A recent discussion explored the common reasons businesses fail, focusing on the lack of strategic planning and the failure to adapt to new technologies. Many companies struggle due to ineffective sales and marketing strategies, resistance to change, and a failure to address legal and compliance issues. The importance of having a solid benefits pro…

The emphasis was on how the real challenge lies in the preparation, not the event itself. In business, this translates to proper planning, consistent effort, and focusing on the right activities to achieve long-term success. Sales teams, for instance, are encouraged to increase their meeting volumes and prioritize quality actions that drive results…

Despite increasing premiums, many employers are hesitant to change their plans, with a survey showing that 87% of employers remain satisfied with their current coverage. Smaller companies are particularly vulnerable to significant cost increases, often needing more resources to manage healthcare benefits or adjust to these rising expenses proactive…

A recent discussion highlighted the risks of cutting corners in both business and health insurance, drawing a parallel to a tragic scuba diving story from The Last Dive by Bernie Chowdhury. The story emphasized how cost-saving measures, such as using compressed air instead of mixed gas with helium, led to fatal consequences. This served as a cautio…

Small and mid-sized companies often complicate their health insurance programs, leading to inefficiencies and frustration. Sometimes, companies need to change their approach to achieve their goals. The conversation emphasized the importance of evaluating renewals early, exploring cost-saving opportunities like switching carriers that provide claims…

Taking examples from the NHL and MLB, where rule changes improved efficiency and game outcomes, the conversation drew parallels to the evolution of health insurance. Historical shifts like tax breaks after World War II led to the rise of PPOs and HMOs, and more recently, strategies such as Health Reimbursement Arrangements (HRAs) and Individual Cov…

Businesses that fail to evolve, such as Kodak, suffer the consequences, while those that embrace innovation thrive. The evolution of scuba diving is also mentioned, illustrating how technological advancements, such as the move from deep air diving to mixed gas diving, improved safety, and efficiency. The conversation then shifts to healthcare, expl…

There are growing concerns among CFOs regarding the unpredictability of healthcare costs, with 72% finding these expenses more volatile than others. Despite their increasing involvement in cost discussions, many CFOs are hesitant to invest time in fully understanding and controlling these costs. The conversation emphasizes the need for innovative a…

Purpose-Driven Success and Business Strategies In a recent discussion, the importance of drive and purpose in achieving success was emphasized, using personal examples like reading goals and running achievements to illustrate how consistent effort and persistence can lead to significant outcomes. Financial challenges faced by small businesses were …

In this episode, the discussion centers on the complexities of the health insurance landscape, especially for small and mid-sized businesses. The conversation delves into the critical need for greater transparency and accountability in the industry. A key point is the importance of identifying flaws within health insurance programs and how consolid…

There are parallels between the importance of proper planning and managing an employee benefit program effectively for your company. Scuba divers prioritize safety and must be equipped with the right tools. Employers should reassess their benefit packages, leveraging data-driven approaches to understand cost structures and explore innovative soluti…

This episode explores the challenges of entrepreneurship and business ownership, emphasizing the critical traits of adaptability, resilience, and taking calculated risks. The discussion is enriched with personal anecdotes, shedding light on the problem-solving and adaptability required in various situations, such as maintaining complex systems. The…

In this episode, we explore the complexities of managing healthcare costs and expectations within the US, focusing on strategies CFOs can implement to gain better control over expenses. Our guest highlights the importance of having a proactive approach, including regularly checking cost trends and working closely with benefits advisors to analyze c…

In this episode, Butch Zemar dives into the complexities of the healthcare system, highlighting the lack of transparency and the misalignment between brokers and insurance companies. He underscores the significance of patient advocacy programs, urging employers to invest in these initiatives to help employees navigate the healthcare system more eff…

Butch Zemar dives into his scuba diving adventures, sharing valuable insights on pushing beyond basic skills and dealing with unexpected equipment malfunctions. Emphasizing the importance of proper training, safety protocols, and teamwork, recounting several challenging dives, including a leaking mask in 38-degree water on a sunken car ferry and a …

In this episode, Butch Zemar delves into his expertise in electronics troubleshooting, problem-solving, and benefits program management. He underscores the significance of intuition, experience, and creative thinking in identifying and resolving issues. Entrepreneurs often encounter the same hurdles in decision-making and problem-solving when offer…

In this episode, Butch Zemar shares his unpredictable and challenging experiences in the Navy, including his service on the USS Constellation. He discusses the pros and cons of partnering with a Professional Employer Organization (PEO) for HR outsourcing, highlighting benefits like cost savings, streamlined processes, and access to a larger employe…

The recent podcast episode explored various topics centered around fatherhood, fitness, and personal wellness. Jason Priest opened up about his own journey, discussing how overcoming addiction and depression led him to a newfound purpose in helping others—a lifestyle program tailored specifically for men, focusing on fat loss and sleep improvement.…

In this episode, Butch Zemar delves into the crucial role of data in decision-making processes across various industries, drawing from his diverse experiences in the military and the tech industry. He underscores the importance of leveraging data to inform strategic decisions while acknowledging the potential pitfalls of relying solely on data, suc…

Butch Zemar and special guest Alex Toler take listeners on a deep dive into the often-overlooked realm of risk management within the employee benefits industry. Drawing from Alex's extensive property and casualty insurance background, the conversation illuminates the critical need for effective risk management practices in safeguarding employees' h…

In this episode, the discussion revolves around the challenges inherent in the American healthcare system, as Butch Zemar critiques its structure and operations. The conversation touches upon various issues, including rising costs, affordability, and fraudulent billing practices, shedding light on the systemic flaws perpetuating these problems. The…

In the latest podcast, Butch Zemar tackles the ever-evolving landscape of Human Resources (HR) in small and mid-sized companies, shedding light on the intricacies of adapting to external factors like the Affordable Care Act while navigating shifting client demands and ethical considerations. The episode begins with Butch delving into the transforma…

In this episode, Butch Zemar explores the importance of leveraging technology and implementing cost-containment strategies in the healthcare industry, particularly for middle-market companies. He emphasizes the need to embrace automation in benefits enrollment, ensure accuracy, and prioritize HR and benefits compliance. Here's a breakdown of the di…

In this episode, Butch Zemar reflects on the significance of support roles in the military and the challenges military veterans encounter during their transition to the civilian workforce. He emphasizes the importance of discipline, teamwork, and support in both military and civilian contexts. Here are the key points discussed: Introduction: Butch …

In this episode, Butch Zemar delves into the intricate dynamics of the broker-employer relationship in managing employee benefits. He addresses common misconceptions among employers regarding the role of brokers and emphasizes the significance of clear communication and understanding of responsibilities throughout the year. Here are the key insight…

In this episode, Butch Zemar dives into the pressing challenges faced by midsize companies in managing healthcare costs and benefits. He sheds light on crucial strategies and proactive approaches that can help mitigate these challenges and drive cost-effective solutions. Here are the key takeaways: Introduction: Exploring the complexities of managi…

Kate Dileo is no stranger to us on the podcast and marketing of your company's brand. Success is achieved by adopting methodologies that are the least resistant to revenue. Listen in to Kate as she shares more on the Brand Trifecta, your playbook, and how you can gain access to her program at your own pace. For more information about the Brand Trif…

In this episode of the Zemar Podcast, Butch Zemar discusses strategies for saving employers money on health insurance. Ken Wosczyna joins him, and they delve into various topics related to healthcare costs, renewals, self-funding, and employee incentives. Connect with Ken Wosczyna on LinkedIn. For more information, please contact us at EliteBenefit…

In this episode, host Butch Zemar is joined by Grayson Owen to delve into executive disability insurance (DI) topics. Grayson, a specialist in individual disability insurance, shares insights on bridging the gap in coverage for executives and business owners. With extensive experience in the insurance industry, Grayson emphasizes the importance of …

Key Points: Affordable Healthcare: Many seek cheaper healthcare options but overlook opportunities to save money. Generic Drugs: Despite their potential affordability, generic drugs aren't always priced as such. Provider Discounts: Providers may resist offering PPO discounts for cash payments, impacting affordability. Financial Accountability: Heal…

Nobody cares... Just do your job. The world we work in has become mediocre at best. We become lazy and complacent in our craft. We need to do better. Ignorance is bliss. But don't use it as an excuse. The odds are not in our favor in this fight. Even the insurance companies and providers are gaming the system. Start taking responsibility for things…

Be the outlier. Most outliers in history only stepped up when they felt they had to take action. They would have said no if you asked them before that situation happened. Leaders are stepping up every day to make positive changes. This occurs in war, sports, and business. We took a trip down history when outliers in the health insurance world stepp…

Most employers and CFOs are shooting with a bad eye. They keep missing their targets. Change your tools to work with your good eye. Healthcare customer service is rated the worst. Big names don't change anything. Why? Check this out. There is no return on their investment, but they will still make money—a lot of it. No accountability up and down th…

Running a business can be challenging, especially to turn a profit. Think for a moment that you pay back all your debt, have cash in the bank, and can take profits and do whatever you want with the money. Rachel Siegel from Go Figure Accounting joins us with ideas about building higher profits than you imagined possible. Listen in as Rachel shares …

Most owners, CFOs, and HROs don’t want to invest the time in a benefits renewal to save money. They demand it; they think they control it, but they have no leverage. What if you were paid $16,000 per hour to invest time in your benefits renewal? That’s more than anyone is paid, especially those responsible for the company benefits program and the c…

Hospitals do not depend on government-funded health plans. Employers are the driving force due to health plans overpaying for healthcare. Nearly double! At the same time, employees pay 20% more for healthcare out of the paycheck, meaning they take less home. Listen in as we dive into cost analysis, which shows that only 26% of CFOs look for new way…

Businesses make mistakes when it comes to advertising. They miss the opportunity to connect with their potential buyers. Join Butch with an interview with Donny Byrant Jr., Financial Copywriter and Copy Consultant, where we talk about taking your business to the next level in gaining attention from potential prospects. You can find Donnie Bryant Jr…

Are you willing to go through the much-needed work to have better outcomes? Lester J. Morales from Next Impact joined us to discuss the Transparency Movement. Employers all over the country have been viewing the benefits the same since the beginning of time. It is time advisors need to do a better job. The current model doesn't allow for transparen…

Dan Edison joins us on the mic to share his hockey journey, the connections, and his purpose for funky socks! Hockey is a unique sport. You have instant connections that make friends for life. Dan shares more than just hockey; he shares passion with purpose. The passion for the sport, the kids of the youth hockey community, and the Chicago Diabetes…

Are employees leaving your company? Benefits programs are tough to tangle. You might be on the wrong path. You may need a new compass. You can see if you are off your target with the right updated tools. In this podcast, you will learn not only how to use a real compass, but to see if you are off on your own target or goal for your benefits program…

Many of us are overwhelmed with happiness when we are around Justin Schmick. He is known to buy a beer and give a high five or two. His daily viral dad joke videos have created an outreach beyond any small-town insurance agent's imagination. Justin shares with us the day he went viral on the internet and how he started an insurance agency. Justin's…

Perception is usually our reality. But is it? For years we are given a false reality of our Benefits Program based on how we are taught to perceive it. CFOs who have skin in the game knows they cannot control what they don’t see. Others just avoid it. Benefits costs are going to double in the next seven years. Are you ready? Ask your CFO if they fo…

Hockey players are cut from a different cloth. In this podcast, @Ken Wosczyna shares with us about goals, risks and rewards, teamwork, and being disciplined. Join us and learn how being a hockey player has helped businesses have more predictable renewals. To reach out to Ken Wosczyna, reach out on LinkedIn: https://www.linkedin.com/in/ken-wosczyna …

The game has changed again. Employers and C-suite executives, roll up your sleeves. You now have more financial skin in the game. You could be sued or penalized for taking the status quo benefits renewal. What is your plan to take responsibility to avoid setbacks, make costs reasonable, and provide better benefits for your employees? In this episod…

Fire your CFO! If your CFO is not sitting at the table with the benefits broker/consultant and HR, then they should be fired. Why? They are letting the health carrier, or even the broker/consultant, charge too much for a benefits package. The proof is in the data. Where is your data? Listen to this podcast and discover how deep the data can go for …

Ever wonder what it takes to make the professional leagues in baseball? Meet Troy Viola. Despite the setbacks from Covid and an injury in his first professional league game, Troy is disciplined to come back and be a leader on his team. Troy knows something about discipline and hard work, which shows on the baseball field. Whether it’s focusing on y…

Strategy is everything, and at the same time, it could be nothing. Sometimes, you have to change your strategy to change your outcomes. Employers often keep handling the benefits renewal the same way, Every. Single. Year. At the same time, they expect different results. Insanity. Listen in to hear about changing your strategy. Nothing happens overn…

The biggest reason employees leave their jobs is due to culture and benefits package. Employers are tasked with being creative when getting their employees to become loyal to their company. If you determine ways to engage your employees more, they will enroll in more benefits offerings. Ultimately, they become more productive in the workplace as a …

Middle-market renewals are underway, and activity is increasing here in the agency for our clients. Ken and Butch discuss ways employers can control their benefits spending; even small changes can make a big difference. If your benefits spending is one of your top three line items on the profit and loss statement, you need to listen to this segment…

Jason Treadwell has been a long-time friend of Butch Zemar. Jason took time to share some thoughts on Venture Capital or Investor funded start-ups. A lot goes into these start-ups. Having the right advice from someone experienced goes a long way. How to scale with no revenue Expanding a company with revenue Market behavior changes to look for Reach…