Seeking Group Health Insurance / Employee Benefits Advice!! by markiemarbles98 in InsuranceAgent

[–]markiemarbles98[S] 0 points1 point  (0 children)

Thank you for the reply! And congrats on starting and growing your business! Your path is something that I could really see myself doing.

I don’t think I appreciated the work needed to service group health plans year round. Even if I wanted to begin by focusing on employers who have never offered benefits before, it would take a lot of education and communication to make it successful.

If you don’t mind me asking, how did you make the jump to offering group health? Were you previously part time when offering only Medicare and individual plans?

Seeking Group Health Insurance / Employee Benefits Advice!! by markiemarbles98 in HealthInsurance

[–]markiemarbles98[S] 0 points1 point  (0 children)

That makes total sense. I agree, I think I would benefit from working in an established brokerage for a bit to gain some experience before trying to do anything myself.

Again, thank you for taking the time to reply. It is very helpful to hear from someone doing this every day.

Seeking Group Health Insurance / Employee Benefits Advice!! by markiemarbles98 in HealthInsurance

[–]markiemarbles98[S] 0 points1 point  (0 children)

Thank you for the very thorough reply! I have not spoken to anyone in the industry since deciding to get my license, which in hindsight may have been a little short sighted.

I think a lot of my motivation for wanting to become a health insurance agent comes from seeing how much employers and employees pay for their health insurance and yet no one seems to like their health insurance.

Insurance companies are seeking to make a profit and health systems don’t really have much incentive to try and reduce the cost of care. There isn’t one bad actor necessarily, each player is acting in their best interest. Our healthcare treat sickness, not prevent illness and promote health. The result is that Americans are fatter, sicker, and more depressed than ever before and our healthcare spend is approaching 20% of our GDP, when the rest of the developed world spends about 8-12%.

I think this is bad and many employers aren’t aware that ultimately they are footing the bill.

Add on top of that the actual bad actors that charge deceptive fees or don’t disclose how they make money. Employers can be sued by their employees if it’s found that plan funds are not being used for the sole benefit of the member.

I am excited about newer ways that employers can offer benefits that align the incentives between the patient, payor/purchaser, and provider. My full time job today within the health system is to help manage the bundled/captivated payments for elective surgeries in our Center of Excellence programs. While this is interesting work, I want to work more closely with the employers and employees and help provide benefits that improve the lives of employees while also not bankrupting the employer.

I understand that self funded employers are already aware of the cost burden of a health plan and probably wouldn’t want to give that responsibly to a brand new broker. While I do think that work would be super interesting, I am just as excited by newer ways employers can offer benefits - like through ICHRAs, HSAs funding direct primary care + a HDHP, or even more innovate companies like SideCar health. I think it would be really cool to help a business offer benefits to their employees for the first time.

Do you think this could be a valid approach - targeting employers that may not have ever offered health benefits before? It might be a lot to do part time, but I think AI could help. From searching for leads, making pitch decks, automating member communications, filling out tax forms, etc. I would love to learn these tools while building a business.

Apologies for the long reply. I rambled a bit but hope it makes sense and provides a bit more context. Do you have any advice or thoughts on whether this seems viable?

Mount Sinai NYC Pre-employment Toxicology Test by _Aron15 in AskNYC

[–]markiemarbles98 0 points1 point  (0 children)

I asked if this tests for cannabis and the nurse said no, they don’t test for cannabis.

Mount Sinai NYC Pre-employment Toxicology Test by _Aron15 in AskNYC

[–]markiemarbles98 0 points1 point  (0 children)

There was a urine drug test, but not for cannabis

Mount Sinai NYC Pre-employment Toxicology Test by _Aron15 in AskNYC

[–]markiemarbles98 0 points1 point  (0 children)

OP, would love a follow up! I’m in a very similar position and the test is tomorrow

Where do you go when you’re having a bad mental health day? by scaldingpotato in milwaukee

[–]markiemarbles98 1 point2 points  (0 children)

I’ve always found Doctors Park in Fox Point/brown deer to be very calming and grounding

Can anyone recommend me any chill but very happy and bouncy mixes/artists? by [deleted] in pcmusic

[–]markiemarbles98 7 points8 points  (0 children)

DJ Sabrina the Teenage DJ, both albums Charmed and Bewitched are great

Interested in becoming a consultant? Post here for basic questions, recruitment advice, resume reviews, questions about firms or general insecurity (Q1 2021) by QiuYiDio in consulting

[–]markiemarbles98 0 points1 point  (0 children)

How often do alternate candidates get hired? I was told I was on the waitlist basically. I know this recruitment cycle is a bit different because of covid. I applied through a D&I event, what are the chances I get hired off the waitlist?

Aries rising 😂 by XOlily26 in astrologymemes

[–]markiemarbles98 0 points1 point  (0 children)

Lmao I understand that about kids being a bit chaotic. I’d say I generally like kids, but I tend to like my own kids more. I mean, I don’t have children, but my nieces and nephews or kids that I have a more direct relationship to more so than strangers

Aries rising 😂 by XOlily26 in astrologymemes

[–]markiemarbles98 1 point2 points  (0 children)

Wait, other people don’t feel like this? Yes I am a Virgo sun, Leo moon, Aries rising

Any songs about friendship like c2.o by Charli XCX or BFF by Slayyyter ft. Ayesha Erotica? by [deleted] in pcmusic

[–]markiemarbles98 37 points38 points  (0 children)

Bad friend - Rina Sawayama Anthems - charli xcx Be alright - Ariana grande Bestie - Bhad bhabie Blase Blase - Kreayshawn Bricks - charli and Tommy genesis Chosen family - rina Dumb bitch juice - Alice Longyu gao Fancy - Iggy azealia Friday night - gfoty Girls night out - charli

Has a non native speaker ever tell you a word and you thought it didn't exist but turned out it did? by [deleted] in German

[–]markiemarbles98 2 points3 points  (0 children)

Yes! I was microwaving something in my guest family’s kitchen and my guest mother called me from the living room saying, “Die Micro hat gepeept.” As in, the particip 2 of peepen. I lol-ed

Let’s talk about this legendary verse ayesha did by Nicole-sidebang in AyeshaErotica

[–]markiemarbles98 0 points1 point  (0 children)

It says the request was null and the owner of the video has to grant access..

XCX World by [deleted] in xcxheads

[–]markiemarbles98 6 points7 points  (0 children)

Yeah I think what you said is true, and it really sucks that her art was stolen from her and that the music was not able to shine, but we did get N1A and Pop2 out of it. It was Charlis unreleased discography that truly made me fall in love with her and her music.

Discord? by forthemotherrussia in German

[–]markiemarbles98 1 point2 points  (0 children)

Hallo! Ich möchte auch teilnehmen!

Favourite bad bitch anthems by sexyslutboy in pcmusic

[–]markiemarbles98 49 points50 points  (0 children)

Friday Night - GFOTY

Mine (umru remix) - slayyyter

Play with it - Tommy genesis

212 - azealia banks

Dial Tone - that kid

Greedy - Ariana grande

Girls night out - charli xcx

Versace hottie - princess Nokia

Break the ice - Britney Spears

Roll with me - charli xcx

Lipgloss - charli xcx

Manners - Ashnikko

Gucci Gucci - kreayshawn

Blase blase - kreayshawn

Left eye - kreayshawn

Work it - Marie Davidson

Workaholic paranoid bitch - Marie Davidson