Newest Cost Savings Technique: “Fully Insured HRA’s”

  As you know, Chelten Benefits Groupspecializes in Medical GAP insurance, serving as GA for several GAP Carriers.   Today, Chelten Benefits Group is offering a NEW concept in alternative health premium funding:  Fully Insured HRA’s.    If you were reluctant to sell GAP insurance but wanted a better alternative for your clients than no commissionable [...]

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FREE GAS… FOREVER!

  Firm offers $100 gas card for every 25 lives enrolled with medical “GAP” coverage   $4 per gallon!  Can you believe it?  Wasn’t it just this time last year we were paying $2.75 for gas?   Business expenses are rising for everyone these days.  Being health insurance agents, you know how rising health insurance [...]

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Michigan Township saves $373,939.20 with POS + GAP plan combo

  MI Township Employee Health Plan Saves $373,929.20 with POS + GAP Plans   “May you live in interesting times” Chinese proverb/curse   These are truly “interesting” times we live in today.  Combine a nationwide recession with scary unemployment numbers; throw in historic bankruptcy and foreclosure figures on top of  $4.00 per gallon gasoline and it’s [...]

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Medical “GAP” Insurance : Public Employee Budget Solution!

  Medical “GAP” Insurance: “Sensible Solution”  solves Public Employee Health Cost Crisis    Expert suggests creative GAP technique as “alternative NO COST plan” to “20% cost sharing“ public employee option. AN OPEN EMAIL TO ELECTED LEADERS, PUBLIC OFFICIALS, INSURANCE AGENTS, TAXPAYERS AND UNION REPRESENTATIVES :   My name is Dick Chelten, CLU, ChFC, RHU.  My Michigan based firm, [...]

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GAP medical Insurance: your best solution now!

PRESS RELEASE September 13, 2010 For Immediate Release Contact: Dick Chelten 248-464-6544 Chelten Benefits Group New Supplemental Medical GAP Insurance Cuts Costs, Improves Employee Benefits   Supplemental Medical GAP insurance products can save Employers premium dollars while providing 1st dollar benefits without changing insurance carriers. FOR IMMEDIATE RELEASE PRLog (Press Release) - September 13, 2010  Beverly [...]

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AFLAC partnership idea

“If you knew when you were going to die, what would you do?” Experts predict that by 2014, many health insurance agents will literally be put out of business…”dead as doornails”.     While some are praying that National Health Reform will be overturned after this November’s elections, most agents are preparing for the worst:  [...]

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Wrapping is quickest way to a pay cut

  “Wrapping” Quickest way to give yourself a pay cut!   Expert claims Medical “GAP” Insurance PAYS BIG to Agents, Employers and Employees       Health Insurance premiums continue to rise.   Agents and Employers are running out of ways to offset annual double digit increases.   Traditional cost savings options (e.g. changing Insurance carriers, changing [...]

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How GAP medical insurance can solve your tough 2011 renewals while earning you more commission!

  I received a call from a frantic health insurance broker who told me he was out of renewal options for 2011 on a 23 man client he had had for 10 years.   Over that period, he had been “wrapping a $1500 deductible plan down to a $100 deductible version.   This year, his client was [...]

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Medical “GAP” Insurance: “Sensible” Solution to Michigan Budget Crisis

  Medical “GAP” Insurance: “Sensible” Solution to Michigan Budget Crisis    Expert suggests Agents learn Cost Saving GAP technique-perfect for Michigan’s tough economy      SNYDER: “STATE PAY OUT OF LINE” and “TREASURER’S OFFICE TO TRAIN FINANCE MANAGERS” February 1, 2011 Detroit Free Press    These two headlines splashed across the Detroit Free Press the [...]

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Medical “GAP” Insurance Saves 85 Life Group for Agent

  In early December, we visited a veteran Health Insurance agent who was just finding out that an 85 life group he represented was being pulled back into its National HQ corporate major medical program because the Michigan operation had recently received a 50% increase!  I don’t need to tell you that he was bummed [...]

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Will National Health Reform Limit Health Insurance Agents To Selling Supplemental GAP Insurance?

Employee Benefits Consultant anticipates “Single Payer” scenario and increased sales of Supplemental “GAP” Insurance policies. ..just like Medicare. PRLog (Press Release) – Aug 13, 2010 – Detroit, Michigan August 13, 2010 Dick Chelten, owner of Michigan-based Chelten Benefits Group, predicts National Health Reform will end up operating looking like Medicare. “Many experts anticipate scores of [...]

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New Supplemental Medical GAP Insurance Cuts Costs, Improves Employee Benefits

Supplemental Medical GAP insurance products are now available saving Employers premium dollars while providing 1st dollar benefits without changing insurance carriers. Great answer to current health insurance crisis. FOR IMMEDIATE RELEASE PRLog (Press Release) – Jul 27, 2010 – July 27, 2010 Beverly Hills, MI Michigan based Chelten Benefits Group, a leader in health insurance [...]

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