Group Benefits Industry News

February  2018
A Note from The FILCO Executive Team:
We are living in the Information Age and there has never been a better time for all people to have a virtual unlimited access to information on every possible topic. How often are your clients/prospects asking for your feedback on a subject that they were reading an article about in healthcare or employee benefits?  It is our opinion that these questions you are being asked during meetings serve two main purposes. One - your client/prospect wants you to know that they are knowledgeable on healthcare and that they spend time becoming more knowledgeable frequently. Two - they are testing you, your knowledge and how much of an expert you are in your industry.  Make sure you have signed up for our FILCO blog to stay up to date of all the latest news in our industry.  If you miss an article you can always visit our website for access to all our past blogs.

In This Issue
Carrier Highlights 
Empire BC/BS
Delta Dental
 Senior Care

Stay up to date on the latest industry news, FILCO has created an  industry blog; please feel free to comment and ask questions at our Blog Spot.  Follow the link for Q & A on Oxford's new Underwriting Rules for 2018 with FILCO sales representative David Arbeit.

Have a question or a topic you would like to be discussed on the blog email us at with your suugestions

Stay up to date with carrier deadlines and events!
 Idilus PEO Webinar
Thursday March 1st

FILCO Online Resources

Check out FILCO's  redesigned state of the art website!   
Plus much more

Capitol Conference 
Feb 26-28 at the Hyatt Regency, Washington, DC. Capitol Conference represents an unprecedented opportunity to present positive solutions that will contribute to a stable, competitive and efficient health insurance market. This is your chance to make sure our solutions are part of the mix. Register now and get the best possible price.

Great Reads

New York 
2018 Small Group Medical Plan Overview

Carrier Highlights 

UnitedHealthcare and Oxford:
Helpful guide comparing the plan changes due to AV calculations from 2017 to 2018:  Oxford New York Small Group 2017 vs 2018

Empire BC/BS: 
When presenting Empire Blue Cross Blue Shield to your clients remember that ALL 2018 small group plans include the National PPO Blue Card benefit outside NY.  Click here for details on how your clients can utilize benefits in other parts of the country.
Useful Information and forms on line:
Empire Broker Tool Kit 

Effective April 1, 2018 AmeriHealth will be introducing three new Small Group HSA plans. The new HSA Plans will 
provide more features to the already competitive HSA Plan portfolio. Two new EPO HSA 80% plans will be added to the Silver HSA portfolio, and an EPO HSA 90% plan with national access will be added to the Gold portfolio. These plans will be available with the option of plan year or calendar year.
PEO Update 

Oasis is offering a contest for the Broker that has the highest number of approved proposals submitted by/before March 31, 2018. The winning Broker will win a 2 night stay at the Marriot hotel of their choice! Who wouldn't love a weekend away? Please see the attached for the rules and regulations for this contest and submit any new prospective group to Colleen Visconti to make sure your upcoming prospects are registered for this contest at or 732-704-5079.

ADP's Total Source renewals are going to be released soon in anticipation of their June 1st renewal date. Insperity is prepared to win over this business by offering 18 month pricing for groups larger than 65+ employees! Remember, there are NO tax re-starts for groups that move PEO to PEO or new PEO business so now is a great time to look at Insperity as a viable solution for your client!

Idilus PEO is offering a NEW strategy for tri-state clients looking for a self-funded option through their money saving "Cost+" model. This is an innovative approach that can save your clients money and help you retain or promote new business! We are hosting a webinar on THURSDAY, MARCH 1ST at 10:00 a.m. for Idilus to explain how this new method can be a game changer for Brokers this year! You won't want to miss this!  Register Today!

Specialty  Update

UnitedHealthhcare Dental 
Groups of 2-100 New York and New Jersey 

5% rate cap guarantee on all new Dental sales all the way through....July effective dates!  

Are you on track to earn your 2018 Principal Broker Bonus?
FILCO's Non-Medical team can track your business and create a game plan for our brokers to qualify and maximum bonus dollars. 

Credit bonus calculation 
a minimum of $50,000 in new premium and 15 new sale credits are required to qualify. 

Credits bonus formula 
Bonus factor
first-year premium
Number of New Sale Credits 
Bonus Factor
First $50,000

Over $50,000
20-24 3.0% 2.0%
25-49 5.0% 3.0%
50 & up 6.0% 4.0%


Senior Care Update

Senior Care Update
Getting "F"ed when it comes to Medicare
When one enrolls into basic Medicare there are many plans and choices which can be overwhelming.  
Each person's need should be evaluated in determining the suitability of the plan.  Plan F is a very comprehensive/robust plan, and is not a one size fits all. 
In the event you are thinking to about getting an "F" we at FILCO want to make sure it is the best suited plan. 
In the past clients said "there were too many options so we just got "F"..ed".  We can help you find the right plan, and if it is Plan F, you can say I learned about all the alternatives and I decided I wanted to be "F...ed" 
Now is the time to register to sell Medicare, contact us at FILCO regarding Medicare. We will help to find the right plan for your clients. 
FILCO Senior Care Team
Cheryl Dickscheid:(646) 658-6921 |Michael Friedman:(347) 738-6846 | Howard Roth:(646) 658-6915


FILCO Technology

Ask your FILCO Team member today about FILCO's Technology free for all FILCO brokers!

Technology at our brokers fingertips to help you grow, support and manage your book of business!

Multi carrier small group quoting
New York and New Jersey
Agency Management System CRM
Carrier Forms
Underwriting Guidelines
Plus more, contact your FILCO team member today to set up a training session and get started!

"It's not about how hard you can hit; it's about how hard you can get hit and keep moving forward."
- Rocky Balboa,  Rocky V
Fiduciary Intermediary Ltd
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