1. Best Time to Prepare
2. People REALLY Don't Know What IHOP Means???
3. IIAV Young Agents Hold Next Social at Circuit
4. Top Causes for high-dollar workers' comp claims
5. Internships 2018 Special

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Recently I’ve seen some ads that IHOP was changing their name to IHOb which I thought was pretty dumb. Why play with an iconic brand that everyone knows what it means? Of course, it was only a gimmick to underscore that IHOP has some “pretty good” burgers … so good in fact that they should change their name. HA HA! Funny, but obviously they would never do such a thing.

Many people have a misconception of how out-of-network health insurance benefits work. While having out-of-network benefits is a good feature, the most important feature of provider networks is knowing the number of in-network participating providers your health insurer has. When using out-of-network benefits the consumer is commonly forced to pay a “balance bill” from their provider. A balance bill is the difference between what a provider charges a patient and what the insurance company reimburses the out-of-network provider as an allowable charge. This difference can sometimes be in the thousands of dollars. On the contrary, when a patient visits an in-network provider, the provider is bound to accept the insurance carrier’s allowable reimbursement limit, and therefore the patient is not faced with a balance bill. Buyer beware, it’s important to know your health insurance carrier’s network of participating providers.

Questions? Contact Monty Dise, President
Asset Protection Group, Inc.
mdise@apgroupin.com
804-423-7700

How to capture anything on your screen with Snagit! Snagit screen capture software has been part of my toolkit for longer than I can remember. When I was looking through past TechTips, I realized I’ve never written about it.

The 2018 Atlantic Hurricane Season officially began on June 1 and we have already experienced one named cyclone in what is expected to be a very active season which runs through Nov. 30.

Q: We have a new intern – the daughter of one of the owners. It’s an unpaid internship, but I thought those were illegal. Should we be paying her for the work she performs?

High-dollar workers’ compensation claims are rare, but they can be extremely costly and have a significant impact on an employer’s workers’ compensation costs. The rarity of these claims makes studying them challenging. Safety National recently completed a review of our large claims and uncovered the following trends.

The Circuit is a new arcade bar in Richmond with over 70 throwback arcade cabinets, pinball machines, and sports games from the past. With a pay-per-ounce system, you will be able to pour as little or as much of anything as you want. This is a great place to network with others in the industry and those from like industries. Everyone is welcome, you don't have to be a young agent to attend, and it's FREE! We just ask that you RSVP. 

We are excited to hear that many of you are hiring interns this summer! 

We would like to help. The Introduction to Insurance Basics online learning is a great way for interns to learn about the industry and how insurance works. It’s only $80 and for any purchases up until July 6, we will include a free Business Skills Essentials Webinar! When filing out the registration form, just include the word ‘intern’ after your company name. We will schedule your intern for the webinar once you have purchased the Introduction to Insurance bundle.