SATURDAY, DECEMBER 9, 2017 ❚ SIUSLAW NEWS
Common Small Business Health
Insurance Misconceptions
(NAPSA)—Running a small business is
challenging enough without the confusion
health insurance can cause. Too often, the
resulting angst is driven by common mis-
conceptions that an experienced benefi ts
advisor can help dispel.
Health insurance continues to be one of
the most important and valued benefi ts that
employers can offer workers. After salary, it
is consistently the top factor for attracting
and retaining talent, according to numerous
employee benefi t studies by Glassdoor and
others. This is the case whether a company
has two employees or 2,000.
Navigating the employer-sponsored
benefi t landscape, however, can be especial-
ly daunting for small businesses. Cost and
compliance considerations alone can seem
impenetrable.
But these perceptions are frequently
rooted in fallacy rather than fact, said Ron
Goldstein, president and CEO of CHOICE
Administrators, the nation’s leader in devel-
oping and administering employee-choice
health benefi t programs and exchanges
for small employer groups. The company’s
exchanges include the country’s fi rst and
only multicarrier private exchange, Califor-
niaChoice.
Goldstein cites three of the most fre-
quent misperceptions amongst small busi-
nesses as follows:
• It’s too expensive. While there are
certainly costs involved with offering health
insurance, providing coverage options does
not mean a company has to break the pro-
verbial bank.
“As with any operational expense, the
fi rst order of business is to establish a bud-
get,” said Goldstein. “An agent can then work
with their client on what is most appropriate
and affordable for their needs.”
One example is using a tool such as de-
fi ned contribution. This is where a business
provides each employee with a fi xed dollar
amount they then can choose how to spend.
Workers can select from a set of health plan
choices and pay the difference not covered
by the employer’s contribution. So if they
want to spend additionally for a more bene-
fi ts-rich plan, they can.
In turn, a company is able to lock in costs.
This provides budget controls that can be
planned and managed monthly and annu-
ally.
• It won’t meet everyone’s needs. Small
businesses can fi nd and offer health plan so-
lutions that meet the diverse needs of their
workforce, and professional agents can help
point the way.
Well-designed health care exchanges,
for instance, can be a great option for of-
New systems and technology can make it
easier for small businesses to provide qual-
ity health care.
fering a wide selection of health insurance
plans that ensure choice and access to care
for employees who most likely need very
different coverage. A 22-year-old just start-
ing her fi rst job will likely want a different
plan than a 59-year-old sales manager with
a spouse, three children and plans to retire
in the near future.
A good exchange, then, can offer mul-
tiple health insurance plans within a single
package. So regardless of which options em-
ployees select, businesses get one monthly
itemized bill and can manage overall ben-
efi t offerings through a single website and
online portal, all with the support and guid-
ance from their broker or benefi ts advisor.
• It’s too complicated. The industry
might be complex, but offering health in-
surance does not have to be overly diffi cult
for a small business because there are re-
sources and experts available to shoulder
the details.
“There are many products and platforms
that simplify administration by consolidat-
ing information and processes into easy-
to-use automated systems,” said Goldstein.
He added that many carriers and providers
have in fact already moved to implement
some form of online enrollment. This helps
streamline processing and speeds up un-
derwriting. But it also provides one point of
entry from where employers and employees
can then move on to review and compare
options, choose and enroll in a plan, and
manage their benefi ts throughout the year.
While health care can be mystifying,
small businesses need not fall prey to misin-
formation and myths. There are options that
can be affordable, offer a variety of choices
and are relatively easy to manage, especially
with the assistance of a good broker or ben-
efi ts professional. For additional informa-
tion, visit www.mycalchoice.com or www.
calchoice.com.
(NAPS)—Energy
ef-
fi ciency experts at the U.S.
Environmental Protection
Agency predict bright, ef-
fi cient, energy- and mon-
ey-saving LED bulbs will
become the dominant light
bulb technology within the
next three years. More bright
ideas about lighting and sav-
ing are at www.energystar.
gov/bulbrevolution.
One medium Califor-
nia sweet potato has more
than 80 nutrients yet only
105 calories and 0g fat or
cholesterol. They’re widely
available and ready to add
both fl avor and superfood
nutrition to all your favorite
recipes. For recipe ideas
and further information, visit
www.casweetpotatoes.com.
Felix Jams are made
of simple, pure ingredients:
wild handpicked berries,
pure sugar and fresh water
in a time-tested recipe. It’s
the most popular lingon-
berry jam in Sweden and the
U.S.A. For recipes and more
information, visit http://felix-
jams.com.
U.S. lobbyists are re-
portedly taking money
from the “Bulgarian Bernie
Madoff,” Tzvetan Vassilev,
to invoke the Magnitsky Act
against his chief prosecutor.
Invisible bacteria in your
intestine keep you healthy—
if you help them. Many peo-
ple supplement their original
microorganisms with those
in probiotic products such as
Greens First Daily Care cap-
sules, which are triple pro-
tected so you get the most
benefi t from each. Learn
more at https://greensfi rst.
com/product-details/daily-
care.
Blue Circle Foods of-
fers responsibly farmed and
fi shed seafood you can trust.
Blue Circle Foods products
are 100 percent traceable;
free of GMOs, added hor-
mones and antibiotics; and
are sourced using fair labor
practices. For recipes, tips
and more, visit www.bluecir-
clefoods.com.
999 ܂ PUBLIC
NOTICE
999 ܂ PUBLIC
NOTICE
990 ܂ STATEWIDE
CLASSIFIEDS
IN THE CIRCUIT COURT OF THE STATE OF OREGON IN
AND FOR THE COUNTY OF LANE,
THE BANK OF NEW YORK MELLON FKA THE BANK OF
NEW YORK, AS TRUSTEE (CWALT 2005-77T1), Plaintiff v. PA-
MELA K. STATON AKA PAMELA KATHLEEN STATON; GERALD
HEBARD; PAULA HEBARD; REAL TIME SOLUTIONS, INC.; and
all other persons, parties, or occupants unknown claiming
any legal or equitable right, title, estate, lien, or interest in the
real property described in the complaint herein, adverse to
Plaintiff`s title, or any cloud on Plaintiff`s title to the Property,
Defendants. Case No. 17CV12880 SUMMONS BY PUBLICA-
TION TO THE
DEFENDANT: PAMELA K. STATON AKA PAMELA KATH-
LEEN STATON: In the name of the State of Oregon, you are
hereby required to appear and defend the complaint fi led
against you in the above entitled Court within thirty (30)
days from the date of the fi rst publication of this summons.
The date of fi rst publication in this matter is November 18,
2017. If you fail timely to appear and answer, for want there-
of, plaintiff(s) will apply to the court for relief demanded in
the complaint. This is a judicial foreclosure of a deed of trust
in which the plaintiff requests that the plaintiff be allowed to
foreclose your interest in the following described real prop-
erty: A parcel of land in the Southeast one-quarter of Section
27, Township 15 South, Range 12 West of the Williamette
Meridian, described as follows:
BEGINNING at a point on the Westerly right-of-way of U.S.
Highway No. 101, said point bears North 811.65 feet, West
1440.78 feet, and North 2 degrees 47’ West, 234.20 feet from
the Southeast corner of said Section 27; thence North 2 de-
grees 47’ West 175.00 feet; thence South 71 degrees 27’21”
West 373.81 feet; thence South 2 degrees 47’ East, 86.76 feet;
thence North 85 degrees 06’ East, 360.00 feet to the point of
beginning, all in Lane County, Oregon Commonly known as:
95330 HWY 101 S, YACHATS, OREGON 97498.
NOTICE TO THE DEFENDANT:
READ THESE PAPERS CAREFULLY!
You must “appear” to protect your rights in this matter.
To “appear” you must fi le with the court a legal paper called
a “motion” or “reply.” The “motion” or “reply” must be given
to the court clerk or administrator within 30 days along
with the required fi ling fee. It must be in proper form and
have proof of service on the defendant’s attorney or, if the
defendant does not have an attorney, proof of service on
the defendant. If you have questions, you should see an at-
torney immediately. If you need help in fi nding an attorney,
you may call the Oregon State Bar’s Lawyer Referral Service
at (503) 684-3763 or toll-free in Oregon at (800) 452-7636.
The Oregon State Bar`s web address is http://www.osbar.
org. This summons is issued pursuant to ORCP 7. Malcolm •
Cisneros, A Law Corporation, Nathan F. Smith, OSB #120112,
Nathan@mclaw.org Attorneys for Plaintiff 2112 Business
Center Drive, Second Floor, Irvine, CA 92612, P: (949) 252-
9400, F: (949) 252-1032
Publication Dates: November 18 & 25, December 2 & 9,
2017.
• REDUCE
• REUSE
• RECYCLE
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Deadline for today’s paper:
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SERVICES:
DENTAL INSURANCE. Call Physicians Mutual Insurance
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Here is how it works…
We will put a graphic or photo in the box to the
left. You find it somewhere in the classifieds.
Come into our office, Enter your name, phone
number and describe where you found the graphic
That
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2017 RICKREALL GUN SHOW. Sat, Dec. 9, 9-5. Sun, Dec.
10, 9-3. Adults $7 (Kids under 12 FREE). FREE PARKING.
Polk County Fairgrounds. Rickreall, OR. 503-623-3048.
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Good Luck
Saturday’s
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990 ܂ STATEWIDE
CLASSIFIEDS
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Always in your newspaper:
Now in your inbox, too.
9B
BILL NASON found the Pearl Harbor
Remembrance Day Graphic on page 9B
(Bottom right corner of heading ‘Pointers
For Parents’)
He won a gift certificate to
The Chicken Coop.
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TRADESMAN and recently diagnosed with LUNG
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C ontractor? L ooking
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The following businesses are ready and waiting for YOUR
Call!! Wednesday and Saturday in the Siuslaw News
D-040
D-077
BLINDS / INTERIOR
ELECTRICAL
D-182
For What’s Bugging You
Free cordless upgrade on shades
(offer thru Dec. 31, 2017)
Environmentally Responsible
Free Inspections
Blinds • Shades • Draperies • Shutters
We Design ~ We Install
541-997-4027
Residential • Commercial • 30 Years Experience
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D-070
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541-991-3405
CCB#79884
CONSTRUCTION/CONTRACTORS
D-222
REAL ESTATE
Lynnette Wikstrom – Broker
(541) 999-0786
Living in the Florence area since 1979.
COAST REAL ESTATE
D-085
DEQ#37263
CB# 91052
D-266
WINDOWS
Yes! WE DO WINDOWS!
Window Cleaning
P H . 541-997-2054 • F AX 541-997-3499 • 1-877-201-0652
P.O. B OX 3467 • 1770 L AUREL P L . • F LORENCE , OR 97439
CCB#167683
LEISURE EXCAVATING INC.
Robert’s Handyman Service
G ENERAL C ONTRACTOR
We specialize in Structural Problems and Dry Rot
Call Robert or Marcus
541-997-5970 • 541-991-7870 (cell)
30 Years Experience • Reasonable Rates• Senior Discount • Lic. #209676
Ray Wells, Inc
E XCAVATING • S EPTIC S YSTEMS • S UBDIVISIONS
L AND C LEARING • P AVING • T RUCKING
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Design ~ Construction ~ Remodel
Additions ~ Rot Repair ~ Etc.
Residential • Commercial
541.268.1961
100 Highway 101
Florence, OR 97439
EXCAVATING
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DEQ
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TOPSOIL WHEN AVAILABLE
Call for Free Estimate –
997-6300
Commercial • Residential
Connie, Bill & Mike Spinner–997-8721