Georgia Bar Journal December 2011 : Page 49
the past are no longer doing so. When you combine the reduction of agents with the constant updates to the reform legislation by regulators, you have a situation that makes it very difficult for consumers to get clear and current answers to their questions. For many law firms, health insurance is their second highest expense after payroll. Managing the costs is very difficult and recent changes to health care leg-islation have only made that pro-cess more complicated. Health care reform brought a long list of items for employers to consider as they provide health insur-ance benefits for employees. Questions such as whether or not to maintain “grandfathered” status and what disclosures and notifications need to be sent to employees are just a few of the questions that lawyers are ask-ing about their coverage. As we move closer to 2014, when some plans will no longer be allowed, employers will be faced with even more difficult decisions when balancing cost and benefit. The State Bar of Georgia Member Benefits Committee and the State Bar of Georgia’s recommended broker, BPC Financial, are com-mitted to helping attorneys with their health insurance needs. BPC Financial continues to work to find beneficial options available in the marketplace. Concepts involv-ing Multiple Employer Welfare Arrangements (MEWA), individ-ual policies with concessions and association group plans are all con-tinuously investigated in an effort to find good solutions for lawyers and their firms. All of these options have the potential to provide mem-bers savings for health insurance. Currently, one option designed to offer value for small employ-ers and individual members is a program called HealthPlan Advantage. HealthPlan Advantage uses the concept of spreading risk between multiple carriers to lower the overall premium. The ability Earl C. Trefry Jr., president of BPC Financial, began his career in the insurance industry shortly after receiving his B.S. degree in Business Administration from the University of Florida in 1972. He later acquired his CLU designation in 1983 from the American College. Trefry is a 37-year qualifying member of the Million Dollar Round Table (MDRT) and an 11-year member of the Top of the Table. He is a frequent guest speaker at industry associations and has also written many articles published in insurance publications and journals. Trefry has previously served on several insurance company’s advisory councils and is the recipient of more than 45 insurance company production awards. December 2011 The State Bar is on Facebook. www.facebook.com/statebarofgeorgia Come join us! 49 to spread the risk is accomplished because of the use of an exclusive GAP group insurance plan that was developed by BPC Financial. The final product offers benefits that are equal or better than many current plan benefits, but very often offer a lower premium. HealthPlan Advantage also utilizes a program called Consult-A-Doc. This benefit allows members and their employ-ees to access physicians through a toll free line to receive care for many day to day ailments. For a $10 copay, you will speak to a licensed physician in Georgia who in many cases will diagnosis your problem, recommend options for treatment and, if appropriate, send a prescription to your pharmacy. The service is available 24 hours a day, seven days a week. The Consult-A-Doc service is included in the HPA package. If you would like to learn more about the program offered by the State Bar of Georgia’s recom-mended broker, please contact BPC Financial at 1-800-282-8626. You can also visit them online at www. memberbenefits.com/SBOG.