• Skip to primary navigation
  • Skip to main content
Zinser Benefit Service

Zinser Benefit Service - Small Business Insurance

Individual Insurance, Group Insurance and Employee Benefits, small business insurance

Silver Oak Form CRS
  • About
  • Support
  • Services
  • FAQ
  • Request a Quote
  • Show Search
Hide Search

employee benefits program

Follow Up Post to The Cost of Health Care

Zinser · May 11, 2013 · Leave a Comment

As a Board Member of our Professional Association (Greater Louisville Association of Health Underwriters, or GLAHU) I’m currently Co-Chair of our Media Relations.  I try to submit something monthly, and especially when there is a major story on health care or health insurance.  I think I’ve had at least three in the paper over the course of my time (since 2008).   I had one get published on a Sunday (that’s the one that I received the most comments about, I think three people said something to me, all over the age of 60! Go figure…Ha Ha).

So, the process is when I see something, I send it to our National Association, and I ask them to put something together, or I work with them, but usually Kathryn at NAHU always gives me something great.

This morning I submitted the below editorial to the Courier-Journal.  I’ve had good luck in the past getting in, so let’s hope we get another one!

Dear Editor,

A recent article reported that hospitals across the country are charging “wildly varying amounts for common major medical care” (“Costs for same medical procedures vary widely at Louisville hospitals,” May 9). Even the director of the Center for Medicare and Medicaid Services, Jonathan Blum, questions the validity of the practice.

 

The healthcare law’s efforts to improve access to insurance are admirable, but the problem isn’t limited to the cost of health insurance. If we continue to ignore this “cost shifting” in hospitals as well as other pricing issues with pharmaceutical companies, healthcare equipment providers, medical malpractice suites and other causational factors, coverage will remain unaffordable. Addressing the system’s cost drivers is crucial to preventing that unfortunate outcome.

M. Zachary Zinser

Media Relations Co-Chair

Greater Louisville Association of Health Underwriters

 

The Cost of Health Care

Zinser · May 9, 2013 · Leave a Comment

On the front page of the Louisville Courier-Journal this morning (and the first story I heard this morning on CNN), the headline reads “The Cost of Health Care”.  Apparently hospitals try to make money, who knew?

In all seriousness, this is something that we’ve been talking to our clients about since 2003.  This is a huge problem that I’ve believed in for the last ten years.  Hopefully with this new published information, this will start us in the right direction in getting pricing out in public.  The medical industry is the only industry in the USA where you have no idea what something costs.  When you ask someone at the hospital/doctor’s office, you get a bewildered look, as in why are you asking, or how would I know?  It’s insane.  We as a society should have been demanding this time of open information for the last twenty years, it took the government to pass a over-reaching law to finally get this type of information.

Now, I could ramble on for the next twenty minutes about this, but I’m trying to keep it at a minimum.  I would like to know why hospitals charge what they charge.  Why does heart failure cost $10,000 at Baptist Hospital, but $16,000 at Norton’s?  What does that extra $6,000 get me?  Am I more likely to survive at Norton’s, or is it simply better food at Norton’s?

Here’s a link to the article:

http://www.courier-journal.com/article/20130508/BETTERLIFE05/305080118

Remember, especially for those with Health Savings Accounts, ask for a cost before having anything done to you.  You can do the same thing for prescriptions, call around to a few places before making a purchase.

Key Provisions of the Affordable Care Act

Zinser · February 11, 2013 · Leave a Comment

Below is a link to the U.S. Small Business  Administration Home Page.  The SBA does a good job of breaking down some of the key components of PPACA and how they apply based on the size of your business.

Let me know if you have any specific questions.

 

http://www.sba.gov/healthcare

COBRA Cheat Sheet

Zinser · February 5, 2013 · Leave a Comment

Below is something that I found that Conexis (a third-party administrator) has put together for employers that are subject to COBRA.  This is not to replace the value of a TPA, but can serve as some guidance.

COBRA Cheat Sheet

New 2013 FSA Maximum Contributions

Zinser · February 5, 2013 · Leave a Comment

Here is a press release from United Healthcare communicating the new annual contribution or election amount for health care Flexible Spending Accounts (FSA).

FSA Max 2013

  • « Go to Previous Page
  • Page 1
  • Page 2
  • Page 3
  • Page 4
  • Page 5
  • Go to Next Page »

Request a Quote

Call (502) 245-6674 for more information or Request a Quote online.

Zinser Benefit Service - Small Business Insurance

©2022 Zinser Benefit Service, Inc.
330 N. Evergreen Road, Suite 6
Louisville, Kentucky 40243
Phone: (502) 245-6674
Securities offered through Silver Oak Securities Inc. Member of FINRA / SIPC.
Zinser Benefit Service, Inc. and Silver Oak Securities, Inc. are not affiliated.
Check the background of this firm on FINRA's BrokerCheck.

  • About
  • Customer Support
  • FAQ
  • Request a Quote
  • Services
  • Silver Oak Form CRS