Avionics News September 2015 - 55

Advertisers Index
Aero Standard. . . . . . . . . . . . . . . . . . . . 78

I highly encourage businesses to use an independent insurance agent. This
means the agent is not attached to one specific health insurance company. An
independent agent can present options from multiple providers and more plans to
consider.
If you are uncertain of the questions to ask when interviewing a health
care insurance agent, here are a couple suggestions:
1.

2.

3.

Has there ever been a lawsuit naming you that pertains to a
health care plan he/she brokered?
If the answer is yes, ask about it. This is not necessarily an indication of
a bad agent. This question is like asking an attorney if they've ever been
sued.
What are your thoughts concerning traditional markets like Blue
Cross Blue Shield, Humana, Starmark and Coventry versus nontraditional self-funded options?
In today's health insurance market, the traditional carriers are usually required, by law, to offer you coverage; however, the rates are
usually higher than self-funded markets. Self-funded markets are
still allowed to do an underwriting process.
What self-funded markets do you represent, and which carriers
will my information be presented to?
a. Many agents have access to self-funded markets, but don't pursue
these for customers because of the decrease in compensation from
some of the carriers. Selecting your product design is a little more
complicated than throwing it into the hands of your agent and telling him or her to do it. You need to be working as a team with your
agent. As the employer, you know your employees better than any
insurance agent.
b. Asking about self-funded markets does not mean you are taking a
risk. Many carriers today have a fully funded ERISA plan. These
plans look and feel like traditional health plans. A fully funded
ERISA plan is a great option for any size business. Make sure your
agent is looking at these options.

The most important thing to remember when selecting your health care plan
design is, if you give the best coverage this year and then next year decide
you want to decrease the benefits, you will most likely have upset employees.
I recommend you look at a middle-of-the-road plan for your industry.
If your company is large enough, and the carrier will allow you to offer
more than one plan design, offer multiple plans. By offering multiple plans,
you have given yourself the ability to sponsor the least expensive of the plan
designs, and you can allow the employees the option to pay the difference if
they want the more-expensive product. Remember, any amount the employee
chooses to contribute toward their health care premium is able to be taken
out of their pay pre-tax.
There is not a right or wrong answer when it comes to the plan design
you select. What matters is that you are able to continue to offer your
employees quality health care. q

Air Harness Manufacturing . . . . . . . . . . 64
Astronics . . . . . . . . . . . . . . . . . . . . . . . . 45
ATEQ-Omicron . . . . . . . . . . . . . . . . . . . 58
Aviation Solutions . . . . . . . . . . . . . . . . . 44
Avionics Specialist Inc. . . . . . . . . . . . . . 49
AVweb. . . . . . . . . . . . . . . . . . . . . . . . . . 37
Becker Avionics . . . . . . . . . . . . . . . . . . 48
BendixKing . . . . . . . . . . . . . . . . . . . . . . 27
Cal Labs . . . . . . . . . . . . . . . . . . . . . . . . 78
CE Avionics. . . . . . . . . . . . . . . . . . . . . . 78
Cobham AvComm . . . . . . . . . . . . . . . . . 71
Dallas Avionics . . . . . . . . . . . . . . . . . . IFC
Duncan Aviation . . . . . . . . . . . . . . . . . . 39
EDMO . . . . . . . . . . . . . . . . . . . . . . . . . BC
FedEx Express . . . . . . . . . . . . . . . . . . . 78
Flight Display Systems . . . . . . . . . . . . . 52
Flying Magazine . . . . . . . . . . . . . . . . . . 80
Garmin . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Georgetown Instrument Services . . . . . 57
GlobalParts.aero . . . . . . . . . . . . . . . . . . . 5
Gogo Business Aviation . . . . . . . . . . . . . . . . 31
J.A. Air Center . . . . . . . . . . . . . . . . . . . 78
JETTECH . . . . . . . . . . . . . . . . . . . . . . . 36
L-3 Aviation Products . . . . . . . . . . . . . . 69
Latitude Technologies . . . . . . . . . . . . . . . . 53
Mid-Continent Instruments and Avionics. . 59
Nason Associates . . . . . . . . . . . . . . . . . 70
Pacific Southwest Instruments . . . . . . IBC
Precision Aviation Group. . . . . . . . . . . . 68
ProCal Laboratories . . . . . . . . . . . . . . . 78
Stark Avionics . . . . . . . . . . . . . . . . . . . . 78
Sun Aviation . . . . . . . . . . . . . . . . . . . . . 33
Tech-Aid Products. . . . . . . . . . . . . . . . . 78
Tri-Star Technologies . . . . . . . . . . . . . . 21
True Blue Power . . . . . . . . . . . . . . . . . . . 1
Universal Avionics Systems Corp. . . . . 65
avionics news

*

september

2015

55



Table of Contents for the Digital Edition of Avionics News September 2015

Avionics News September 2015 - Intro
Avionics News September 2015 - Cover1
Avionics News September 2015 - Cover2
Avionics News September 2015 - 1
Avionics News September 2015 - 2
Avionics News September 2015 - 3
Avionics News September 2015 - 4
Avionics News September 2015 - 5
Avionics News September 2015 - 6
Avionics News September 2015 - 7
Avionics News September 2015 - 8
Avionics News September 2015 - 9
Avionics News September 2015 - 10
Avionics News September 2015 - 11
Avionics News September 2015 - 12
Avionics News September 2015 - 13
Avionics News September 2015 - 14
Avionics News September 2015 - 15
Avionics News September 2015 - 16
Avionics News September 2015 - 17
Avionics News September 2015 - 18
Avionics News September 2015 - 19
Avionics News September 2015 - 20
Avionics News September 2015 - 21
Avionics News September 2015 - 22
Avionics News September 2015 - 23
Avionics News September 2015 - 24
Avionics News September 2015 - 25
Avionics News September 2015 - 26
Avionics News September 2015 - 27
Avionics News September 2015 - 28
Avionics News September 2015 - 29
Avionics News September 2015 - 30
Avionics News September 2015 - 31
Avionics News September 2015 - 32
Avionics News September 2015 - 33
Avionics News September 2015 - 34
Avionics News September 2015 - 35
Avionics News September 2015 - 36
Avionics News September 2015 - 37
Avionics News September 2015 - 38
Avionics News September 2015 - 39
Avionics News September 2015 - 40
Avionics News September 2015 - 41
Avionics News September 2015 - 42
Avionics News September 2015 - 43
Avionics News September 2015 - 44
Avionics News September 2015 - 45
Avionics News September 2015 - 46
Avionics News September 2015 - 47
Avionics News September 2015 - 48
Avionics News September 2015 - 49
Avionics News September 2015 - 50
Avionics News September 2015 - 51
Avionics News September 2015 - 52
Avionics News September 2015 - 53
Avionics News September 2015 - 54
Avionics News September 2015 - 55
Avionics News September 2015 - 56
Avionics News September 2015 - 57
Avionics News September 2015 - 58
Avionics News September 2015 - 59
Avionics News September 2015 - 60
Avionics News September 2015 - 61
Avionics News September 2015 - 62
Avionics News September 2015 - 63
Avionics News September 2015 - 64
Avionics News September 2015 - 65
Avionics News September 2015 - 66
Avionics News September 2015 - 67
Avionics News September 2015 - 68
Avionics News September 2015 - 69
Avionics News September 2015 - 70
Avionics News September 2015 - 71
Avionics News September 2015 - 72
Avionics News September 2015 - 73
Avionics News September 2015 - 74
Avionics News September 2015 - 75
Avionics News September 2015 - 76
Avionics News September 2015 - 77
Avionics News September 2015 - 78
Avionics News September 2015 - 79
Avionics News September 2015 - 80
Avionics News September 2015 - Cover3
Avionics News September 2015 - Cover4
https://www.nxtbook.com/allen/avne/60-10
https://www.nxtbook.com/allen/avne/60-9
https://www.nxtbook.com/allen/avne/60-8
https://www.nxtbook.com/allen/avne/60-7
https://www.nxtbook.com/allen/avne/60-6
https://www.nxtbook.com/allen/avne/60-5
https://www.nxtbook.com/allen/avne/60-4
https://www.nxtbook.com/allen/avne/60-3
https://www.nxtbook.com/allen/avne/60-2
https://www.nxtbook.com/allen/avne/60-1
https://www.nxtbook.com/allen/avne/59-12
https://www.nxtbook.com/allen/avne/59-11
https://www.nxtbook.com/allen/avne/59-10
https://www.nxtbook.com/allen/avne/59-9
https://www.nxtbook.com/allen/avne/59-8
https://www.nxtbook.com/allen/avne/59-7
https://www.nxtbook.com/allen/avne/59-6
https://www.nxtbook.com/allen/avne/59-5
https://www.nxtbook.com/allen/avne/59-4
https://www.nxtbook.com/allen/avne/59-3
https://www.nxtbook.com/allen/avne/59-2
https://www.nxtbook.com/allen/avne/59-1
http://www.brightcopy.net/allen/avne/58-12
http://www.brightcopy.net/allen/avne/58-11
http://www.brightcopy.net/allen/avne/58-10
http://www.brightcopy.net/allen/avne/58-9
http://www.brightcopy.net/allen/avne/58-8
http://www.brightcopy.net/allen/avne/58-7
http://www.brightcopy.net/allen/avne/58-6
http://www.brightcopy.net/allen/avne/58-5
http://www.brightcopy.net/allen/avne/58-4
http://www.brightcopy.net/allen/avne/58-3
http://www.brightcopy.net/allen/avne/58-2
http://www.brightcopy.net/allen/avne/58-1
http://www.brightcopy.net/allen/avne/57-12
http://www.brightcopy.net/allen/avne/57-11
http://www.brightcopy.net/allen/avne/57-10
http://www.brightcopy.net/allen/avne/57-9
http://www.brightcopy.net/allen/avne/57-8
http://www.brightcopy.net/allen/avne/57-7
http://www.brightcopy.net/allen/avne/57-6
http://www.brightcopy.net/allen/avne/57-5
http://www.brightcopy.net/allen/avne/57-4
http://www.brightcopy.net/allen/avne/57-3
http://www.brightcopy.net/allen/avne/57-2
http://www.brightcopy.net/allen/avne/57-1
http://www.brightcopy.net/allen/avne/56-12
http://www.brightcopy.net/allen/avne/56-11
http://www.brightcopy.net/allen/avne/56-10
http://www.brightcopy.net/allen/avne/56-9
http://www.brightcopy.net/allen/avne/56-8
http://www.brightcopy.net/allen/avne/56-7
http://www.brightcopy.net/allen/avne/56-6
http://www.brightcopy.net/allen/avne/56-5
http://www.brightcopy.net/allen/avne/56-4
http://www.brightcopy.net/allen/avne/56-3
http://www.brightcopy.net/allen/avne/56-2
http://www.brightcopy.net/allen/avne/56-1
http://www.brightcopy.net/allen/avne/55-12
http://www.brightcopy.net/allen/avne/55-11
http://www.brightcopy.net/allen/avne/55-10
http://www.brightcopy.net/allen/avne/55-9
http://www.brightcopy.net/allen/avne/55-8
http://www.brightcopy.net/allen/avne/55-7
http://www.brightcopy.net/allen/avne/55-6
http://www.brightcopy.net/allen/avne/55-5
http://www.brightcopy.net/allen/avne/55-4
http://www.brightcopy.net/allen/avne/55-3
http://www.brightcopy.net/allen/avne/55-02
http://www.brightcopy.net/allen/avne/55-01
http://www.brightcopy.net/allen/avne/54-12
http://www.brightcopy.net/allen/avne/54-11
http://www.brightcopy.net/allen/avne/54-10
http://www.brightcopy.net/allen/avne/54-9
http://www.brightcopy.net/allen/avne/54-8
http://www.brightcopy.net/allen/avne/54-7
http://www.brightcopy.net/allen/avne/54-6
http://www.brightcopy.net/allen/avne/54-5
http://www.brightcopy.net/allen/avne/54-4
http://www.brightcopy.net/allen/avne/54-3
http://www.brightcopy.net/allen/avne/54-2
http://www.brightcopy.net/allen/avne/54-1
http://www.brightcopy.net/allen/avne/53-12
http://www.brightcopy.net/allen/avne/53-11
http://www.brightcopy.net/allen/avne/53-10
http://www.brightcopy.net/allen/avne/53-9
http://www.brightcopy.net/allen/avne/53-8
http://www.brightcopy.net/allen/avne/53-7
http://www.brightcopy.net/allen/avne/53-6
http://www.brightcopy.net/allen/avne/53-5
http://www.brightcopy.net/allen/avne/53-4
http://www.brightcopy.net/allen/avne/53-3
http://www.brightcopy.net/allen/avne/53-2
http://www.brightcopy.net/allen/avne/53-1
http://www.brightcopy.net/allen/avne/52-12
http://www.brightcopy.net/allen/avne/52-11
http://www.brightcopy.net/allen/avne/52-10
http://www.brightcopy.net/allen/avne/52-9
http://www.brightcopy.net/allen/avne/52-8
https://www.nxtbook.com/allen/avne/52-7
https://www.nxtbook.com/allen/avne/52-6
https://www.nxtbook.com/allen/avne/52-5
https://www.nxtbook.com/allen/avne/52-4
https://www.nxtbook.com/allen/avne/52-3
https://www.nxtbook.com/allen/avne/52-2
https://www.nxtbook.com/allen/avne/52-1
https://www.nxtbook.com/allen/avne/51-12
https://www.nxtbook.com/allen/avne/51-11
https://www.nxtbook.com/allen/avne/51-10
https://www.nxtbook.com/allen/avne/51-9
https://www.nxtbook.com/allen/avne/51-8
https://www.nxtbook.com/allen/avne/51-7
https://www.nxtbook.com/allen/avne/51-6
https://www.nxtbook.com/allen/avne/51-5
https://www.nxtbook.com/allen/avne/51-4
https://www.nxtbook.com/allen/avne/51-3
https://www.nxtbook.com/allen/avne/51-2
https://www.nxtbook.com/allen/avne/51-1
https://www.nxtbook.com/allen/avne/50-12
https://www.nxtbook.com/allen/avne/50-11
https://www.nxtbook.com/allen/avne/50-10
https://www.nxtbook.com/allen/avne/50-9
https://www.nxtbook.com/allen/avne/50-8
https://www.nxtbook.com/allen/avne/50-7
https://www.nxtbook.com/allen/avne/50-6
https://www.nxtbook.com/allen/avne/50-5
https://www.nxtbook.com/allen/avne/50-4
https://www.nxtbook.com/allen/avne/50-3
https://www.nxtbook.com/allen/avne/50-2
https://www.nxtbook.com/allen/avne/50-1
https://www.nxtbook.com/allen/avne/49-12
https://www.nxtbook.com/allen/avne/49-11
https://www.nxtbook.com/allen/avne/49-10
https://www.nxtbook.com/allen/avne/49-9
https://www.nxtbook.com/allen/avne/49-8
https://www.nxtbook.com/allen/avne/49-7
https://www.nxtbook.com/allen/avne/49-6
https://www.nxtbook.com/allen/avne/49-5
https://www.nxtbook.com/allen/avne/49-4
https://www.nxtbook.com/allen/avne/49-3
https://www.nxtbook.com/allen/avne/49-2
https://www.nxtbook.com/allen/avne/49-1
https://www.nxtbook.com/allen/avne/48-12
https://www.nxtbook.com/allen/avne/48-11
https://www.nxtbookmedia.com