the changes employers and brokers are facing. Change is the only constant.
In this Podcast:
Change is the only constant
Inflation Reduction Act
Rx Discounting for Medicare Beneficiaries
Employers need to consider medicare options for their medicare eligible employees
Questions you should be asking your brokers to make sure you are getting good advice
Devil is in details
To find out more, reach out to Carrie and her team at Horizon Benefit Services please visit horizonbenefitservices.com or call 847-746-6...2022-10-0424 minThe Zemar PodcastLanding and Launch Pads | Building Better Habits | Interview with Colleen Klimczak, Certified Professional OrganizerBuild better organizational habits with Colleen Klimczak, a professional organizer. This podcast discusses building good habits and having a landing and launch pad for your essential items. When are the items and tasks enough, and when is it too much? Sometimes starting with "organizational 101" is an excellent way to go about it. Turn your piles into files.
For more information or contact Colleen Klimczak, please visit Peaceofmindpo.com
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2022-09-2942 minThe Zemar PodcastHave Something to Brag About With Alan Stern | The Zemar PodcastAlan Stern has taken marketing to the next level. You do not want to miss his "Live From the Lot" episode reviewing new cars that just hit the lot. Alan makes car buying so smooth, you'll brag about it.
Alan also takes us down the path of how to market our own businesses, solo or a company with employees that need to promote your product or company. Take your marketing to the next level.
Be sure to visit www.UltimateUsedCarCheatSheet.com or visit Alan on all the social media outlets. Look for the guy in...2022-09-2719 minThe Zemar PodcastBe The Outlier | Military Habits Live On | My US Special Forces Scrutiny StoryOld habits die hard. Especially for Veterans. Veterans come out of the military with habits that live on forever. They never seem to go away. Some are good, some not so good. For some of us, it also taught us to be outliers.
Listen to Butch's story about when he was nominated as Benefits Broker of the Year in 2014. Butch was one of five in the country. The publication labeled me as an Ex-Navy Seal. Check out this podcast for the details and the outcome of the scrutiny he faced.
Update: Since this podcast's recording, th...2022-09-2126 minThe Zemar PodcastFeel The Pain | ER Visits | Mid-Year Strategies | Consultant FeesButch walks us through a real ER visit for one of his kids on vacation. Be logical not emotional. Get cost savings and real advice in this podcast.
In this episode:
Summer vacation ER visits
Mid-year renewal strategies
Consultant fees are here
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2022-08-2334 minThe Zemar PodcastCollision At Sea If You Sleep At The Wheel - Same With Your Benefits Program | Zemar PodcastYou and your broker are probably asleep at the wheel. In the Navy, collisions happen at sea, and from Butch’s perspective, it’s because of two reasons:
Lack of training
Being complacent
Many employers and brokers have become complacent at what they do for the benefits program. Some are trying to do something and learn along the way and that’s great. A lot are not. Accepting the status quo as is and just complain about it.
In this episode Butch talks about:
mid-year reviews
keep things tight and make adjustments
Avoid your own ver...2022-07-1424 minThe Zemar PodcastOne Checklist Can Save A Company Six-Figures | The Zemar PodcastIn the military, we had Checklists. The checklists were created over time from the publications that required us to maintain a standard of operation. In the aviation world, it saved lives. In the business world, we profit more.
In this episode, I walk you through a case study that saved a company over $100,000. It goes right back to the bottom line.
Find out areas where you are overspending
There are areas you need much improvement
Focus is on better outcomes, not repeating the same thing over and over
To gain a copy of the checklist, pl...2022-06-2020 minThe Zemar PodcastBlurred Vision - CFOs Action Items for their Employer’s Pain of The Great Resignation | The Zemar PodcastScuba Diving is fun, but even in clear waters vision can be impaired. Employers and CFOs are suffering blurred vision with the great resignation going on. They skip the biggest expense on the profit and loss statement. Look into changing how you do things so you can increase your benefit package and increase wages for your current and new employees. It’s costing you money by waiting.
In this episode:
Shipwreck diving story…
Blurred vision by those who can take action (Hint: CFOs and owners)
You’re in financial pain, what are you going to do about i...2022-06-1421 minThe Zemar PodcastMeet the Cannon Hockey Player | Employers Can Beat The Great ResignationMeet my son, Caleb. His hockey coach calls him "Cannon". Find out on the podcast why!
The great resignation is hurting employers all over the country. Many employers get in their own way trying to fix it. I walk you through streamlining the process, freeing up cash to increase your benefits and compensation packages to your employees so you can attract and keep hardworking employees.
After listening to this podcast and you want to see where your company stands, please complete an assessment to get your score report. EliteBenefits.net/Scorecard
Fo...2022-06-0623 minThe Zemar PodcastMaking Music with Sims Tillirson | Employers Move Forward with Technology | Interview on the Zemar PodcastSims enjoys making music and spending time with his family. His workday is filled with streamlining enrollments and engaging employees to have better outcomes and save the employer money.
In this podcast:
Covid forced employers to move to more advanced enrollments
More engagement with employers and their employees
Working with an expert
Making music! (check out music channels on this guy!)
To reach out to Sims Tillirson, check out his contact info on LinkedIn.
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2022-05-2419 minThe Zemar PodcastBill Hammett and Alternatives to Traditional Health Plans Full Interview | The Zemar PodcastThe employee benefits space has evolved over the years. How employers approach, it has also changed. Bill Hammett from Hammett Insurance Marketing took us through alternative options to traditional major medical and their advantages.
William Hammett can be found on LinkedIn as well as hammettmarketing.com
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2022-04-2728 minThe Zemar PodcastWebinar - Why is Healthcare Such a Problem? | The Zemar PodcastHealthcare is an issue for many. The system is performing exactly the way it was designed. Take these steps to grab control of the claims.
Know the system and how it works
Know the claim process
Know the hidden costs
They have incentives to spend more, don't be fooled!
Steps to take control of the claims
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2022-04-1420 minThe Zemar PodcastScale With End to End Processes | Interview Amanda Russo, Founder of Cornerstone Paradigm Consulting, LLC | The Zemar PodcastMany businesses struggle to keep up with their work let alone expand their business to the next level. Businesses all over the globe, small and large, do not have end-to-end processes of their businesses. If you are looking to take your company to the next level, you need to listen in on some of the take ways from Amanda Russo from Cornerstone Paradigm Consulting (CPC) in this podcast. Amanda shares with us some of the steps to take in order to start moving your company to the next level.
Symptoms can be part of a larger issue at hand
Going...2022-03-2218 minThe Zemar PodcastInterview with Marshall Allen, Author Never Pay The First Bill | The Zemar PodcastMarshall Allen shares insights from his new book, Never Pay the First Bill, and other ways to fight the health care system and win!
The health care system is working exactly how it was designed. Allen provides the manuscript on how to fight back on the providers with unfair billing practices and exploiting people's sickness for profit.
In this episode:
Know when to pay the bill.
Sue in small claims court (outlined in the book)
Overbilling - lookout for it.
Upcoding
And much more...
For more information, please visit MarshallAllen.com. You can also connect with Marshall Allen on LinkedIn.
For mo...2022-03-1527 minThe Zemar PodcastInterview with Eric Silverman | Voluntary Disruption | The Zemar PodcastThe benefits industry is full of lack of transparency. Let's take a deep dive into how the employer is buying benefits wrong. Eric Silverman from Voluntary Disruption walks us through how it's all about communication, engagement, and technology, then you have your benefits package.
Learn the 4 types of brokers
Avoid the one option sales rep
Say no to the "two-faced" brokers (listen in to this one!).
For more information, visit Eric Silverman on LinkedIn: https://www.linkedin.com/in/silverman... Visit Voluntary Disruption: https://voluntarydisruption.com/
For more information on Elite Benefits of Am...2022-02-1718 minThe Zemar PodcastHit Zero! The Book | Podcast Interview with Chris Wolpert of Group Benefits SolutionsEmployers, Chief Financial Officers, and Human Resource (HR) struggle every day with the cost of maintaining an employee benefits program. Find your Wolpertinger and get rid of the Jackalopes!
Chris walks us through his book, Hit Zero!, on how to get away from the traditional ways of employee benefits renewals. Start getting positive results for your employees!
Reach out to Chris Wolpert on LinkedIn. Visit Group Benefits Solutions at https://gbsbenefitsgroup.com/.
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2022-02-1419 minThe Zemar PodcastThe Biggest Fire In History | Military Process and Procedures | Start Now for 2023 ImprovementsThis podcast took me down memory lane a bit. The Military has a lot of good lessons for life and business. Structure and order are a big deal for the military. This can be brought to your HR this first quarter of 2022. Dive in now!
2022 planning for 2023
Improve the process now, not later
The biggest fire in history and what they did about BEFORE it happened
Supply chain audits
At home COVID-19 testing at no cost to your employees
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net2022-01-2714 minThe Zemar PodcastVeterans Day Shoutout! | Puck Battles | Open Enrollments | Fee DisclosuresUpdated:
A quick shoutout to some veterans that came to mind during the podcast. Open enrollment is underway. How is your's going?
Employees are waiting for their benefits package to determine their employment for 2022.
Open Enrollment Updates
Fee Disclosures are coming for Brokers; Employers
Shout out to my fellow veterans!
Happy Veterans Day!
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
Updated 1-14-2022
2022-01-1413 minThe Zemar PodcastWho is Butch Zemar? | Scuba, The Navy, and Family!The number one request for a podcast is who is Butch Zemar… Here it is. Butch takes a walk down memory lane as well as shares some of his personal and professional life. Don’t miss this one!
Hear some scuba adventures
Bringing back the Navy days!
How the ScubaButch brand was born
The hockey life
Family life (Much appreciation goes to Butch’s wife!)
And much more… Listen in now!
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2021-08-0515 minThe Zemar PodcastControl Healthcare Claims and Reverse the Trend | Interview with Ben Krambeck at Claim DocIn this episode, Ben Krambeck from Claim Doc shares some insight in reversing the healthcare trend through claims. Find out how your traditional employer-sponsored health plan is driving healthcare costs up!
Is a better way? Listen to this podcast and start saving!
Claims are soaring after the Affordable Care Act (ACA)
The fully insured plans blindside employers at the renewal
Network discounts are the purple unicorn of the universe
Double billing tactics to watch out for
Line by line claim audits
Two case studies that set the example of over-billing claims and billing mistakes
And more…
F...2021-07-1521 minThe Zemar PodcastHealth Insurance Landscape - What are your options?In this episode, I go through your options as an individual or family responsible for your own health insurance. Even some small group options.
Health Insurance vs. Healthcare
Break free from the handcuffs of the employer - Entrepreneurial
Health Insurance vs. other insurance products we buy
Cash payments to providers
Options for those paying their own health insurance
On-exchange vs. off-exchange
Short Term Medical Insurance
Christian Ministry med-share programs
Hospital only plans
Single employee group option
Small-Group special enrollment options
No participation requirements
No employer contribution requirements
For more information on Elite Benefits of America, contact Butch...2021-07-0123 minThe Zemar PodcastCreate Business Superfans | Interview with Frederick DudekCreating a fan base can be challenging for businesses. Frederick Dudek walks us through the steps he takes his executive clients through to align the key components to create Business Superfans!
In this episode we talk about:
The 3 components that drive business
Client retention methodology
Being creative when reaching out to prospects and customers/clients
Working a co-marketing strategy that brings in business you want
Find Frederick on LinkedIn. Visit Businesssuperfans.com reserve a copy of the book today and save!
For more information on Elite Benefits of America, contact Butch at 708-535-3...2021-06-2422 minThe Zemar PodcastEmployment Law Topics with Laura Balson, Managing Partner of the Chicago office at ConstangyLaura Balson with Constangy discusses what employers should be looking at as we have employees return to work, vaccinated or not. Check it out here!
What to do when your employees return to work
CDC VS OSHA?
Steps employers should go through with covid and their employees
1099 vs W2 with employees returning to work
Noncompetes for previous employees
Find a good attorney to fit your needs and budget
Reach out to Laura today for additional information:
Email lbalson@constangy.com
LinkedIn
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
...2021-06-1726 minThe Zemar PodcastGlobal Connector and No. 1 Best-Selling Author Justin Breen Interview | Group Health Renewal Update by Butch ZemarJustin Breen talks us through solving the problem that annoyed him for years being a public relations specialist to create a formula for a successful global company.
Simplify and see the patterns that work
At the highest level, there is no competition
Live in abundance
For more information on Justin Breen, visit him on LinkedIn or visit BrEpicLLC.com
Group Health Renewal Update by Butch Zemar
Group renewal checklist
Scorecard for your business - where do you stand?
125 document update (Pre-tax benefit)
ERISA wrap document update
HR Checklist
American Healthcare Plan Ac...2021-06-1120 minThe Zemar PodcastKeep On Pushing with Devon Harris, Three-Time Olympian and Bestselling Author of Keep on PushingIn this episode, we interview Devon Harris, retired military, former Three-Time Olympian, and one of the original team members of Jamacia's first Olympian Bobsled team.
Devon shares his insights on:
No task is too difficult, no obstacle is too great
The power of visualization
The 5 P's to Keep On Pushing
The scoreboard does not always show the wins
The Keep On Pushing Foundation
And much more...
Please visit Devon Harris on Linkedin, or his website at DevonHarris.com.
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or...2021-06-0428 minThe Zemar PodcastWin Business With a Personal Brand and A Major League Mindset with Andy NearyHaving the right mindset is everything. Andy Neary shares his insight in branding and storytelling to win all the business you want.
In this episode, Andy shares:
Tying the right mindset to the right marketing strategies
Shift to storytelling about your prospect and less about you
Keep the focus on the prospect to avoid failure
Be the superhero
Building a story framework
For more information, visit Andy Neary on LinkedIn. You are welcome to visit the Broker Branding Exsellence community here.
For more information on Elite Benefits of America, contact Butch at 708-535-3...2021-05-2721 minThe Zemar PodcastCovid-19 virus: Health Insurance Options, a conversation with the specialists - March 2020Recording from March 2020
There is a lot going on with the Covid-19 virus. Employers are looking for help managing health insurance while letting employees go. Employees are going crazy because they could lose their job if they haven't already. Then figuring out health insurance on top of it. Look no further. Health Insurance Specialists, Eric Wilson, Jason Denniston, and Butch Zemar walk through a conversation to help.
Explore all your options
Income is a driving factor for any premium tax credit
Pros and cons for hospital plans
You need to package it right to minimize financial...2021-05-2541 minThe Zemar PodcastMake More Sales With The Brand Trifecta - Interview with Kate DiLeoWant to increase your sales with ease? Kate DiLeo shares her insight into how she built a million-dollar pipeline. Catch it all on this episode!
Meet Kate, the "Accidental brand strategist"
Get your $1 Million pipeline
A better, simpler way to generate sales
Deeply resonate with your prospects
Discover the Brand Trifecta
Get your own Ennobble playbook with Kate!
For more information, please visit Ennobble.com or visit Kate on LinkedIn.
For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits.net
2021-05-2126 minThe Zemar PodcastIs a PEO Right for your company? | Interview with John Valle, TandemHRJohn Valle of TandemHR shares his 26 years of experience in the PEO industry. Is a PEO right for your company? Is it a good fit now? Listen in and find out!
What struggles do businesses have in HR/benefits admin, payroll
Dealing with the shift of how work is being done remotely
When is it good to have a PEO
When is it not good to have a PEO
Keep your insurance broker - work with a broker-friendly PEO
For more information on TandemHR or to reach John Valle, 630-280-7349 or jvalle@tandemhr.com
2021-05-1333 minThe Zemar PodcastInterview with Steve Fretzin | Be That Lawyer | Be Successful in the Ever Changing WorldAre you a lawyer or business owner that wants to take their business to the next level without selling? Reach your full potential with some of these tips discussed with special guest Steve Fretzin!
Discover Sales-free Selling
Dive into Fretzin's 3 P's to hit your targets
Journal your way to success
Adapting to new opportunities
They did not teach you this stuff in law school
Check out more about Steve at Fretzin.com, or visit Steve on LinkedIn.
For more information on Elite Benefits of America or Butch Zemar, please call 708-535-3006 or vi...2021-05-0421 minThe Zemar PodcastEarly Planning | Stay in Compliance to Avoid Penalties | Interview with Chad Granger with PrimePayEarly planning for the renewal is key to stay ahead. There are always things to chip away to make the benefits program better. At the same time, save money on premium and avoid compliance issues that could cost the business 10's thousands of dollars.
Case Study - Savings of 20%!
Evaluating time spent in planning
Write out goals and issues to help with planning
Review with your broker now
Give us a call for a 2nd opinion
Interview with Chad Granger -PrimePay
Compliance is important
Avoid the fines!
Compliance tool assessment
Find your holes in compliance
Technology to...2021-04-3034 minThe Zemar PodcastHave a Champion Mind - Interview with Former Olympic Cyclist and Cornerman, Dr. Jeff SpencerWe all want to climb the ladder to the promised land. How do you stay Goal Focused to avoid the traditional roadblocks and keep an eye out for your blind spots?
Dr. Jeff Spencer, Cornerman, shares some insight into his 300,000 plus hours in high-performance training.
In this powerful interview, we discuss:
There are 3 types of advisers - which one will get you to where you want to go?
Staying focused in a busy world
The 3 Step Strategy
Having a champion's mind (not mindset)
Staying Goal-Focused
The Goal Achievement Road Map program
And Much More
Fo...2021-04-2129 minThe Zemar PodcastSave $50,000 with this Case Study | Plan Designs | Blind Exposure | Revenue Tied Life Insurance PlanningThis case study ends up saving over $50,000 in premiums. Plan Designs are just part of it. Listen in on how you can save on your employee benefits program! Also, listen in for the blind exposures of claims.
Blind Exposure - be sure you know how to track claims.
Surprised medical billing is just part of it.
Do not pay your next medical claim before listening to this! Listen in for the blind exposure.
Revenue Tied Life Insurance
What if you live too long, die too soon, or get sick in the middle?
A discussion on one-way...2021-04-1423 minThe Zemar PodcastBiden Subsidy Update | Interview with Charles Read, CPA Author of The Payroll BookBusinesses are always trying to tackle payroll. It is so complex and in need of support. You have to know who to go and are they willing to go the extra mile. Charles Read shares with us some insights into rolling up the sleeves over at GetPayroll.com and getting the job done!
A quick update on the Biden Subsidies - A lot going on
Former Marine Veteran, Charles Read, CPA discusses what small to medium-sized businesses should be looking out for
The Payroll Book - a must-have for every business
Why is the 125 Document so important for...2021-04-0731 minThe Zemar PodcastResources to Solve Employee Benefits Problems - The Value of an Insurance BrokerInsurance Brokers need to make their money, but how much is enough, and when is it not enough?
There could also be a chance you are overpaying for what you are receiving in return in terms of value and resources!
We are not a commodity!
Indirectly pay brokers through premiums to the insurance company
How do Benefits Insurance Agents really make their money?
Brokers could tend to "fake-it"
We bring resources to solve problems
What does a broker really make?
The complete breakdown!
Are you getting all the value of what you are prepaying within your insurance premiums?
2021-04-0122 minThe Zemar PodcastAmerican Rescue Plan Act and Advanced Premium Tax Credits for Health InsuranceWhat is happening with this American Rescue Plan Act (ARPA)? Find out how you can tap into it!
High level overview of the ARPA
Advanced Premium Tax Credits (APTC) - it's taxpayer-funded!
April 1st is the "Go" Date for updating your APTC
The true cost of healthcare is still there, just masked with taxpayer dollars to lower your premiums
You may be newly eligible for the APTC
Cobra subsidy up to 100% under ARPA - found out how you can get it!
For more information, please visit EliteBenefits.net
2021-03-3115 minThe Zemar PodcastThe American Rescue Plan Act and Start Planning for Your 2022 RenewalThe biggest changes since the ACA was signed into law coming with the American Rescue Plan Act.
Another 50 mile ultrarun on deck!
The American Rescue Plan Act: stimulus money for healthcare premiums
An increase taxpayer-funded healthcare subsidies
Cobra taxpayer-funded Subsidies
Schedule your renewal meetings now! Get it done by August to help make things smoother in fall.
Be ahead of the curve!
For more information, please visit EliteBenefits.net
2021-03-2319 minThe Zemar PodcastSurprised Billing, Subsidies, Cobra Elections, Biden Open Enrollment and more!Surprised billing, subsidies, cobra elections, Biden open enrollment and more!
History of subsidies part of ACA
What Biden is going to do about the subsidies
The Navigator failure
The Government is telling you what’s affordable
Know your options during the Election Period when you leave your previous employer
Cobra VS individual/family plans
For more information, please visit EliteBenefits.net
2021-03-1226 minThe Zemar PodcastThe Zemar Podcast in a Nutshell!A good previewing of discussions on The Zemar Podcast.
For more information, please visit EliteBenefits.net
2021-03-0505 minThe Zemar PodcastSmall or Medium Sized Companies Save More with Level-Funded or Self-Funded ProgramsSave more money by leveraging Level-funded or Self-funded programs
Listen in to find out...
Why fully insurance (traditional health plans) is costing you more!
Community Ratings vs. Underwritten Rates
Have the data to help leverage more savings for the company
Make Health Insurance more effective through education
Intro to Captive Insurance Products
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-02-2522 minThe Zemar PodcastMake 2021 Your Best Year In Business With These Marketing Tips from James DiMambro, JimmyVisionDo not miss these marketing tips today on the Zemar Podcast. Make 2021 your best year ever in business.
Learn what small and mid-sized (SMB) companies should be focused on for marketing
Direct mail is making a comeback
Avoid tunnel vision in your own world
Tap into the emotion of the buyer
Much Much more....
For more info on JimmyVision or to contact James DiMambro, go to JimmyVisionLLC.com or call 773-636-5521
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-02-1929 minThe Zemar PodcastAdvisor Discussion On The Biden Administration Healthcare Executive Order January 2021The Biden Administration is changing things for healthcare. What’s good? What’s bad? Listen in!
What does this mean for you?
What is this not?
Short-term medical plans still in the background as a strategy.
What do we see on the horizon for healthcare in the Biden Administration?
Eric Wilson, iSellHealth.com (815) 372-1363
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-02-1222 minThe Zemar PodcastHealthcare Pricing Transparency Tips and TricksDo not learn the hard way at claim time. Know your pricing with transparency!
You need to be a wiser shopper of healthcare
Location could be key when shopping for healthcare pricing
Biden healthcare executive order and why Trump did not!
CFO getting more involved with employee benefits decisions
Steve Watson’s Trendbreakers Podcast talks about key moves employers can make
Open enrollment is done, start making it better next year now!
And much more!
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-02-0522 minThe Zemar PodcastWhat Is The Affordable Care Act Really About?The Affordable Care Act made a huge impact, but just how? Listen to what did happen, and what didn't happen. What's next in the Biden Administration with Healthcare?
What did the ACA really do?
Who did it help?
Who did it leave worse off?
Small Business Special Enrollment Period
Does Biden have a healthcare agenda?
For more on C. Steven Tucker's "Truth about pre-existing conditions", visit here.
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-01-2832 minThe Zemar PodcastThe Aftermath of Open EnrollmentsThis week we discuss the aftermath of open enrollments and how to leverage your insurance agent to get it done and fast.
How HR Professionals need help after open enrollment
AON Insurance did a claims study for 2020 related to COVID
Financing Future Claims with self-funding programs
Case Studies of clients saving time and money!
Much more!
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-01-2118 minThe Zemar Podcast2021 New Year's Resolutions, New Changes Coming, and Be a Smarter Healthcare ConsumerNew Year's Resolutions, New Changes Coming, Be a Smarter Healthcare Consumer
Current events 2021
Amazon's Haven Collapse
The insurance industry teaches itself how to purchase employee benefit programs
the "status quo"
Transparency of pricing in healthcare
New "Menu board"
Too much demand for predictable "insurance" in healthcare
Be a smarter consumer!
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-01-1521 minThe Zemar PodcastThe Zemar Podcast Interview with Jaime Van Buskirk at JVB Physical TherapyInterview with Jaime Van Buskirk at JVB Physical Therapy
If you are a weekend warrior athlete, you need to hear this
Post-surgery therapy
Adapting to COVID
Dry Needling
Insurance tie
No referrals needed!
Cash is king!
Medicare
Get better now with JVB PT!
JVB Physical Therapy - 773-629-6875 jvbphysicaltherapy.com
For more information about Elite Benefits of America, please visit EliteBenefits.net or call 708-535-3006
2021-01-0516 minThe Zemar PodcastWhen Should You Start Planning For The Next Renewal? And Interview with David Matuszak, CFPWhen Should You Start Planning For The Next Renewal?
The renewal planning process
Project-based improvements
Increase communication with the employees
Interview with David Matuszak, CFP
Disclaimer: This podcast is intended for information purposes only. Any advice or planning should be consulted with an insurance or financial professional.
David Matuszak, CFP - David.matuszak@sisfp.com - 708-645-8820
For more information about Elite Benefits of America or Contact Butch Zemar 708-535-3006 EliteBenefits.net
2020-12-2326 minThe Zemar PodcastFinal Days of Open Enrollment; Interview with Kyle Altenburg at Hanley RealtyThe Zemar Podcast
Meeting Open Enrollment Deadlines
Communicate with employees
Required employer forms to stay in compliance
Interview with Kyle Altenburg at Hanley Realty
To contact Kyle Altenburg at Hanley Realty, call 708-277-3179 HanleyRealty.
Elite Benefits - 708-535-3006 or Click here.
2020-12-1630 minThe Zemar PodcastGet skin the game with health insurance; Interview with Dr. Joe Brannigan, D.C.How health insurance works
Getting access to care
Have more skin in the game to control the costs
Gain control of claim issues
Interview with Dr. Joe Brannigan D.C.
For more information on the Brannigan Chiropractic Center, please visit Branniganchiropractic.com or call 708-966-4413
For more information on the topic or any other insurance product, please contact us, or call 708-535-3006
2020-12-0934 minThe Zemar PodcastMore concerns in the workplace; Interview with Eric Wilson iSellHealth.comLook at plan designs to control costs and bring down out of pocket expenses
Negotiating claims with the providers
Reimbursing employees for purchasing a private plan outside of an employer-sponsored plan
Trends we are seeing in 2021
Interview with Eric Wilson from iSellHealth.com
(815)372-1363
For more information, please contact us at EliteBenefits.net 708-535-3006.
2020-12-0130 minThe Zemar PodcastIL Forces a Second Shutdown - What about your healthcare options?Another shutdown in IL. Things are going crazy during the open enrollment 2021 with Covid. Everyone is zoomed out and potentially out of work. But what about your healthcare coverage?
We will go through the following in this Podcast:
Still time for a new open enrollment
COBRA or IL continuation
Special Enrollment (SEP) when a loss of coverage occurs
Gain coverage through your spouse
Gain coverage through the exchange
Gain coverage through new employment
Buyer Beware of alternative health plans to the "Obamacare" plans
Regardless of president, nothing is going to change with healthcare right aw...2020-12-0128 minThe Zemar PodcastSupreme Court update on the ACA and What we are seeing with the Open Enrollment for 2021Updates on 2021 Open Enrollments
The Supreme Court Ruling with the Affordable Care Act
What Employers and Employees are asking for this time around
What to see going forward
Return to work COVID Checklists
What questions to ask when deciding on a health plan
For more information go to EliteBenefits.net
2020-11-2315 minThe Zemar PodcastUpdates During This Open Enrollment 2020There are increases going on for employer-sponsored plans in the Chicagoland area. Here are some tips on what you can do it about it during the 2020 open enrollment.
For more information and get your 2020 Open Enrollment Checklist, Contact us.
2020-10-2913 minThe Zemar PodcastCovid premium relief, MLR Rebate Checks and Insider Tips...More Insider tips coming your way
Plan Designs
Prescription Rx Savings
Worldwide Rx mail ordering
Educating the employees
Wellness programs
Think twice before going to the ER
And much more
For more information, please contact us. 708-535-3006
2020-10-2215 minThe Zemar PodcastFinding the Health Insurance Sweet Spot for Small to Mid-sized Companies Finding the right market to get your insurance can be tough. Here we talk through the key markets. Stick to what is best for you and your company. Brokers are the best choice.
For more information please visit https://www.EliteBenefits.net
For your open enrollment checklist, please contact us. Or call 708-535-3006
2020-10-2216 minThe Zemar PodcastEvaluating Health Insurance for 2021There is no one size fits all solutions. You need to take calculated risks when you evaluate what options are available to you. Should you go self-funded yet? Maybe even add tax-incentives to reduce healthcare expenses? Check it out on this week's podcast!
EliteBenefits.net
To get your open enrollment checklist, please contact us.
2020-10-0824 minThe Zemar PodcastOpen Enrollment Topics for Q42020The 2020 open enrollments for small to mid-sized companies are going to be a little different than usual. There are some things you probably do this year that you usually overlook or skip. This podcast we share those things you should review this year that is a must. EliteBenefits.net Contact us for a copy of your small business Checkup.
2020-10-0710 minThe Zemar PodcastThe History of Health Insurance -How did it all evolve?How did we get to where we are with Health Insurance? Where did it start? Who paid for it? Who is responsible for it today?
Insider tip - how do you save money at claim time? Listen in and find out!
EliteBenefits.net
To get your open enrollment checklist for 2020, please contact us.
2020-10-0716 min