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WTF is RAF? Royal Air Force?
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Rate Adjustment Factor. It's the percentage (plus or minus) that a carrier can deviate from standard rates.WTF is RAF? Royal Air Force?
Joseph:You "heard" that agents are selling individual health to business owners?
It totally depends on each individual business owners situation.
There is never a one size fits all way of doing it. Evaluate your prospects situation, find a beneficial solution and go from there.
What's a carve out?
Joseph:
I always like seeing your posts because they make sense. I feel happy because I taught you everything you know.
Rick
It's you.
I can't speak for California. Even with the additional cost for the 10% that have to go HIPAA/GI conversion, limited to 200% (or double) the standard premium, it's never failed to save any employer at least 25%.
You have to understand that some employers at at the tipping point where they are ready to cancel the group health due to cost.
There are no "perfect" solutions.