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Insure Smarter!™

Take the headache out of insurance by making it simpler.

October 8th, 2010

Years ago when I built my first home, I hired a general contractor that was referred to me to get the job done.  Little did I know the extent of what the build entailed; carpenters, plumbers, electricians, roofers, all sorts of different sub-contractors to do my bidding.  The general contractor orchestrated the maelstrom of activity in an efficient way that I could never have handled, and if I had any issues I only had to talk to him to get my answers.

The IQ Risk team was referred into a potential client, a prestigious cardiology practice. At our initial meeting the administrator complained that he was tired of dealing with multiple insurance brokers, one for each line of coverage they had.  It was evident there was plenty of work to do managing the practice; the last thing he wanted was the headache from his multiple insurance policies and brokers. Which broker was on which policy?  Where was their contact information? Would they be reachable? Not something he had the time or patience for figuring out when he had a pressing question about his coverage.

As we began to discuss the ways that we were able to help him, he quickly stopped us and asked one simple question, “If I have any questions with any of my policies, I only need to make one phone call to get the answers?” To which we confidently responded with a resounding “Yes!”

After showing our new client that we were able to comprehensively and competitively cover all the insurance needs including his general liability, property, workers comp, as well as the employee benefits programs for medical, dental, vision, and life, all under one roof (and one phone call away), he thanked us profusely for making his life a lot simpler.

Turn on the light in the darkroom of Healthcare Reform.

October 1st, 2010

I remember as a child learning a new form of patience in a darkroom with rolls of film to be processed into individual pictures.  All the chemicals, the exposure of light sensitive paper, and the slow development of a picture from a vision to a permanent record to be admired.

God forbid someone turned on the light in the darkroom during this process, ruining all of the hard work.  Of course these days digital cameras have eliminated the painstaking process for most of us casual photographers.

The new healthcare reform law is much like that developed picture, slowly taking shape out of the unknown.  We have an idea of what the law intends, but much of the final regulations have yet to be written.   How does one make sense of it all, what takes effect when, and how will it affect policies now and in the future?

I could spend thousands of pages, somewhere around 2700, outlining what the law says, but the our government has taken it upon themselves to provide a medium to present this information.  HealthCare.gov is their portal to disseminate all of this information.   Recommended reading.

If you have any other questions or would like to hear it from a human being, give us a call here at IQ Risk.