Ellis Insurance Solutions, LLC
EIS is a professional organization dedicated to providing clients with the best insurance solutions possible. and commercial lines’ needs.
We are committed to the principles of service, integrity and professionalism. Having over 20 years’ experience, we’ve enjoyed helping small business and middle market clients achieve success with their employee benefits solutions. We also know “one size doesn’t fit all,” so let’s discuss your interests, current situation and future ambitions to work on the best options with superior service. Here
08/07/2024
Recent article on home insurance crisis-
https://www.nola.com/news/business/louisiana-insurance-crisis-is-affecting-its-housing-market/article_a124da14-389f-11ef-b9b7-5b30ba21c695.amp.html
Contact if I can help.
The insurance crisis is impacting the housing market in Louisiana. That raises bigger worries. A spiraling insurance crisis has hammered Louisianans with high premiums, less coverage and fewer options, heaping intense financial pressure on residents who are already facing rising costs elsewhere. Now, the housing market in the New Orleans area is sending distress signals.
29/07/2023
https://www.wbrz.com/news/state-farm-insurance-rates-expected-to-increase-in-louisiana
State Farm insurance rates expected to increase in Louisiana 29% of Louisiana drivers insured by State Farm, or more than a million people, might be surprised by their latest car insurance bill.
22/06/2023
FOR IMMEDIATE RELEASE
June 21, 2023
Louisiana Department of Insurance Urges Homeowners to Prepare Now for Hurricane Season
Audio PSA – Commissioner Donelon Urges Policyholders to Prepare for Hurricane Season (:60)
Insurance Commissioner Jim Donelon is advising residents across Louisiana to prepare and remain vigilant as hurricane season began June 1 and has already shown high activity with the forming of tropical storms Arlene and Bret.
Researchers at Colorado State University forecast 2023 to be a near-average hurricane season with 14 named storms, including seven hurricanes and three major hurricanes. They predict a 43% chance for at least one major hurricane to make landfall in the United States and 27% chance for the Gulf Coast.
"I understand many homeowners are nervously facing this hurricane season while still trying to secure a policy in the private market," said Commissioner Donelon. "The Insure Louisiana Incentive Program is underway, and I encourage homeowners to continue to reach out to agents to place a policy as soon as possible."
Homeowners, business and flood insurance policies are the most effective ways to safeguard your property from hurricanes. It is crucial to act now as most property insurers stop writing policies when a storm enters the Gulf of Mexico.
The LDI recommends following these four steps to prepare for hurricane season:
Get flood insurance. Flood damage resulting from heavy rain or storm surge is not a covered peril in standard homeowners policies, and there is typically a 30-day waiting period before a flood insurance policy takes effect. For information on a subsidized National Flood Insurance Program (NFIP) policy, contact an agent or visit www.floodsmart.gov.
Review your insurance coverages. Named storm and hurricane deductibles typically run 2% to 5% of the insured property value. If a home has an insured value of $200,000 with a 5% hurricane deductible, the policyholder will pay $10,000 out of pocket before insurance coverage takes effect after a named storm. Details of these deductibles are listed on the declarations page of your policy.
Update your home inventory. You can use your phone to take pictures or video of the items in your home. Having a record of your possessions will make the claims process easier in the event of property damage or loss. Include identifying information such as brand name and serial number. The NAIC Home Inventory App makes it easy for you to create a record of your belongings. The app allows users to upload and export photos, find disaster preparation advice and review information about filing a claim. The NAIC Home Inventory App is available for download in the App Store and Google Play.
Make an evacuation plan. Have copies of your policies, as well as your agent and insurance company’s contact information, ready to go in case of an emergency evacuation. This will enable you to start the claims process as soon as possible if your home is damaged in the storm.
About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting www.ldi.la.gov.
11/10/2022
The advantage of using our business for your property needs is saving you time from going to multiple agencies, which is recommended in this article.
FOR IMMEDIATE RELEASE
October 10, 2022
Louisiana Department of Insurance Approves Citizens Rate Increase and Offers Tips for Policyholders
The Louisiana Department of Insurance (LDI) has approved Louisiana Citizens’ request for a 63% rate increase on its residential property insurance policies beginning January 1, 2023. The rate increase will not affect Citizens’ current policyholders until they renew their policy after that date.
Citizens is the state’s insurer of last resort. Louisiana law requires Citizens’ rate for each of its policy types in each parish to be at least 10% over the highest qualifying market rate or 10% over the actuarial rate, whichever is higher.
The rate increase is almost totally a result of the increased cost of reinsurance for Citizens’ increased number of policies this hurricane season. The best way to reduce the burden of this and future Citizens rate increases is the Insure Louisiana Incentive Program, which is awaiting funding from the legislature.
"There’s no sugarcoating it — this increase is extremely painful but required by law to make sure Citizens can handle a potential future disaster for its many policyholders," said Commissioner Jim Donelon. "My staff and I are working with the legislature to attract more insurers to the state through the use of a program that was highly effective following hurricanes Katrina and Rita, which will give Citizens policyholders, and all Louisianans, more and cheaper insurance options in the private market."
Citizens policyholders should be aware of the following:
The rate increase will not affect your policy until renewal. For example, if you get a Citizens policy on November 1, 2022, your premium will be unaffected through October 31, 2023.
Citizens policyholders should contact multiple independent insurance agents at least monthly to request quotes from private insurers.
The LDI expects the number of insurers writing policies to increase in the coming months. Citizens will refund your unearned premium if you find a policy with another insurer before the end of your Citizens policy term.
About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting
15/09/2022
Unfortunately, this is happening. It’s important now to shop more than ever before, at least since Katrina.
Louisiana Citizens proposes 63% homeowners insurance rate hike for 2023 Policies continue to balloon for Louisiana’s insurer of last resort
14/06/2022
This is not new but can cause big impacts to help employers lower their group health insurance premiums-
https://www.benefitspro.com/2022/06/13/reference-based-pricing-uneven-hospital-pricing-and-the-battle-against-inflation/?kw=Reference-based%20pricing%2C%20uneven%20hospital%20pricing%20and%20the%20battle%20against%20inflation&utm_source=email&utm_medium=enl&utm_campaign=bprodaily&utm_content=20220614&utm_term=bpro&slreturn=20220514081638
Reference-based pricing, uneven hospital pricing and the battle against inflation | BenefitsPRO Although the price of gasoline dominates the headlines, the cost of health care is eroding the earning power of U.S. workers. Panelists addressed that topic in a recent webinar, “A Fresh Look at Reference-Based Pricing to Drive Affordability.
21/05/2022
Talk to a good agent before your renewal. Here’s more information on post-Ida home insurance policies.
https://www.wwltv.com/article/news/local/orleans/louisiana-home-insurance-hurricane-season/289-52c93c9f-d6e5-4a63-a9df-1e5b15da305a #
Louisiana's insurance market is more expensive, complicated after Ida "I haven't seen a single policy stay the same."
19/05/2022
If you’re seeing large rate increases at your renewal, blame much of it on the huge costs of building materials (Coverage A increase in addition to rate increase):
https://www.insurancejournal.com/news/national/2022/05/19/668401.htm
Home, Commercial Rate Hikes Not Enough to Offset Construction Costs: Moody's To counteract rising construction material costs that have increased about 26.7% the first four months of 2022, personal and commercial property insurers
12/04/2022
White House rolls out plan to ease medical debt reporting | BenefitsPRO The plan includes a push within the federal government to stop considering medical debt when determining eligibility for loans.
30/12/2021
Recent Business article- Worker’s Comp REDUCTIONS:
FOR IMMEDIATE RELEASE
December 28, 2021
Workers’ Compensation Rates Down by Double Digits in 2022
Louisiana Insurance Commissioner Jim Donelon has approved the annual loss cost filing of the National Council on Compensation Insurance (NCCI) for a -10.5% reduction in workers’ compensation rates. The decrease will take effect May 1, 2022.
This year’s filing continues the downward trend of eight of the last nine years, including the upcoming 2022 rate decrease. Workers’ compensation rates have fallen dramatically over the past two decades. They have had a cumulative drop of -25% over the last five years, -38% over the last ten years, and -57% over the past 20 years.
"Workers’ compensation rates have been a great success story in our market," said Commissioner Donelon. "We’ve seen a strong downward trajectory in rates over the past two decades, including this year’s double-digit decrease. Our workers’ compensation market is thriving, and that’s great news for Louisiana employers."
The mission of the National Council on Compensation Insurance (NCCI), which was founded in 1923, is to foster a healthy workers’ compensation system. In support of this mission, NCCI gathers data, analyzes industry trends, and provides objective insurance rate and loss cost recommendations to its 35 member states and the District of Columbia. NCCI members can adopt the approved rate or they can include NCCI’s analysis with their own loss experience to complete their own rate filing with the Louisiana Department of Insurance (LDI).
The total Louisiana workers’ compensation insurance market in 2021 is estimated to have about $850 million in written premium. Louisiana has a record 249 companies writing workers’ compensation insurance, creating a very competitive market.
About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting www.ldi.la.gov.
17/12/2021
https://www.insurancebusinessmag.com/us/news/breaking-news/revealed--whats-really-driving-auto-insurance-costs-320028.aspx #.Yby05QQwUNQ.facebook
Revealed – what's really driving auto insurance costs? New report highlights the array of factors responsible for climbing costs
06/07/2021
Timely article for businesses to consider offering a strong (yet economical) employee benefits package or discuss ways with a benefits consultant to improve the value of your current package-
https://theapopkavoice.com/4-reasons-employers-should-offer-health-insurance-and-other-employee-benefits/?utm_medium=email&utm_source=getresponse&utm_content=Fauci%3A+More+than+99%25+of+people+who+died+from+COVID-19+in+June+were+not+vaccinated&utm_campaign=
4 Reasons Employers Should Offer Health Insurance and Other Employee Benefits - The Apopka Voice Providing health and other benefits is one of the best ways to show respect for your employees' contributions to your company.
10/05/2021
This article clearly explains the ramifications of “Medicare For All” public option to our current health care system. Start at Part 2 of 3.
https://www.linkedin.com/pulse/public-option-medicare-age-55-60-whats-problem-michael-bertaut
Public Option? Medicare to Age 55 or 60? What's the problem? THE COMPLETE STORY IN THREE PARTS. Part 1: Background Since early in 2013, American citizens who don’t get an offer of affordable health insurance through work (that’s about 10% of working adults) have had another significant coverage option.
15/02/2021
Recent updates from Blue Cross. Among other topics, there is a new health insurance (individual) open enrollment period starting next month-
https://www.straighttalkla.com/special-open-medicaid-medicare-fpl/
Special? Open? Medicaid? Medicare? FPL? – Straight Talk by Blue Cross and Blue Shield of Louisiana 000 Category: Uncategorized Special? Open? Medicaid? Medicare? FPL? Sometimes it makes my head spin, this whole health insurance coverage thing. The big news today is the federal government is RE-OPENING healthcare.gov for a 90-day Special Enrollment Period (SEP), taking-all-comers, starting on Feb....
01/02/2021
01/02/2021
28/01/2021
Ins Dept summary of 2020 storm-related claims:
FOR IMMEDIATE RELEASE
January 26, 2021
Commissioner Donelon Reports 2020 Hurricane Data, Including Zeta
Insurers have paid or reserved $7.7 billion on claims of all types in Louisiana through the end of 2020 from hurricanes Laura, Delta and Zeta, Insurance Commissioner Jim Donelon announced today. This data represents the first measure of damage from all three hurricanes that struck the state in the record 2020 storm season.
Policyholders filed 290,847 claims of all types from the three storms as of December 31. Of those, 161,704 claims, or 56%, were closed with payment as of December 31, garnering $5 billion in payments for damage caused by the three hurricane events.
"After a record storm season that tested the state multiple times, paid claims represent a way forward for those most affected by these hurricanes," said Commissioner Donelon. "This is $7.7 billion owed to Louisiana policyholders to rebuild their lives, homes and businesses. Furthermore, it’s billions of dollars that didn’t come from taxpayers in a time when municipal budgets are reeling from the events of the last year."
The information was generated from a data call to all authorized property and casualty insurers, including surplus lines insurers, to submit their claims data on hurricanes Laura, Delta and Zeta. The figures include claims from personal and commercial insurance. They do not include claims or payments from the National Flood Insurance Program, which is not regulated by the Louisiana Department of Insurance.
The data call figures released today represent the most comprehensive look to date of insured losses in Louisiana from the record 2020 hurricane season.
Policyholders have filed 169,891 claims from Hurricane Laura, which struck Southwest Louisiana on August 27 as a Category 4 storm. Calcasieu, Rapides, Beauregard, Ouachita and Vernon parishes had the most claims from the storm.
As of Dec. 31, 2020, insurers had closed 77% of the claims from Hurricane Laura, 59% of which were closed with payment. Total paid losses plus reserves on reported claims from all surveyed lines of insurance for Hurricane Laura at the end of 2020 were $6.6 billion, accounting for the vast majority of damage from the record 2020 hurricane season in Louisiana.
Policyholders have filed 71,945 claims from Hurricane Delta, which made landfall in Southwest Louisiana on October 9 as a Category 2 storm. Calcasieu, Lafayette, Acadia, East Baton Rouge and St. Landry parishes filed the most claims from the storm.
At the end of 2020, insurers had closed 82% of all Delta claims, and 53% of those claims were closed with payment. Insurers have paid or reserved $556 million to cover losses from reported claims from all surveyed lines of insurance for Hurricane Delta at the end of 2020.
The data call results also included the first claim figures from Hurricane Zeta, which made landfall in Terrebonne Parish on October 28 as a Category 2 storm. Policyholders have filed 49,011 claims through the end of the year. Most of the claims came from Jefferson, Orleans, St. Bernard, St. Tammany and Lafourche parishes.
Insurers closed 79% of reported Zeta claims, and 46% of those claims were closed with payment. Total paid losses plus reserves on reported claims from all surveyed lines of insurance were $499 million for Hurricane Zeta at the end of 2020.
Data for the 2020 hurricanes through Dec. 31 can be found at www.ldi.la.gov/datacallresults.
The LDI will continue to collect data from property and casualty insurers to monitor the claims process. The final deadline for data is Oct. 8, 2021.
About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting www.ldi.la.gov.
27/01/2021
Potential Health Insurance Agendas for the Biden Presidency-
https://khn.org/news/article/health-issues-carried-weight-on-the-campaign-trail-what-could-biden-do-in-his-first-100-days/
Health Issues Carried Weight on the Campaign Trail. What Could Biden Do in His First 100 Days? KHN has teamed up with PolitiFact to track what becomes of President Joe Biden’s 2020 campaign promises over the next four years. As he moves into the West Wing, what are his chances of making prog…
19/01/2021
Did you know that you qualify for insurance subsidies if you make under $105,000 (family of 4)? It’s important especially if you lose your job, work health benefits, etc.
Here is a recent article on individual (marketplace) insurance:
https://www.pressherald.com/2021/01/18/millions-eligible-for-big-obamacare-subsidies-dont-claim-them/?utm_medium=email&utm_source=getresponse&utm_content=One+Sentence+in+Biden+Stimulus+Plan+Reveals+His+Health+Care+Approach&utm_campaign=
Millions eligible for big Obamacare subsidies don’t claim them Some people think they have too much home equity or too much savings to qualify.
12/01/2021
Here’s an update on the end of the “surprise” anesthesia/radiology bills!
https://www.golocalprov.com/business/smart-benefits-an-end-to-surprise-medical-bills?utm_medium=email&utm_source=getresponse&utm_content=The+changing+face+of+insurance+distribution&utm_campaign=
GoLocalProv | Business | Smart Benefits: An End to Surprise Medical Bills With 4 in 10 insured adults reporting they’ve received a surprise medical bill, provisions in the recently passed economic relief package designed to protect patients from being billed for amounts their insurance company didn’t cover when using an out-of-network provider are a welcome relief to ...
31/12/2020
I like seeing transparency- here is something current with regard to healthcare prices:
https://www.hhs.gov/about/news/2020/10/29/trump-administration-finalizes-rule-requiring-health-insurers-disclose-price-and-cost-sharing.html?utm_medium=email&utm_source=getresponse&utm_content=Trump+Administration+Finalizes+Rule+Requiring+Health+Insurers+to+Disclose+Price+and+Cost-Sharing+Information&utm_campaign=
Trump Administration Finalizes Rule Requiring Health Insurers to Disclose Price and Cost-Sharing Information Today, the Department of Health and Human Services, the Department of Labor, and the Department of the Treasury issued a final rule on price transparency, helping to ensure Americans know how much care will cost in advance and allowing them to make fully informed and value-conscious decisions.
19/10/2020
Coivd-19 Pandemic Puts Focus on Health Benefits Enrollment Season Survey finds 49% of employees to spend more time researching their benefit options this year
PREPARING FOR HURRICANE DELTA
For the latest update regarding the storm’s path, visit the National Hurricane Center:
https://www.nhc.noaa.gov/
Be prepared–download your homeowners policy documents.
It's helpful to have your policy documents on hand in the event you need to file a claim. Visit your company’s web site to access your policy anytime, anywhere. Your insurance representative is the best person to answer any questions you have about your coverage.
Here are a few additional resources to help you prepare:
Hurricane Preparedness – Be Ready from the National Hurricane Center:
https://www.weather.gov/wrn/hurricane-preparedness
Red Cross Hurricane Preparedness:
https://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/hurricane.html
Hurricane Safety Checklist from the Red Cross:https://www.redcross.org/content/dam/redcross/atg/PDF_s/Preparedness___Disaster_Recovery/Disaster_Preparedness/Hurricane/Hurricane.pdf #
Should you need to report a claim*, you may do so 24/7 one of the following ways:
Report a claim online. Be sure to register for an account if you haven't already–you need your policy number and property ZIP code.
Call your company’s claim team- your agent can give you this information.
Once you've reported your claim, you can check the status with many carriers on their web site.
Please stay safe!
*Please note that most homeowners policies do not cover flood damage. Flood damage is covered under a separate policy, which you may or may not have purchased at the time you purchased your homeowners policy. Please consult your insurance representative if you have questions about your coverage.
National Hurricane Center US Dept of Commerce National Oceanic and Atmospheric Administration National Hurricane Center 11691 SW 17th Street Miami, FL, 33165 [email protected]
07/10/2020
I’ve been saying this for years-
https://www.washingtonpolicy.org/publications/detail/pre-existing-conditions-can-be-handled-without-obamacar
Pre-existing Conditions Can Be Handled Without Obamacare The early polls on Obamacare showed a very high unfavorable rate with the American public. However, polls have reversed themselves over the past few years mainly because of the pre-existing mandate within the law. The ACA states that insurance companies can not deny coverage to anyone because a pre-...
31/08/2020
If you know anyone who takes prescription drugs, this app is a “must use” before purchasing-
https://seekingalpha.com/news/3609884-goodrx-holdings-readies-100m-ipo
GoodRx Holdings readies $100M IPO GoodRx Holdings (GDRX) has filed a prospectus for a $100M IPO.The Santa Monica, CA-based company has developed a platform aimed at helping consumers find lower prescription drug prices based on data gathered from more than 70K U.S.
23/07/2020
Are you familiar with the 3 company wellness initiatives? Good article for small and midsized employers:
https://trueconnectloan.com/blog/wellness-in-the-modern-workplace-mental-physical-and-financial/
Wellness in the Modern Workplace: Mental, Physical, and Financial | TrueConnect Loan Employee Loan Solutions, Inc.'s signature product, TrueConnect, is a web-based, voluntary employee-benefit program. TrueConnect allows employees facing an unexpected financial emergency to apply for a small bank loan that can be repaid through small payroll deductions spread out over a year. TrueCon...
20/07/2020
The average cost of living in an assisted living facility will be nearly $8,000/MONTH in 20 years.
This article gives two options to help pay for this nearly inevitable expense:
https://www.forbes.com/advisor/life-insurance/long-term-care-hybrid/
How To Use Life Insurance To Pay For Long-Term Care There’s a good chance you’ll need long-term care as you age. But if you’re like many Americans, you likely don’t have a plan to pay for this sort of care. Although about half of adults turning 65 today will develop a disability that is serious enough to require assistance with daily activiti...
07/07/2020
Here is an update from our commissioner. Contact me to ensure you are still in the best auto policy, free no obligation look.
“FOR IMMEDIATE RELEASE
July 6, 2020
Donelon Approves Fourth Consecutive Auto Rate Decrease for State Farm / $202 Million in COVID-19 Premium Returned to Louisiana Policyholders
Louisiana Insurance Commissioner Jim Donelon announces his approval of a permanent decrease of 9.6% in the rate for auto insurance policies issued by State Farm Insurance Company for Louisiana drivers. This auto insurance reduction by State Farm, follows approved decreases of 4.5% in 2018, 6.5% in 2019 and 2.3% in March of 2020, which total a 23% decrease in the last two years.
"State Farm provides auto insurance for more than a million Louisiana policyholders and has been at the forefront of giving consumers relief from their auto premiums due to decreased driving during the COVID pandemic," said Commissioner Donelon. "We’ve seen many other local and national insurers do the same since the issuance of nationwide stay at home orders that have resulted in Louisiana policyholders receiving over $202 million dollars in rebates or refunds."
Additionally, Louisiana’s private passenger auto insurers continue to return auto premium to Louisiana drivers as a response to emergency declarations and stay at home orders in place throughout the U.S. and Louisiana. Insurers are seeing significantly fewer miles driven, resulting in a reduction in the frequency of accidents and claims filing, as well as ultimate lawsuits being filed.
At the time of publication, the insurers below have announced or provided the Louisiana Department of Insurance (LDI) with the details of a rebate or rate reduction program and these insurers provide coverage to 97% of Louisiana’s insured drivers.
The effective date of State Farm’s current reduction is August 24, 2020 for new and renewal policies. If policyholders have any questions about rebates or refunds, they should contact the Louisiana Department of Insurance at 1-800-259-5300 or by visiting www.ldi.la.gov.
About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting www.ldi.la.gov.
PRIVATE PASSENGER AUTOMOBILE
Companies Offering Premium Payback Due to COVID-19
Group/Company
2019 Market Share
COVID-19 Related Return Premium
# Months Return Premium
Projected Return Premiums
STATE FARM GRP
29.5%
25%
2.37
$ 71,099,231
BERKSHIRE HATHAWAY GRP (GEICO)
11.7%
15%
6
$ 42,895,623
PROGRESSIVE GRP
16.4%
20%
2
$ 26,769,931
ALLSTATE INS GRP
11.1%
15%
3
$ 20,255,162
USAA GRP
6.0%
20%
3
$ 14,703,613
SOUTHERN FARM BUREAU CAS GRP
5.4%
15%
2
$ 6,566,488
LIBERTY MUT GRP
4.1%
15%
2
$ 4,949,089
GOAUTO INS CO
3.3%
15%
2
$ 4,076,990
SHELTER INS GRP
1.4%
30%
2
$ 3,491,034
AMTRUST NGH GRP
2.4%
15%
1
$ 1,260,381
METROPOLITAN GRP
0.8%
15%
2
$ 1,031,830
ORPHEUS GRP
1.1%
10%
2
$ 929,520
AUTO CLUB ENTERPRISES INS GRP (AAA)
0.5%
20%
2
$ 848,445
KEMPER CORP GRP
0.7%
15%
2
$ 842,637
HARTFORD FIRE & CAS GRP
0.6%
15%
2
$ 673,438
THE HANOVER INS GRP
0.4%
15%
2
$ 516,007
HORACE MANN GRP
0.4%
15%
2
$ 506,248
FARMERS INS GRP
0.1%
25%
2
$ 298,775
AMERICAN FAMILY INS GRP
0.3%
$50
5,919**
$ 295,950
CHUBB LTD GRP
0.1%
6%
12
$ 186,195
ROOT INS CO
0.3%
10%
2
$ 254,725
AMICA MUT GRP
0.1%
20%
2
$ 163,389
PURE COMPANIES GRP
0.1%
15%
2
$ 159,441
TRAVELERS GRP
0.0%
15%
3
$ 47,861
PHARMACISTS MUT INS CO
0.0%
$25
570**
$ 14,250
MIDVALE IND CO
0.0%
15%
3
$ 2,047
BROTHERHOOD MUTUAL INS CO
0.0%
15%
2
$ -
CLEARCOVER INS CO
0.0%
15%
1
$ -
Total Proposed Refunds
97.0%
$ 202,838,301
** These insurers are offering a flat payment per vehicle.”
24/06/2020
Transparency for medical prices is NOT a bad think for consumers-
https://www.cnn.com/2020/06/23/politics/trump-hospitals-insurers-rates-price-transparency/index.html
Hospitals lose bid to keep secret the rates they negotiate with insurers A coalition of hospital groups lost their attempt to block the Trump administration from requiring hospitals to disclose the prices they privately negotiate with insurers.
Outcome-driven Insurance Consultant
Having over 20 years’ experience, we’ve enjoyed helping small business and middle market clients achieve success with their employee benefits solutions. We also know “one size doesn’t fit all,” so let’s discuss your interests, current situation and future ambitions to work on the best options with superior service.
Here is more background on our agency and capabilities- http://ellisinsurancesolutions.com/
Contact us for a free review of your health and ancillaries or any personal (home, property, etc.) and commercial lines’ needs.