The Zemar Podcast

The Zemar Podcast

Talking to small to mid-sized businesses and discussing insurance and business related topics.


October 4, 2022 24 min

The world is changing, and so is the benefits world. Listen in to some of the changes employers and brokers are facing. Change is the only constant. 

In this Podcast:

  • Change is the only constant
  • Inflation Reduction Act
  • Rx Discounting for Medicare Beneficiaries 
  • Employers need to consider medicare options for their medicare eligible employees
  • Questions you should be asking your brokers to make sure you are getting good advice
  • Devil is ...
  • Mark as Played

    Build better organizational habits with Colleen Klimczak, a professional organizer. This podcast discusses building good habits and having a landing and launch pad for your essential items. When are the items and tasks enough, and when is it too much? Sometimes starting with "organizational 101" is an excellent way to go about it. Turn your piles into files. 

    For more information or contact Colleen Klimczak, please visit Pe...

    Mark as Played

    Alan Stern has taken marketing to the next level. You do not want to miss his "Live From the Lot" episode reviewing new cars that just hit the lot. Alan makes car buying so smooth, you'll brag about it.

    Alan also takes us down the path of how to market our own businesses, solo or a company with employees that need to promote your product or company. Take your marketing to the next level.

    Be sure to visit www.UltimateUse...

    Mark as Played
    What is it like to dive to 390ft deep on a shipwreck? Dive into a deep shipwreck dive with Butch. For such a dive, there are roles and responsibilities. Each one is a key component to a successful outcome.  Same thing for a benefits program for the workplace. It is an Employer Sponsored Plan, not a Broker Sponsored Plan. The brokers have a big role in the process, but the employer is the one who lives on to tell the story of the ...
    Mark as Played

    Old habits die hard. Especially for Veterans. Veterans come out of the military with habits that live on forever. They never seem to go away. Some are good, some not so good. For some of us, it also taught us to be outliers

    Listen to Butch's story about when he was nominated as Benefits Broker of the Year in 2014. Butch was one of five in the country. The publication labeled me as an Ex-Navy Seal. Check out this podcast for t...

    Mark as Played

    Take a dive into Haigh Quarry as Butch takes you through some of the attractions. Navigating without a compass isn’t an issue with some training and practice you can do or. Same will go with navigating medical claims. 

    Mid year review can save you cash.


    Don’t be passive on claims.


    Get your scorecard for your company now!


    For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit EliteBenefits....

    Mark as Played

    Butch walks us through a real ER visit for one of his kids on vacation. Be logical not emotional. Get cost savings and real advice in this podcast.  In this episode:

  • Summer vacation ER visits 
  • Mid-year renewal strategies 
  • Consultant fees are here
  • For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit 

    Mark as Played

    You and your broker are probably asleep at the wheel. In the Navy, collisions happen at sea, and from Butch’s perspective, it’s because of two reasons:

  • Lack of training
  • Being complacent 
  • Many employers and brokers have become complacent at what they do for the benefits program. Some are trying to do something and learn along the way and that’s great. A lot are not. Accepting the status quo as is and just complain about it.

    In this ep...

    Mark as Played

    In the military, we had Checklists. The checklists were created over time from the publications that required us to maintain a standard of operation. In the aviation world, it saved lives. In the business world, we profit more. 

    In this episode, I walk you through a case study that saved a company over $100,000. It goes right back to the bottom line. 

  • Find out areas where you are overspending
  • There are areas you need much improvemen...
  • Mark as Played

    Scuba Diving is fun, but even in clear waters vision can be impaired. Employers and CFOs are suffering blurred vision with the great resignation going on. They skip the biggest expense on the profit and loss statement. Look into changing how you do things so you can increase your benefit package and increase wages for your current and new employees. It’s costing you money by waiting.

    In this episode:

  • Shipwreck diving story… 
  • Blurred...
  • Mark as Played

    Meet my son, Caleb. His hockey coach calls him "Cannon". Find out on the podcast why!

    The great resignation is hurting employers all over the country. Many employers get in their own way trying to fix it. I walk you through streamlining the process, freeing up cash to increase your benefits and compensation packages to your employees so you can attract and keep hardworking employees. 

    After listening to this podcast and you...

    Mark as Played

    Sims enjoys making music and spending time with his family. His workday is filled with streamlining enrollments and engaging employees to have better outcomes and save the employer money. 

    In this podcast:

  • Covid forced employers to move to more advanced enrollments
  • More engagement with employers and their employees
  • Working with an expert
  • Making music! (check out music channels on this guy!)
  • To reach out to Sims Tillirson, check out hi...

    Mark as Played

    Chow lines on a Navy ship can be long, especially if it's a holiday such as St. Patrick's day. No green beer, but green aviation. Employers need to get their green too. Move to the Elite Benefits formula and start saving some green. 

    In this episode:

  • The Navy's Sat. Patty's day
  • Luck of the Irish at sea
  • Employers get your green
  • Savings with the Elite Benefits Formula
  • To get your Benefits score, go to

    Mark as Played

    Scuba diving is my favorite sport for sure - outside of watching my kids. Like many sports, it can teach you lessons about life and business. There is definitely a dark path to avoid in sports and in business. Check this episode out and see how you are probably on the dark path and how you can get out. 

    In this episode:

  • Scuba story about contingency and guidance 
  • Employers should not go in it alone - avoid the dark path
  • Leverage othe...
  • Mark as Played

    The employee benefits space has evolved over the years. How employers approach, it has also changed. Bill Hammett from Hammett Insurance Marketing took us through alternative options to traditional major medical and their advantages.


    William Hammett can be found on LinkedIn as well as

    For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit

    Mark as Played

    Healthcare is an issue for many. The system is performing exactly the way it was designed. Take these steps to grab control of the claims. 

  • Know the system and how it works
  • Know the claim process
  • Know the hidden costs
  • They have incentives to spend more, don't be fooled!
  • Steps to take control of the claims
  • For more information on Elite Benefits of America, contact Butch at 708-535-3006 or visit 

    Mark as Played
    Many businesses struggle to keep up with their work let alone expand their business to the next level. Businesses all over the globe, small and large, do not have end-to-end processes of their businesses. If you are looking to take your company to the next level, you need to listen in on some of the take ways from Amanda Russo from Cornerstone Paradigm Consulting (CPC) in this podcast. Amanda shares with us some of the steps to tak...
  • Mark as Played
    Marshall Allen shares insights from his new book, Never Pay the First Bill, and other ways to fight the health care system and win!    The health care system is working exactly how it was designed. Allen provides the manuscript on how to fight back on the providers with unfair billing practices and exploiting people's sickness for profit.    In this episode:
  • Know when to pay the bill.
  • Sue in small claims court (outlined in th...
  • Mark as Played

    The benefits industry is full of lack of transparency. Let's take a deep dive into how the employer is buying benefits wrong. Eric Silverman from Voluntary Disruption walks us through how it's all about communication, engagement, and technology, then you have your benefits package.

  • Learn the 4 types of brokers
  • Avoid the one option sales rep
  • Say no to the "two-faced" brokers (listen in to this one!).
  • For more inform...

    Mark as Played

    Employers, Chief Financial Officers, and Human Resource (HR) struggle every day with the cost of maintaining an employee benefits program. Find your Wolpertinger and get rid of the Jackalopes!

    Chris walks us through his book, Hit Zero!, on how to get away from the traditional ways of employee benefits renewals. Start getting positive results for your employees!

    Reach out to Chris Wolpert on LinkedIn. Visit Group Benefits Solutions ...

    Mark as Played

    Popular Podcasts

      If you can never get enough true crime... Congratulations, you’ve found your people.

      Bone Valley

      Bone Valley is a 9-episode true crime podcast. New episodes are available for free every Wednesday. In 1987, 18-year-old Michelle Schofield was found dead in a phosphate pit in Florida. Two years later, her husband Leo was convicted and sentenced to life in prison. Fifteen years later, previously unidentified fingerprints matched Jeremy Scott--a violent teenager who lived nearby. Jeremy has since confessed to Michelle’s murder. Yet Leo Schofield remains behind bars. In this groundbreaking podcast, Bone Valley host Gilbert King uncovers startling new evidence that Jeremy is responsible for a string of murders. King is the author of the Pulitzer Prize-winning book, Devil in the Grove, which led to the exonerations of four innocent men. Bone Valley is a production of Lava for Good Podcasts in association with Signal Co. No1.

      All There Is with Anderson Cooper

      Anderson Cooper takes us on a deeply personal exploration of loss and grief. He starts recording while packing up the apartment of his late mother Gloria Vanderbilt. Going through her journals and keepsakes, as well as things left behind by his father and brother, Cooper begins a series of emotional and moving conversations about the people we lose, the things they leave behind, and how to live on - with loss, with laughter, and with love.

      Dateline NBC

      Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations.

      Stuff You Should Know

      If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks then look no further. Josh and Chuck have you covered.

    Advertise With Us

    For You

      Music, radio and podcasts, all free. Listen online or download the iHeart App.


      © 2022 iHeartMedia, Inc.