Rachel Honoway

From Star Trek to streamlining our agency—AI can be your secret weapon! 🚀 My dad, Brian Bartosh's journey with technology began at a young age. He convinced my Grandpa in the early 80's that Top O'​ Michigan Insurance Solutions - TOMIA247 could use automation as a way to support the efforts of the agency. "Even before PCs became ubiquitous, he recognized that there were functions that a computer could perform better and faster than a human, allowing staff members at the agency to spend more time on providing better service to clients." - The Rough Notes Company, Inc. So when I showed him the power of some new AI tools, he dove right in. This was reminiscent of scenes from Star Trek for him. It has transformed how we communicate, automate, and free up time of our team to interact directly with clients, allowing for a better client experience. Curious how AI could reshape your business too? Check out his insights below. 👇 #AIRevolution #InsurTech #AgencyInnovation #Insurance #IndependentAgency #AI

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There are electronic medical records (EMRs) and electronic health records (EHRs). Learn the difference. https://ow.ly/pLno30sCLGu #EMR #EHR #DigitalHealth

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Are you already with a premier carrier in the market like The Cincinnati Insurance Companies, PURE Insurance, or Berkley One (a Berkley Company)? That's great news! You're ahead of 75% of affluent families who are still with mass market carriers. But let's take it a step further—how would you rate your broker's service model? At many large brokers, the person who helped you set up your program may never speak to you again. Depending on your account size, you might be routed to internal service centers or carrier service centers for assistance. Proper coverage for your risks is only half the battle. Who ensures that your coverage remains appropriate year after year? Does your broker provide a thorough annual review? Are they easy to reach? At Prizm Insurance, our commitment doesn't end after the sale. We offer white-glove concierge service for as long as you're a client. It's not just about getting covered properly; it's about staying covered properly. If you're frustrated with your current service, reach out to us—we can help. At Prizm, we combine advanced technology with traditional communication methods to deliver the most robust service model in the high-net-worth insurance market. #service #insurance #tech

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Stumbled across this really cool article from KFF highlighting the significant changes that have been happening in the Medicare space. Costs will continue to rise as more people age-in and skew older in general. Maintaining a hold on costs from customer acquisition through to Medicare spending are critical for carriers & distributors to remain on the positive side of profitability. https://lnkd.in/eat45wsp #kff #medicare #medicareadvantage

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Exciting news insurance billers! 📊💰 Lightning Step Technologies releases their new Denials Report this October. 📋 Organized Data: No more spreadsheet nightmares or missed denials. 🔎 Custom Filters: Search by date, location, payor, and more. 📅 Denials Timeline: Get a clear view of current and historical denials, all in one place. 💽 Easy Access: Plus, access impacted accounts directly from the report. It's your billing team's revenue cycle superpower! Boost your reimbursements and level up your denial management in October. #LightningStep #BehavioralHealth #HealthcareManagement #RCM #RevenueCycleManagement

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Unlock the Top 3 Strategies for Maximizing Medicare Lead Conversions This AEP! 📈 We are a couple weeks in to #AEP, and the competition is fierce. To help health insurance agents and agencies stay ahead, we’ve put together a comprehensive white paper: “Maximizing Medicare Conversions During AEP.” 💡 Why read this? Get actionable insights to reduce wasted spend, improve engagement, and increase your ROI during this critical season. 👉 Ready to maximize your AEP results? Download our white paper today and empower your team with the strategies to succeed. 🔗 ➡️ https://hubs.ly/Q02XznQK0 #MedicareMarketing #AEP2024 #HealthInsuranceAgents #LeadGeneration #AdsyncMedia #InboundCalls #CallOptimization

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The Midwest Business Group on Health released new survey results from their members. Their members are saying what most employers are- 🎯 "The most significant threats to the affordability of employer-provided care are drug prices (98%)..." 🎯 "...half said that they are considering changing their PBM vendor in the next 1-3 years due to concerns about #cost and #transparency" Employers shouldn't have to figure out better drug prices or changing #PBM vendors alone. That is where Innovative Rx Strategies and our pharmacists and account executives come in. This is the perfect time to start planning on assessments and changes for the future! Reach out today to talk more! #PharmacyBenefits #Pharmacists https://lnkd.in/geQ8Ydb4

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Did you know that your health is closely tied to the health of your community? At #ElevanceHealth, we partner locally to improve the health of those we serve. Learn more. https://ow.ly/2LCz30sEZ8r

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CMS released their WCMSA statistics for the 3rd time, we took a look at the data and also explored some of the implications with the upcoming April 2025 regulations coming next year.

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Open Enrollment Period is upon us. If you live in Michigan, consider Priority Health. I hear they have an excellent team of trained professionals to help you in selecting one of their plans. 🤩 https://lnkd.in/g5BWa2yc Priority Health #ACAInsurance #MarketplaceInsurance #IndividualInsurance

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Benefit Professionals…. Wondering why direct contracting is so powerful to help control costs? Take a look at claims data and see what the average paid claim including member cost share is for a cardiac ct calcium score? I bet it’s a heck of a lot higher than $99 and thanks to the team at Green Imaging for helping set this up for me.

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Recent Wisconsin Health News published Wisconsin's health insurance market data. The findings indicate a strong performance among insurers in the region. Below, you'll find an overview of key players, their enrollment figures, and profit margins, providing a snapshot of the current landscape. Anthem Blue Cross Blue Shield of Wisconsin Enrollment: 478,245 Profit Margin: 13.5% Dean Health Plan Enrollment: 254,397 Profit Margin: 2.1% Group Health Cooperative of South-Central Wisconsin Enrollment: 73,285 Profit Margin: 2.9% Network Health Plan Enrollment: 90,831 Profit Margin: 8.3% Quartz (Unity) Enrollment: 252,063 Profit Margin: 0.8% UnitedHealthcare Enrollment: 1,122,375 Profit Margin: 6.6% Wisconsin Physicians Service Insurance Corp. Enrollment: 91,289 Profit Margin: 4.4% These data points indicate they can adapt and grow, and it will be interesting to observe their strategies moving forward and increases groups will face. #WisconsinInsurance #Healthcare #ProfitMargins #Enrollment #InsuranceIndustryInsights #physicians #medicine #practicemanagers

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Every year, employers face the same health plan cycle: higher costs, reduced benefits, frustrated employees. But what if we stopped accepting this as normal? One effective way to lower your health insurance costs and improve your benefits is with direct contracting. Here’s what we’re doing in SW Michigan: We’re creating a new network of providers via direct contracting, which is helping our clients receive direct access to high-quality, lower-cost local providers. When employees utilize this network, they don’t pay anything out of pocket. Our clients have seen the positive impact direct contracting can have on their costs, coverage, and overall culture. If you’d like to learn more, visit our website: https://lnkd.in/gEkHgvpn #HealthcareInnovation #EmployeeBenefits #DirectContracting

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𝐒𝐞𝐧𝐢𝐨𝐫 𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐌𝐚𝐫𝐤𝐞𝐭 𝐭𝐨 𝐒𝐞𝐞 𝐌𝐚𝐬𝐬𝐢𝐯𝐞 𝐆𝐫𝐨𝐰𝐭𝐡 𝐛𝐲 𝟐𝟎𝟑𝟎 𝗥𝗲𝗾𝘂𝗲𝘀𝘁 𝗙𝗼𝗿 𝗦𝗮𝗺𝗽𝗹𝗲 𝗟𝗶𝗻𝗸 𝗥𝗲𝗽𝗼𝗿𝘁:https://lnkd.in/g6Phtu_U Market Intellix (MI) published a new report, titled, "Senior Health Insurance Market." The report offers an extensive analysis of key growth strategies, drivers, opportunities, key segments, Porter's Five Forces analysis, and competitive landscape. This study is a helpful source of information for market players, investors, VPs, stakeholders, and new entrants to gain a thorough understanding of the industry and determine steps to be taken to gain a competitive advantage. #𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 • 𝗚𝗿𝗼𝘄𝗶𝗻𝗴 𝗦𝗲𝗻𝗶𝗼𝗿 𝗣𝗼𝗽𝘂𝗹𝗮𝘁𝗶𝗼𝗻: The global population of seniors is rapidly increasing, particularly in developed countries, presenting a significant opportunity for growth in the senior health insurance market. • 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝘃𝗲 𝗣𝗹𝗮𝗻 𝗢𝗳𝗳𝗲𝗿𝗶𝗻𝗴𝘀: There is an opportunity to develop innovative insurance plans that cater to the specific needs of seniors, such as long-term care insurance, critical illness coverage, and plans with wellness programs. • 𝗘𝘅𝗽𝗮𝗻𝘀𝗶𝗼𝗻 𝗶𝗻 𝗘𝗺𝗲𝗿𝗴𝗶𝗻𝗴 𝗠𝗮𝗿𝗸𝗲𝘁𝘀: Emerging markets, particularly in Asia and Latin America, are experiencing a rise in the senior population, creating opportunities for insurers to expand their offerings in these regions. • 𝗘𝗻𝗵𝗮𝗻𝗰𝗲𝗱 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻: There is an opportunity to improve customer education and awareness about the benefits of different senior health insurance plans, helping seniors make informed choices. 𝗧𝗵𝗶𝘀 𝗿𝗲𝗽𝗼𝗿𝘁 𝗶𝗻𝗰𝗹𝘂𝗱𝗲𝘀 𝘁𝗵𝗲 𝗳𝗼𝗹𝗹𝗼𝘄𝗶𝗻𝗴 𝗺𝗮𝗻𝘂𝗳𝗮𝗰𝘁𝘂𝗿𝗲𝗿𝘀 • Berkshire Hathaway • Prudential plc • Zurich Insurance • China Life Insurance Co.Ltd • Allstate • AIG • Manulife Financial Advisers Pte Ltd • AXA • Allianz • Aviva • Japan Post Holdings Co., Ltd. • Generali • Chubb • Reliance Nippon Life Insurance • CPIC • Munich Re • MetLife 𝗞𝗲𝘆 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀: • The report provides a qualitative and quantitative analysis of the current Senior Health Insurance market trends, forecasts, and market size from 2019 to 2026 to determine new opportunities. • Porter's Five Forces analysis highlights the potency of buyers and suppliers to enable stakeholders to make strategic business decisions and determine the level of competition in the industry. • Top impacting factors & major investment pockets are highlighted in the research. • The major countries in each region are analyzed and their revenue contribution is mentioned. #SeniorHealth #HealthInsurance #Medicare #SeniorCare #ElderCare #MedicareAdvantage #MedicareSupplement #LongTermCare #SeniorLiving #RetirementPlanning #SeniorBenefits #AgingPopulation #HealthcareForSeniors #SeniorWellness #AffordableCare Market intelliX Global Trends & Analysis

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Smart health plans don't make you choose between employee care and company costs. When you focus on what matters, everyone wins. At 5G Benefits, we're helping Wisconsin employers build health plans that work smarter, not harder. Want to see how? Email [email protected] #employeebenefits #healthcarecosts #wisconsinbusiness

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Chronic conditions are the leading driver of U.S. healthcare spending and mortality rates but leveraging advanced analytics could help reduce health spending by $500-750B. Learn more about how data-driven insights can support for employee health and increase healthcare affordability in this article. #healthcare #data #employeewellbeing https://ow.ly/6Uir30sBToz

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Expand Your Portfolio with ACA: The Smart Move for Insurance Agents!! Adding ACA (Affordable Care Act) plans to your portfolio is one of the best decisions you can make for your business. Here’s why: 1️⃣ Build Future Medicare Clients Every ACA enrollee will turn 65 at some point, creating a pipeline of future Medicare clients. Start building relationships now and set yourself up for long-term success. 2️⃣ Boost Residual Income ACA plans offer an additional stream of residual income that complements your Medicare renewals. It’s the perfect way to diversify and grow your earnings. 3️⃣ Cross-Selling Opportunities ACA clients often need other products like dental, vision, hospital indemnity, or life insurance. And if they have a spouse over 65 while they’re under 65? You can serve both! 4️⃣ Adaptability and Reach With coverage from over 20 ACA carriers, we offer unparalleled flexibility to serve clients wherever you market. 📌 Here’s a breakdown of the carriers we offer and their state availability: Aetna CVS: AL, AZ, CA, CO, DE, FL, GA, IN, KY, ME, MD, MI, MO, NC, NE, NV, NH, OH, SC, TN, TX, VA. Ambetter: AZ, AR, CA, CO, FL, GA, IN, KS, KY, LA, MO, MS, NC, NV, SC, TX, WA. Amerihealth Caritas: DE, MD, NJ, PA. Anthem BCBS: CO, GA, IN, KY, MO, NV, OH, VA, WI. BCBS NE: NE. BCBS SC: SC. BCBS MI: MI. BCBS TX: TX. CareSource: GA, IN, KY, OH. CHRISTUS Health Plan: TX. Cigna: AZ, CO, FL, GA, KS, MO, MS, NC, TN, TX, VA. Health First: FL. Medica: KS, NE, WI. Molina: CA, FL, MI, MS, NM, TX, UT, WA, WI. Oscar: AZ, CA, FL, GA, MI, MO, NC, OH, TX, VA. Priority Health: MI. UnitedHealthcare (UHC): AL, AZ, FL, GA, IL, IN, KY, LA, MI, MS, NC, OH, SC, TN, TX, VA. Wellpoint: AZ, FL, GA, IN, KY, NV, OH, TX, VA. …and more! If you’re ready to add ACA to your portfolio, take advantage of these opportunities and see how it can transform your business. 📞 Call me at (727)-888-7189 📧 Email: [email protected] Let’s work together to grow your business and make 2025 your best year yet!

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A great article with a supporting white paper on the current state of the Medicare Supplement market and pricing strategies.

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IT'S SHOWTIME! (As in show me your MA benefits 😀) What a week. CMS released the new benefit plans last Tuesday and HealthworksAI had the data loaded, parsed and available in our MarketIntel solution on Friday. We deliver competitive insights within 48 hours of the data being available. This gives our clients the competitive advantage they need to jump start their AEP communications, but it also officially starts the 2026 product development cycle. Our customers typically grow 3Xs faster than the market when armed with the insights and speed that we deliver. According to them, the time and efficiencies we provide during AEP cut their analysis time by 50%+ so they can focus on other strategic priorities.

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