Stream Benefits Newsletters

Ensuring Your Company's Insurance Needs

As we move through the year 2015, our health insurance carriers continue to provide their interpretation of the Affordable Care Act (ACA) regarding coverage renewals.  And there are a handful of possible interpretations that follow.  But one aspect of insurance for all of these carriers remains constant–your group will have an opportunity to stay with the same plan for another year, if you so desire.

Most of you have a coverage renewal already set for the 4th quarter of 2015.   Depending on the insurance carrier, you may have several options at your disposal, including:

  • To remain with your grandfathered plan
  • To downgrade your current plan
  • To move to an ACA plan, or
  • To change your renewal date for 2016.

In the next few weeks I will be providing more information directly to you regarding your specific situation.  I will work with you on all of your options, making sure we have met the needs of your firm, and ensure that we reach the best possible conclusion for your needs.

Scott Stream Community Involvement Update

As many of you know, I have been involved with a number of activities in Kirkwood for quite some time.  I have served as President of the Kirkwood Board of Education and Chairman of the Kirkwood Des Peres Chamber of Commerce during the past 5 years.  And now, after much consideration, I have decided to run as a candidate for Mayor of Kirkwood.  The election is April 5, 2016.

If I am fortunate enough to be elected, I will still be very active as an insurance broker with my agency, Stream Benefits Group.  The mayoral position in Kirkwood is not a full time position.  Even though I will have a number of responsibilities, the city charter provides for the Chief Administrative Officer to oversee the daily operations of the city.

I look forward to working with you and your employees for years to come.  Please don’t hesitate to contact me with any questions you may have.



A couple of weeks ago I gave a presentation to business owners and interested individuals on the various aspects of a Health Savings Account. This is a health insurance plan and tax savings vehicle wrapped into one product. The Health Savings Account can be used by businesses and individuals. Included in this newsletter is my presentation which also incorporates my powerpoint slides. The full video lasts about 17 minutes. Feel free to review at your leisure and please don't hesitate to contact me with any questions.


As we enter the latter part of 2014, many of you will be facing the renewal of your health insurance program.  You will be receiving notifications from your insurance carrier reviewing your options.  With either an individual policy or a group plan, there are many moving parts at this renewal.

These are the two overriding issues that you will be facing:

  • You may be able to stay in the exact same plan you have now for another year.
  • You will be able to move into an Affordable Care Act(ACA) plan if you desire.

And depending on the plans/rates that you are offered will assist in determining the best direction for you.  There is not a “one size fits all” solution for this renewal.

I will be working for and with you during this process.  I will help you strategize in order to find the correct insurance plan that meets your particular needs.  Please don’t hesitate to contact me with any questions along the way.

Thank you for allowing me to work with you on your insurance needs.