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... x No Thanks Loading.. Customer Service: Reality Check 4/30/2013 by CompleteMarkets Editor , Michael Manes This content has not been rated yet. CUSTOMER SERVICE: REALITY CHECK by Mike Manes Mike Manes presents a series of "episodes" that he observed in a single week while visiting his mother-in-law during a recent hospital visit. Each episode concludes with a common sense observation that defines reality and how it relates to Customer Service. Reality TV isn't real. In your daily reality, have you ever had the chance to choose a mate from dozens of "beautiful" people and win a million dollars in the process? Have you ever lived on a remote island for weeks for any reason? Did you ever feel the need to eat worms, skydive, or sit in a box filled with roaches? In today's world, this might be good TV — but it's not reality. Neither is Management 101: One of the first courses you take in business school. The concepts presented and the processes proposed make so much sense and appear so easy that you say, "I can do this." Then you graduate and try to apply these concepts in your office, store, plant, or warehouse. More often than not, the results don't parallel what you learned. Business courses offer great theory but are often far removed from reality. Remember MBWA (Management by Wandering Around)? Maybe it's time for business owners to learn RBWA — Reality by Wandering Around. Maybe it's time to forget the perfect world of academia, and fulfill what Max DePree calls the first ...

... you, the P/C agent, with a solid understanding of some basic Health insurance contracts and how to go about selling them. Brief History and Explanation To understand the multiplicity of Health insurance contracts available today, it helps to have a brief overview of how those contracts have developed and how they operate today. Over the years, many versions of Health insurance contracts have been created, used for a time, and made obsolete by the emergence of new, more modern versions. Plans have always attempted to extend their benefits to encompass ever-more sophisticated methods of medicine and its delivery. The earliest forms of individual Health insurance, introduced prior to 1910, were generally issued as an adjunct to Disability Income insurance and provided for a 50% to 100% increase in the monthly Disability benefit during hospital confinement. It was not really until the 1930s and the Depression years that a form of Health or Medical Expense insurance separate from Disability Income insurance became widely used. Since that time, forms have grown and adapted to the many types of treatment available. Group Health insurance has its origins with private insurance companies early in the 20th century, often appearing as a rider to Group Life and Disability Income contracts. But at that time, Health coverage was not considered a very desirable product by insurers, and very little was sold. The real impetus for the concept of Medical Expense coverage for groups of people came with the development of hospital service associations and medical service associations during the Depression era. These plans were originally designed to facilitate hospitals' collection of bills and protect their solvency, and ...

... The doctors and their locations varied over time, as we moved from Santa Monica, to Calabasas, to Thousand Oaks. The common factor among them, and the primary factor in our selection, was acceptance of our Health insurance. Each visit to a new doctor required completion of a "new patient" form and a description of our medical history and medication regimen. We finally put all of the information for each family member into a computer, so we could simply print it and bring it with us. We never really gave this much thought, since that was the way things were. However, I must admit that I did feel a certain level of inconvenience when filling out those forms! In 2005, we moved to Branson, MO. Skaggs Regional Medical Center is the only hospital actually in Branson, although there are several more in Springfield, which is only 30 miles away. Most of the doctors are certified at either Skaggs or one of the Springfield hospitals – and they all have remote group practice operations in the Branson area. Our family chose Skaggs as our hospital and selected physicians based on their connection to the hospital. At this point, our experience was similar to what we had experienced in California, in terms of arranging medical resources – ranging from heart specialists to family practice. However, we were soon to learn about a major difference and a much-appreciated convenience – and it all had to do with technology. At about the time that we moved here, Skaggs started implementing a massive, medical, community-wide computer system. ...

... costs. Properly operated, employee leasing can provide workers (at a fixed fee per time period or project) for generally longer periods than temporary help agencies. Employee leasing can be useful for projects that require a number of specialists who will not be needed after the project's end. One usual advantage of leased employees is that the cost of getting the job done through an outsource is less expensive than using common-law employees. A danger, however, occurs if the company providing the leased employees does not meet the tax or Workers' Comp obligations under the law. In this case, an employer utilizing leased employees may be liable for their taxes and benefits (including obligations under the Family Leave Act) . A recent IRS ruling exemplifies this confusion on the part of employers. Nurses supplied to a hospital by an outside firm were found to be working full-time on a schedule set by the hospital, were paid hourly by the hospital, and had no investment in their own equipment. The hospital required their attendance at an orientation before starting their job and could fire them. Of course, the ruling declared them to be hospital employees. The IRS said the hospital exercised enough control over the nurses to make them ineligible for the status of independent contractors or leased employees. TECHNICAL SERVICE SPECIALISTS This class includes computer specialists, engineers, and others acting through another company or on their own. Each of these types of employees is classified independently by the IRS under a special relief provision. STATUTORY EMPLOYEES (DISCUSSED AT LENGTH IN ARTICLE HOTLINKED ABOVE) Some types of salespeople are statutory employees, which means ...

... costs. Properly operated, employee leasing can provide workers (at a fixed fee per time period or project) for generally longer periods than temporary help agencies. Employee leasing can be useful for projects that require a number of specialists who will not be needed after the project's end. One usual advantage of leased employees is that the cost of getting the job done through an outsource is less expensive than using common-law employees. A danger, however, occurs if the company providing the leased employees does not meet the tax or Workers' Comp obligations under the law. In this case, an employer utilizing leased employees may be liable for their taxes and benefits (including obligations under the Family Leave Act) . A recent IRS ruling exemplifies this confusion on the part of employers. Nurses supplied to a hospital by an outside firm were found to be working full-time on a schedule set by the hospital, were paid hourly by the hospital, and had no investment in their own equipment. The hospital required their attendance at an orientation before starting their job and could fire them. Of course, the ruling declared them to be hospital employees. The IRS said the hospital exercised enough control over the nurses to make them ineligible for the status of independent contractors or leased employees. TECHNICAL SERVICE SPECIALISTS This class includes computer specialists, engineers, and others acting through another company or on their own. Each of these types of employees is classified independently by the IRS under a special relief provision. STATUTORY EMPLOYEES (DISCUSSED AT LENGTH IN ARTICLE HOTLINKED ABOVE) Some types of salespeople are statutory employees, which means ...

... you, the P/C agent, with a solid understanding of some basic Health insurance contracts and how to go about selling them. Brief History and Explanation To understand the multiplicity of Health insurance contracts available today, it helps to have a brief overview of how those contracts have developed and how they operate today. Over the years, many versions of Health insurance contracts have been created, used for a time, and made obsolete by the emergence of new, more modern versions. Plans have always attempted to extend their benefits to encompass ever-more sophisticated methods of medicine and its delivery. The earliest forms of individual Health insurance, introduced prior to 1910, were generally issued as an adjunct to Disability Income insurance and provided for a 50% to 100% increase in the monthly Disability benefit during hospital confinement. It was not really until the 1930s and the Depression years that a form of Health or Medical Expense insurance separate from Disability Income insurance became widely used. Since that time, forms have grown and adapted to the many types of treatment available. Group Health insurance has its origins with private insurance companies early in the 20th century, often appearing as a rider to Group Life and Disability Income contracts. But at that time, Health coverage was not considered a very desirable product by insurers, and very little was sold. The real impetus for the concept of Medical Expense coverage for groups of people came with the development of hospital service associations and medical service associations during the Depression era. These plans were originally designed to facilitate hospitals' collection of bills and protect their solvency, and ...

... Photos Reviews Newsletters x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. Marindependent Insurance Services LLC 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All hospital cash policies Articles tagged with hospital cash policies Back Sample: Agency Business Plan This content has not been rated yet. CompleteMarkets Editor 10/26/2018 12:00:00 AM SAMPLE AGENCY BUSINESS PLAN All Articles by CompleteMarkets Editor Comments (0 ) x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. Rodgers & Associates Insurance, Inc. 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All hospital cash policies Articles tagged with hospital cash policies Back Sample: Agency Business Plan This content has not been rated yet. CompleteMarkets Editor 10/26/2018 12:00:00 AM SAMPLE AGENCY BUSINESS PLAN All Articles by CompleteMarkets Editor Comments (0 ) x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... Followers Photos Reviews Newsletters x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. Scurich Insurance Services 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us contact_phone Click to call Unfollow First name: Last name: Email: Are you sure you want to deactivate your CompleteMarkets Company Profile Deactivate Cancel Loading.. About Us Services Jobs PR Newsletters Employees Articles Blog Photos Group Connections Reviews Member Content Member Content - Content Package Categories Popular Recent All hospital cash policies Articles tagged with hospital cash policies Back Sample: Agency Business Plan This content has not been rated yet. CompleteMarkets Editor 10/26/2018 12:00:00 AM SAMPLE AGENCY BUSINESS PLAN All Articles by CompleteMarkets Editor Comments (0 ) x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... Connections Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back A Christmas Contribution 4/30/2013 10:38:40 PM by CompleteMarkets Editor This content has not been rated yet. A CHRISTMAS CONTRIBUTION Clients appreciate receiving Christmas cards and letters. It's nice to know that someone out there cares and wants to be remembered. Several years ago, IMMS received a memorable Christmas letter from Consumer Marketing Inc. of Los Angeles, reproduced below. Your agency's favorite charity might be a children's hospital, the Salvation Army, a homeless shelter, or any of the thousands of other charities that need help. So this year, why not make a donation to a charity in your clients' names, then send a similar letter? Your clients will remember you. Dear (Customer Name), CHRISTMAS IS FOR KIDS! With this in mind, as in years past, we thought we would do something that would have a lasting benefit for children who are not as fortunate as we are during the holiday season. Since the Children's Hospital of Los Angeles has special needs at this time of year, we have made a contribution in your name to Children's Hospital so that the kids there might have a more enjoyable Christmas. We at Consumer Marketing thank you for helping to make this ...