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.

PEO Considerations

September 19, 2016

Medical Loss Rebate (MLR) Update and What It Means for You

Dear Readers, I just received update that United Healthcare has begun mailing Medical Loss Rebate (MLR) checks to their large and small group health insurance plan sponsors. The notice indicated they would be mailing checks out over the next few weeks along with all the other health insurers. These checks are for calendar year 2015 […]

Shares

September 15, 2016

Join Us Live! Ask a Benefits Expert: Open Enrollment 101

Hi, my name is Bud Bowlin. I write the Ask Bud column, which is part of the ZenFive series of informative weekly newsletters from Zenefits. One of the most stressful times for the company HR person is the period leading up to Open Enrollment.  What exactly is Open Enrollment? It’s the critical period spent preparing, […]

Shares
PEO Considerations

September 10, 2016

Proceed with Caution: Bad Broker Practices

Dear Bud, I am considering changing health insurance brokers. However, the new broker is telling me that in order for him to shop for new options, I first need to sign a letter that says that my current broker is no longer my broker and that I am switching the services to him.  Is this […]

Shares
PEO Considerations

September 2, 2016

What Effect Will Aetna’s Withdrawal from the ACA Exchanges (Marketplaces) Have on My Company Sponsored Health Insurance Plan?

Big buzz was created last week when Aetna announced it was pulling out of 11 of the 15 marketplace exchanges it had originally entered at the beginning of the PPACA exchanges January 1, 2014. Aetna had indicated earlier that this was a possibility, so the move was not totally unexpected. United Healthcare and Humana exited […]

Shares
PEO Considerations

August 26, 2016

Overtime Legislation: The Final Rule Key Provisions and Impact for Employers

Dear Bud, I read recently about a new overtime rule that President Obama is requiring of employers. Can you tell me what I need to know about administering and how it will affect my business? I’m sure other employers are as in the dark as I am. Will these new regulations ever stop? Overwhelmed (by) […]

Shares
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 […]

Shares
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 […]

Shares
PEO Considerations

August 6, 2016

What Business Owners Should Know about the Small Business Health Care Tax Credit

Operating and running a small business is no easy task. And it’s not cheap. One of the largest costs for small businesses after wages is the cost of benefits. At Zenefits, we try to make our clients aware of every money-saving opportunity we run into, along with assistance on how to take advantage of opportunities. […]

Shares
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 […]

Shares
PEO Considerations

July 20, 2016

How Does a Modern Broker like Zenefits Prepare for your Open Enrollment?

One of those times during the year that brings health insurance clients the most stress is the last couple of months leading up to their renewal and Open Enrollment (OE) period. Fortunately for Zenefits clients, this is when our teams thrive. If you’re wondering what makes working with Zenefits to enroll in health insurance so […]

Shares
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 […]

Shares
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 […]

Shares