Group Benefits Industry News

 May, 2017
A Note from The FILCO Executive Team:  
The House of Representatives passed the American Health Care Act (AHCA) Thursday, May 4th which Republicans are considering a big win, but the big question now is, where do we go from here?  One thing is for certain...the roller coaster ride will continue!  With all of America watching, the bill now faces a skeptical Senate, where we foresee more sweeping changes to take place.  By clicking this link, you will be brought to a summary page that notes the most important things employers need to know about the AHCA as it is written now.  The Senate has not officially scheduled a date when a vote will occur, but we will be sure to keep our producers posted with additional updates, changes and information that's important.

In This Issue
Carrier Highlights 
Horizon NJ
PEO Products
Specialty Department 
NAHU Update
Senior Care
Individual Coverage

Congratulations to STEVEN TOKOFSKY and DICKRAN KABARAJIAN who are the WINNERS of our drawing for METS and Yankees baseball tickets and $100 VISA gift card at the NYMAHU event! 

NJ AHU event May 15 - 17
 at Bally's Atlantic City. Grand Prizes, fun booths, CE credits, Oh my! What a great event, don't miss it!
Always stay up to date with the FILCO Monthly Calendar

FILCO Resources   

Still a few spaces left in FILCO's upcoming Senior Care Insurance Expo on 
Thursday, May 18th 
Location: 370 Lexington Avenue, NYC
5th Floor Conference Room

Representatives from Aetna, Unite dHealthcare,Globe Life Insurance Co. of NY, Humana and Empire Blue Cross Blue Shield of NY

FILCO Specialty CE Class and Pub Crawl

FILCO invites you to come have a fun night out on the town and meet our top Specialty carriers. Learn what's hot in the market while sipping on a cocktail. Let's mix a little business with pleasure!

Date: Wednesday May 24th.

Location: CE Class, FILCO's NY Conference Room, 370 Lexington Ave. Suite 512. NY, NY 10017. 

 Jim Cowie from Principal will be conducting the CE Classes.
The topics are:
1-2 pm Understanding Tax Implications (1 Credit)
2-3 pm Group DI Provisional Basic (1 Credit)
CE Time: 1pm - 3 pm (Total)

Bar Crawl to follow: You will have to register here for this event.
You must be registered to attend the CE Class and/or the Bar Crawl, you do not have to attend both. Please email Christa Wilson at if you have any questions.

*You must be 21 or older to attend. Please drink responsibly*

May Wellness
With Summer around the corner  it is important to be educated about how to safely enjoy the summer sunshine. 
Health Fitness Concepts is offering  10% on Skin Damage Assessment if booked before June 30th!

 Questions? Call:

Health Fitness Concepts, RN, LLC

Individual Health Plans
Do your clients need an individual health care plan?  With Oxford pulling out of the individual market, many clients will need to find alternative coverage options during open enrollment. You can now refer them to our individual website:  

Carrier Highlights 
UnitedHealthcare is adding more services for your clients from new preventive screenings to health and wellness discount programs.

Horizon NJ:
In effort to promote Horizon BCBS members to lead a healthy lifestyle, Horizon BCBS of NJ is offering members enrolled as individuals or small group plans a $40 CVS Pharmacy gift card for completing a health assessment in the comfort of their own home.  Click here for more details about this program and how your clients can take advantage of this opportunity.

Please see the attached 3rd Quarter 2017 rates 

Price discounts for employers of 2-24
employees that purchase 2 or more Guardian coverage .  Guardian's cross-sell discount can help your clients save time and money.
PEO Update

ADPTS is renewing ALL of their client's plans as of June 1st! This may be your LAST chance to provide another PEO quote for their consideration! Many of our PEO partners have offered to be very aggressive in their pricing to win over these clients!
Contact  Colleen Visconti FILCO's  knowledgeable PEO Sales Manager 732-704-5079.
Specialty Department 

Solstice Premium Bonus!
Contact FILCO Specialty Team to learn more about this opportunity.
  • Sell any case of any size and receive one-time bonus equal to one month premium on top of regular commissions!
  • No limit or caps to the bonus size 
  • No minimum group size to qualify
  • No Specific lines of coverage required
  • Earn bonus earnings now through October 1, 2017 effective dates
  • Sold groups must be in good standing for two months. The bonus is equal to the first month's paid premium, on top of commission paid. The bonus will be paid at the end of the second month.

Met Life
Multi-Product advantage for Small Business:
  • Eligible for Groups 10-99
  • Sell dental plus 2 other ancillary lines (voluntary included)
  • Earn an extra 1.5% lump sum payout of the annualized premium per eligible line 
  • 6% rate cap for Dental 
  • Click here for more details 
FILCO Specialty Team 
New Business:   Andrew Guarini: 732-704-5073 Renewal Clients: Christa Wilson: 732-704-5074
NAHU Update 

On May 4th by a vote of 217 to 213, the House of Representatives passed the American Healthcare Act.

Some notable provisions of the AHCA are:

- The Individual Mandate has been removed
- Dependent to 26 provisions will remain
- HSA Contribution limits have been increased
- FSA Limits have been eliminated
- Allows states to waive the requirements of the age ratio up to 5:1 and implement health status underwriting
- Delays the Cadillac Tax until 2025
- Allows over the counter medication to again be eligible for HSA expenses

The bill next moves to the Senate where, to say it faces an uncertain future is an understatement.

FILCO will continue to keep you informed as we learn more about the future of the AHCA.

Senior Care Update 

FILCO Spring Senior Care Expo

The Senior care insurance market is growing fast but keeping track of what is available to sell to your clients can be overwhelming. FILCO is here to help make it simpler. Join us on the morning of May 18th in our New York City location to meet the carrier representatives in person and learn more about the products they offer in our area. We will hear presentations from UnitedHealthcare, Aetna, Empire Blue Cross Blue Shield of NY, Humana and Globe Life Insurance Co. of NY. Seating is limited so register now !

UnitedHealthcare to Offer Medicare Supplement Plan G
Beginning this July, AARP UnitedHealthcare Medicare Supplement plans will now include Plan G in most states.  The main difference between Plan F and Plan G: Plan G does not cover the Medicare Part B deductible. Members will be responsible for the $183 deductible on a calendar year basis. The plan is priced competitively.  
FILCO Senior Care Team
Cheryl Dicksheid:(646) 658-6921 
Michael Friedman:(646)-658-6999  
Howard Roth:(646) 658-6915
"In every day, there are 1,440 minutes. That means we have 1,440 daily opportunities to make a positive impact."
  - Les Brown
Fiduciary Intermediary Ltd
NYC Office: (212) 972-1970 | NJ Office: (732) 219-6545 |  |