Category Archives: Insurance News

Three questions stand between you and a fiercely loyal client.

“Get closer than ever to your customers. So close that you tell them what they need well before they realize it themselves.” In this short article we identify the many reasons why Call Centers just cannot compete with your business. Think about all of the value that you bring to your community, the values that […]

MNsure: Unsure which health plan to choose?

For a while now, LeClair Group has been campaigning to get MNsure to promote the use of brokers, and in a recent announcement from MNsure , it appears that they are also seeing the benefit of this. The individual market will become increasingly important as we enter 2020 – get your self certified, MNsure helps […]

Better Together: Thoughts for fall enrollment

Welcome to the 2020 fall enrollment season. Now that you’ve survived the first several weeks of the fall enrollment season, this is an opportunity to remind you that LeClair Group’s team of experts are here for you, whether you have questions on behalf of your Medicare, Under 65 or Group clients.  Our motto is ‘Better […]

Introducing LeClair Group’s new under 65 major medical quoting tool

Welcome to the 2020 fall enrollment season, and LeClair Group is here to assist you in finding the right plan for your Under 65 clients. We have just launched a new Under 65 quoting tool, which can easily aid you throughout this enrollment season. Situated within the My Advantage Portal, agents are able to quote all […]

No trick: Medigap, MACRA and lower premium opportunities right now.

Even though MACRA doesn’t affect new Medicare clients until January 1, 2020, now is the perfect time to start educating your clients on the benefits of cost-sharing Medigap plans. Clients who are considering Medigap plans are in search of three key things:  Portability, Simplicity and a Guarantee their plan won’t change.  Although for many, Medicare […]

The value of Indexed Universal Life

Many Financial Planners and Asset Manager today recognize the “protection” of goals and dreams, is an integrated part of designing a workable financial plan. Many Planners are recognizing the value of Indexed Universal Life which can provide: Opportunities to grow assets (cash value), with a guarantee that asset values cannot go below “$0”. No down […]

80,000 reasons to certify with MNsure.

Editorial by LeClair Group CEO Richard Lett In finishing the MNsure certification program, I found it to be much improved from it’s inception. It is time to take another look. The number of agents engaging with ACA exchanges across America has increased from 25,748 (2018) to 28,133 for 2020 enrollments. However, among the 139,000 members enrolled via […]

Compliance Connection: IRS Releases the Indexed 2020 Affordability Percentage

The IRS recently released Notice 2019-29 that adjusts the affordability percentage for 2020. The affordability rate for 2020 plan years will be 9.78%, which will be used with affordability calculations to determine employee affordability. To avoid penalties under the Affordable Care Act, large employers must offer minimum value, affordable coverage to their full-time employees. For […]

Compliance Connection: IRS Expands Aallowed Preventive Care Benefits for HDHPs

In Notice 2019-45, the IRS has expanded the list of preventive care benefits permitted to be provided by a high deductible health plan (“HDHP”) either without a deductible or with a deductible below the applicable minimum deductible (self-only or family) for an HDHP.  Medical care, including prescription drugs, for certain chronic conditions will now be classified […]

Compliance Connection: Final Rule on Association Retirement Plans Takes Effect

Effective September 30, 2019, a US Department of Labor final rule allows small employers to band together to offer retirement plans to their employees through association retirement plans. The new rule provides an additional option for meeting the definition of employer under the Employee Retirement Income Security Act and outlines when an employer group or […]