Quality Excellence Program

Business Network Long Distance employees are sought out and hired for their concern for excellence and the need to satisfy our customer base. We care about our customer’s needs and their security.  There are no corners cut when it comes to the quality assurance process we implement for every customer we provide with our services. Every sale we make is triple checked to ensure that all standards were met throughout the entire five step quality process.

The five step quality process we use here at Business Network Long Distance is a practice we have perfected over the years. Step one of the process is to record and review one hundred percent of the calls that are made by our sales representatives for maximum quality assurance. Step two is to use a live third party verification company to confirm that our customers wish to use our service after a customer decides that they would like to take advantage of what we offer. Step three is to immediately call the customer back to validate the sale and that they were in fact the person who authenticated the change. Step four is another layer of protection for our customers where we will actually place a forty-eight hour hold on any changes to ensure that the customer does not change their mind, but if they wish to do so they can cancel before the sale gets processed. The fifth and final step is for an automatic review and then a manual review to guarantee that the sales representative did their job properly and that all five steps of the quality process we in fact followed.

Here at Business Network Long Distance we have a training regimen that every new employee will have to endure before they will have the privilege of being considered a Business Network Long Distance employee. Our staff takes pride in the service that we are providing and the close working relationship we enjoy fosters an environment that makes it a delight to show up to work each and every day. It is our hope that each and every customer we encounter is thoroughly satisfied with our service. 

5 Facts about Health Insurance Policies

We know that this economy has a lot of people struggling.  We keep our rates low and affordable to help with long distance costs.  However, what about other parts where you could save money?

These are some tips about health insurance plans.  Many health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws.

1. DOES YOUR PLAN COVER YOU ON AND OFF THE JOB?

Many health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws. Now read that last sentence again.

COULD HAVE BEEN COVERED!?

That is correct. Most self employed people and even some small business owners do not carry Workers Comp on themselves.

There are designed insurance plans that will cover you on and off the job — 24-hours a day, if you are not required by law to have Workers Compensation coverage.

2. ARE YOU WRITING IT OFF?

Independent contractors (1099's), home based business owners, professionals and other self employed people generally are not taking advantages of the tax laws available to them.

Many people who are paying 100% of their own costs are eligible to deduct their monthly insurance payments. Just that alone can reduce your net out-of-pocket costs of a proper plan by as much as 40%. Ask your accounting professional if you are eligible and/or check out the IRS website for more information.

3. INTERNAL LIMITS
All true insurance plans use some form of internal controls to determine how much they will pay out for a particular procedure or service. There are two basic methods.

-Scheduled Benefits

Many plans, some of which are specifically marketed to self employed and independent people, have a clear schedule of what they will pay per doctor office visit, hospital stay, or even limits on what they will pay for testing per 24-hr. period. This structure is usually associated with "Indemnity Plans". If you are presented with one of these plans, be sure to see the schedule of benefits, in writing. It is important that you understand these type of limits up front because once you reach them the company will not pay anything over that amount.

-Usual and Customary

"Usual and Customary" refers to the rate of pay out for a doctor office visit, procedure or hospital stay that is based on what the majority of physicians and facilities charge for that particular service in that particular geographical or comparable area. "Usual and Customary" charges represent the highest level of coverage on most major medical plans.


4.YOU HAVE THE ABILITY TO SHOP!

If you are reading this you, are probably shopping for a health plan. Every day people shop, for everything from groceries to a new home. During the shopping process, generally, the value, price, personal needs and general marketplace gets evaluated by the buyer. With this in mind, it is very disconcerting that most people never ask what a test, procedure or even doctor visit will cost. In this ever-changing health insurance market, it will become increasingly important for these questions to be asked of our medical professionals. Asking price will help you get the most out of your plan and reduce your out-of-pocket expenses.

5. NETWORKS AND DISCOUNTS

Almost all insurance plans and benefit programs work with medical networks to access discounted rates. In broad strokes, networks consist of medical professionals and facilities who agree, by contract, to charge discounted rates for services rendered. In many cases the network is one of the defining attributes of your program. Discounts can vary from 10% to 60% or more. Medical network discounts vary, but to ensure you minimize your out-of-pocket expenses, it is imperative that you preview the network's list of physicians and facilities before committing. This is not only to ensure that your local doctors and hospitals are in the network, but also to see what your options would be if you were to need a specialist.

Ask your agent what network you are in, ask if it is local or national and then determine if it meets your own individual needs.

Contact your health insurance provider and make sure you and your employees are covered for every situation.

Save money on your long distance bill with help from Business Network Long Distance!