Bud Bowlin

Blog Author

Bud Bowlin

Bud Bowlin ran his own benefits agency for over 15 years and was regional manager at Rogers Benefit Group for over 20 years. Combined with time in the military and law enforcement, Bud has an expansive career of serving others. Having just celebrated his 72nd birthday, Bud is now focused on the Zenefits transition from being a digital broker to being a world-class provider of HCM SaaS software to companies. He has never felt younger.

disability family insurance

September 6, 2018

After health insurance, what’s the second most important fringe benefit to provide your employees?

As everyone will agree, health insurance in today’s world is a necessity. But, after health insurance, what follows for the next most important benefit?  Some would argue dental, others life and a variety of other must haves. In my opinion, from both an employee and employer perspective, disability Insurance is the one benefit that guarantees […]

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healthcare perspective by bud bowlin

March 4, 2018

Can Business Create a Cure for Affordable Healthcare?

The US healthcare markets “sneezed” last month when Jeff Bezos, Jamie Dimon, and Warren Buffett agreed to throw in together to try to make some sense of what it would take to change the upward spiral of healthcare costs and improve the health outcomes for their nearly 900,000 combined employees. And while this is a […]

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PEO Considerations

August 4, 2017

Some Straight Talk About the Whys and Why Nots of Utilizing a PEO

First off, to be totally transparent, I work for a company that competes with PEOs (Professional Employers Organization) on a daily basis. The purpose of this blog is to reflect and attenuate some of the responses I hear from clients who have either been using a PEO or are considering using a PEO. You may […]

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Ask Bud FSA Renew

December 2, 2016

All I Want for Christmas is my FSA account Renewed!

My friends, we are always kids at heart when we think about Christmas and all the wonders it beholds. Not the least of which are the gifts we imagine and think we can’t live without. For many employees, a Flexible Spending Account (FSA) is one of those gifts. With a FSA, employees are able to […]

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PEO Considerations

August 19, 2016

The Top 20 Health Benefits Questions Asked (and Answered)

In August 2015, shortly after celebrating my 70th birthday, I partnered with our Content team here at Zenefits to write my first blog post for the company. Its title: How Does Providing Health Insurance Help My Small Business? That single post would launch a year-long series of Ask Bud columns aimed to help business leaders […]

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PEO Considerations

August 11, 2016

How Do Medicare Benefits Coordinate with My Group Health Insurance Plan?

While visiting with the excellent Zenefits support team the other day, I asked what questions do you hear repeatedly from clients?  I was overwhelmed that the response was a large number of employees turning 65 don’t know how Medicare coordinates with their company sponsored group health insurance plan.  And after checking with several small business […]

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PEO Considerations

July 28, 2016

What’s Better for My Business: A Self-Funded or Traditional Health Insurance Plan?

Hi Bud, I have a small business with 11 employees, and would love to introduce a healthcare plan for recruiting and retaining talent. But, the traditional type plans are just too expensive and we can’t afford them.  I priced out the self-insured option. This would be at a price I could work with, except we […]

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PEO Considerations

July 13, 2016

Why Should My Small Business Offer Employees a Health Savings Account?

Several of our clients have inquired about whether they should be offering employees a High Deductible Health Plan combined with a Health Savings Account. So, as we always do, when we’re exploring a topic such as this, let’s start with some definitions. A Health Savings Account, or HSA, is a personal employee owned savings account […]

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PEO Considerations

July 9, 2016

Two Things Every Insured Employee Should Know

Hi Bud, I recently starting offering my employees health insurance for the first time (and I’ve got to say, it feels pretty great to do that). But since this is a space I’ve not had experience in before, I don’t feel too confident in how to answer questions I’m getting from my employees. I’ve read […]

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PEO Considerations

June 24, 2016

What is COBRA, and What Are The Top Questions Employers Ask About It?

COBRA, or the Consolidated Omnibus Budget Reconciliation Act, is the source of many questions from our HR partners here at Zenefits. I thought that I’d give a brief review and try to address answers to some of the most frequently asked questions. What is COBRA and who does it apply to? In 1985, President Reagan […]

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PEO Considerations

June 7, 2016

What’s the Most Important Characteristic of a Health Insurance Plan?

Hi Bud, I’m no health insurance expert, and to be honest, I sometimes feel like the amount of information to consider when evaluating an insurance policy is far too overwhelming for someone who isn’t fluent in this language. I’d like to become more versed in it, but with so little time on my hands and […]

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PEO Considerations

June 3, 2016

How Do I Know What Prescription Drugs Are Covered in My Health Plan?

Hi Bud, As a reader of your weekly column, I really value your knowledge on health insurance, so I thought you may be able to help me get a straight answer to why the medicine my doctor prescribes is not covered by my health plan? Paying out of pocket for prescriptions for my family is […]

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