OFFICERS: Bob Hansen, Funway Entertainment Cen- ter, President Jeanne Harms, Organize, Inc., Immediate Past President Rob Hollis, K.Hollis Jewelers, President Elect Batavia Business D E C E M B E R , 2 0 0 6 Marcia Boyce, Boyce Body Werks, Treas- urer The “Hows” Are Easy George Gladis, Volkman Insurance, Secre- tary DIRECTORS: Dr. Jack Barshinger, School District 101 Janice M. Christiansen, J.C. Schultz/ The Flag Source by Roger Breisch, Executive Director Jeff Clark, Batavia Park District Gretchen Fliris, Baymont Inn & Suites Roger Harris, Producers Chemical A number of years ago, a friend ment comes in the weeks prior long hours our volunteers put Company, Inc. turned to me, during a conversa- when I contemplate the message forth that make the difference. It Julie Phillips, Sir Speedy Printing/Naperville Randy Recklaus, City of Batavia, tion about the importance of I hope to deliver and how I plan is when those hours, activity and Legislative Liaison mission, and said, “I was once to get from my opening phrase attention to detail are guided by Scott Salvati, Lighthouse Marketing Services, Inc. told that the ‘hows’ are easy, to what I hope will be a meaning- a deep passion for something Margot Shewalter, Harris Bank once the ‘whys’ are big enough.” ful conclusion. Thinking deeply truly important that magic hap- Jess Toussaint, Waubonsee Community College Recently, the Sugar Grove about what I believe and what I pens. Chamber asked me to join them care about can often be a cathar- As a Chamber, our mission is Executive Director, Roger E. Breisch for lunch to discuss the Batavia tic experience. to support and improve the Accountant: Darlene Kennedy, Wieland, Chamber’s success over the last So what did I share? I told them area’s economic environment Kennedy & Company. couple of years. The invitation that the Board, staff and volun- and vitality. While we have indi- came from Teri Leatherbury, teers have worked diligently to rect indicators of progress— who is Executive Assistant to ensure that everything we do is membership and revenue are up, President Christine Sobek of done significantly better than in as is attendance at many of our IN THIS ISSUE: Waubonsee Community College. the past. Tiffani Heidelberg’s events—we have no measures The “Hows” Are Easy She and Dr. Sobek have been vision and attention to detail that validate our impact on the 1 extraordinarily generous in their with regard to the Annual local economy. Nominations for 1 descriptions of our recent pro- Awards Dinner is a perfect ex- But, to the extent that my job Citizen of the Year gress. ample. She and the Board took is about improving some faceless In spite of my having been at what had become a delightful “economic environment,” I have December Calendar & 2 this task for such a short period, party, and reconceived, recre- little interest or passion. Instead Events I agreed to go to Sugar Grove ated and reintroduced it as, if I I am filled with gratitude when- City Update 3 for two somewhat selfish rea- might claim a title, Batavia’s pre- ever I can see it in the eyes of sons. First, I find it difficult to mier annual event. That effort is individual Chamber members Member-to-Member 3 refuse any opportunity to let indicative of what we have tried that, in some small way, we have Discounts others know about an organiza- to do with every resource we helped them find new meaning New Chamber 3 tion and community I have come have had at our disposal. in their lives. When that is the Members to love. The lesson for me, however, is reason I come to the office each Secondly, for me , the primary that it is not the hard work, not morning, how we proceed is U.S. Chamber 4 benefit of any speaking engage- the attention to detail, not the significantly easier to discern. Membership Now Part of Your Benefits! Citizen of the Year Nominations Sought With the Elections 4 Over, Now What? BUSINESS 5/6 INTELLIGENCE REPORT Mark the date in your calendar! highest honor: Citizen of the each year in the community. Health Insurance 101 On January 27, 2007, the Cham- Year. To be eligible, the nominee Some of the past winners repre- 7 ber will return to the magnificent must be a resident of, or have sent all that is wonderful about News & Notes About 8 atrium of Wilson Hall at Fermi- their business in Batavia. In addi- this community, having given so Chamber Members lab for the Annual Awards Din- tion they must have made signifi- mush of themselves to others. ner. At that event, the 2006 cant contributions to the com- Batavia is blessed to have so Chamber Events 9 Citizen of the Year will be hon- munity over the course of their many individuals who deserve Registration ored, as will the winners of the life, and the contribution should this honor.” annual Ole Award for new con- not be as a result of their pri- Letters of nomination should Premier Members 10 struction. mary employment. be sent to the Chamber no later Between now and December Executive Director, Roger than Friday, December 15. 15, the Chamber is seeking Breisch, explains, “This is the nominations for the community’s highest honor given to a citizen PAGE 2 DECEMBER 2006 Sun Mon Tue Wed Thu Fri Sat 1 2 3 4 BWIB Council 5 Networking Group 6 Chamber 7 8 Executive Com- 9 (Panera) 11:30a (Panera) 8:00a Ambassadors (City mittee (Chamber Hall) 8:00a Offices) 7:45a City Council 7:30p 10 11 12 Leads Group 13 New Member 14 Eggs & Issues 15 16 (Panera) 7:30a Breakfast (Fox (Eagle Brook) 7:30a River Waffle House) BWIB Luncheon 8:00a Indigo Photographic (Mill Creek) 11:30a BAH (Venice Ribbon Cutting Tavern) 4:30p 5:00p 17 Inner Elements 18 City Council 19 Networking 20 Member Man- 21 Operations 22 23 Pilates Ribbon 7:30p Group agement Commit- Committee Cutting, 2:00p (Panera) 8:00a tee (FROOTS) (Chamber) 7:30a 7:30a Community Rela- tions Committee (Funway) Noon 24/31 25 26 27 Chamber Board 28 29 30 (City Hall) 7:30a Events Not To Be Missed Tue, Dec 12, 11:30a— Chamber's very first Holiday Brook Country Club (2288 BWIB December Net- Celebration at the Venice Fargo Blvd., Geneva) RSVP working Luncheon. BWIB Tavern (31 N. River Street). ($20 for members) invites you to Mill Creek Golf Each guest is encouraged to Thu, Dec 14, 5:00p— Club (39W525 Herrington bring a wrapped gift worth Indigo Photographic Drive, Geneva) for its very $25 to exchange—preferably Ribbon Cutting. Michael popular holiday networking something from your business. Barton invites the Chamber to luncheon. The event will in- In order to plan for food, join him as he officially opens clude raffle prizes. In addition, please call Owen or Kelly to his new studio at 117 S. Bata- we will be collecting new, reserve your place (630-761- via Avenue. Join us as we cut unwrapped toys and gift cards 3334) before December 6! the ribbon and share in some to benefit the Batavia ACCESS Thu, Dec 14, 7:30a—A light refreshments. Toy Drive. (RSVP, $25 for Post-Hastert Congress… members) Sun, Dec 17, 2:00p—Inner Store Manager Jeffrey Now What? What will be Elements Pilates Ribbon (JR) Richards and Mayor Wed, Dec 13, 8:00a— the impact of a Democratically Cutting. Join us on Decem- Jeffery Schielke cut a Quarterly New Member controlled Congress on issues ber 17 at 2:00 p.m. for the ribbon at the Grand Breakfast. Join us at the Fox that impact business? How will grand opening and ribbon Reopening of the newly River Waffle House (5 Web- Speaker Pelosi change the cutting at Inner Elements Pi- remodeled OfficeMax on ster Street) for an orientation focus set by Speaker Hastert? lates (1001 E. Wilson Street, and breakfast for our newest Melanie Bassett, Executive Suite 140). Owner Charlotte Randall Road in Batavia. members. Current members Director of the Great Lakes Trux is excited to introduce are encouraged to come and Region of the U.S. Chamber you to her new facility, and welcome them. (RSVP) will discuss the future of na- show you the benefits of living Wed, Dec 13, 4:30p— tional legislation and its impact a healthier, more engaged Chamber Holiday Cele- on your business. She is VERY lifestyle. bration at Venice Tavern. well informed. Don't miss this You won't want to miss the event! We will be at Eagle BATAVIA BUSINESS PAGE 3 City Update by Roger Breisch On November 17, that same that the apparent low bidder is likely, you will see the barri- day the Batavia Chamber, the a local firm, Illinois Construc- cades go up by the end of City and Batavia MainStreet tors Inc., with significant ex- February. With cooperation officially released the B.I.G. perience with bridge construc- from Mother Nature, by early Book (Bridge Information tion. In addition, their bid 2008 we will be planning an Guide), City engineer Noel came in at $9.6 million, ap- extravaganza to welcome the Basquin was in Springfield proximately $600,000 below new auto and pedestrian awaiting the opening of the construction estimates. crossing to the City of Batavia! bids for reconstruction of the With that major hurdle suc- Watch this column for a Wilson Street bridge. cessfully overcome, construc- more detailed construction The City was pleased to learn tion is set to begin. More than schedule by the New Year. Member-to-Member Discounts In the past month, three As a result, if you are inter- section on our website where members of the Batavia Cham- ested in offering a discount to this information will be kept ber (K.Hollis Jewelers, Wal- other organizations who have current and instantly available. Mart Vision Center and MJT seen fit to invest in the future In the meantime, if you need Accounting & Business Solu- of the community by becoming a gift for the holidays, are con- tions) independently contacted a member of the Batavia sidering an eye exam or need the Chamber offices hoping to Chamber of Commerce, con- help with your accounting, offer a Member-to-Member tact the Chamber with the contact Karen Hollis (K.Hollis discount. It became clear that specifics of your promotion. Jewelers), Dr. Jennifer Geertz we currently have no adequate We will then communicate the (Wal-Mart Vision Center) or means of promoting what entire list to our membership. Michael Tassi (MJT Accounting should be another valuable In the near future, we hope to & Business Solutions) today! member benefit. initiate a “Members Only” The Chamber Welcomes New Members Collision Centers of America Insurance Direct Realty Executives Excellence Mr. Robert W. Brandimore Ms. Karen Ducoff Ms. Cori Seider 820 S. River Street 29 S. River Street 122 N. Van Nortwick Avenue Batavia, IL 60510 Batavia, IL 60510 Batavia, IL 60510 Phone: (630) 879-7964 Phone: (630) 406-9800 Phone: (630) 284-9033 Fax: (630) 513-1664 Fax: (630) 406-9898 Fax: (630) 761-8980 e-mail: firstname.lastname@example.org e-mail: e-mail: email@example.com Web Site: firstname.lastname@example.org Web Site: theseiderhouserules.com ColisionCentersofAmerica.com Web Site: insurancedirectonline.com Please Note: In the last issue we Delnor Glen Senior Living Junior Achievement of Chicago incorrectly listed the email for Ft. Ms. Cathy Duer Ms. Meg'n Braida Dearborn Relocation Management. The 975 N. 5th Avenue 150 W. Warrenville Road correct email address should be St. Charles, IL 60174 Naperville, IL 60563 mbohr@Ft-Dearborn.com. We Phone: (630) 443-8220 Phone: (630) 357-4493 regret the error and apologize for any Fax: (630) 443-7827 Fax: (630) 420-4832 inconvenience. The correct email is now e-mail: email@example.com e-mail: firstname.lastname@example.org listed on our website. Web Site: delnorglen.com Web Site: jachicago.org BATAVIA BUSINESS PAGE 4 U.S. Chamber Membership Now Part of Your Benefits! As of December 11, if you are a Small Business Center with tool- analysis, and commentary from small business, you will be a mem- kits (finance, hiring, government U.S. Chamber President and ber of the U.S. Chamber of Com- contracting, startup, sales, tax, CEO Tom Donohue. merce with full membership bene- trade and more), regional news Legislative alerts to notify you of fits. The cost to you? Nothing. and information about small pressing policy initiatives. Get Zero. Zilch. Nada. It’s now in- business issues. involved in the issues that affect cluded as a benefit of your invest- Discounts on products and ser- the business community and ment in the Batavia Chamber. vices from the U.S. Chamber’s quickly contact members of Last month the Batavia Chamber affinity partners. From shipping Congress when it matters most. joined the U.S. Chamber’s Federa- to staffing, the Chamber and its The Chamber’s monthly flagship tion Partnership program—a pro- partners have the tools to save publication uschamber.com. gram available only to associations your business money, and the and chambers of commerce. Our The Batavia Chamber is con- solutions to help you run it participation in this program gives stantly striving to insure that your more efficiently. each of our small business mem- investment in this organization The Chamber’s e-newsletter, provides you with substantial re- bers full rights as members of the uschamber.comWeekly filled with U.S. Chamber. You will receive the turns. Membership in the U.S. news on legislative and regula- Chamber of Commerce is one following benefits: tory developments, highlights more way for us to guarantee that Access to the “Member’s Only” from the online small business return. sections of the U.S. Chamber’s toolkits, economic forecasts & With the Elections Over, Now What? By Thomas J. Donohue, President and CEO, U.S. Chamber of Commerce, November 14, 2006 Last Thursday I sent you a special priorities: the creation of small business message saying that while we Taxes. A rollback of the existing health plans is somewhat dim, al- wished our candidates had fared Bush tax cuts seems remote. In- though it continues to pick up better in the elections, the U.S. coming chairman of the House more support in the Senate, where Chamber is still a highly influential Ways and Means Committee, it has failed several times. organization and will continue to Charlie Rangel, has said there Legal Reform. It's well known build pro-business coalitions across "wasn't a single tax cut I can think that trial lawyers are primary con- the aisle to advance our members' of that we would repeal." How- tributors to the Democratic party. priorities. ever, the outlook is murky for With Democratic control of Con- With the midterms now behind extending the Bush tax cuts beyond gress, logic would suggest federal us, what can we expect from the their expiration in 2010. It's unclear legal reform efforts aren't likely. new Congress in January? In some if this Congress or the next will But that may not be the case, as ways, the 110th Congress will be decide, or who will control Con- there is great public support to end more conservative than the 109th. gress after 2008. A deal on the frivolous and abusive lawsuits. It's Many moderate Republicans lost, death tax is still possible, as is the also important to note that many leaving the remaining Republicans revival of a research and develop- of the key battles are taking place more conservative as a whole, and ment tax credit--that could actually at the state and local level, where several conservative, pro-business come during the lame duck session. our Institute for Legal Reform is Democrats won, creating a coun- Health Care and Labor. Big very active and winning victories. terbalance to the liberal Democrats labor is chomping at the bit to cash To avoid being labeled a "do- who are already serving. On the in its chits with Democrats, the nothing" Congress, the Democrats other hand, the Democrats have only party it has supported for will feel pressure to produce legis- said they will follow the seniority decades. At the top of its list is a lative accomplishments that they system, putting many of the "liberal minimum wage increase, which can run on in 2008, and that gives lions" who have not always held appears increasingly likely. We will us an opportunity to move some of pro-business positions in charge of do everything we can to fight it, or our items. I believe that we can get committees that set the congres- short of that, win "offsets" to cush- more done than most people think. sional agenda. Here's a quick out- ion the blow to small businesses. look of some key small business The outlook for legislation allowing BATAVIA BUSINESS PAGE 5 BUSINESS INTELLIGENCE REPORT NEWSwatch...News & Trends Affecting Today’s Business Need money for your business? The best financing strategies change over time. Here are some of today’s best strategies. First of all, avoid using credit cards. While fully half of all small businesses relied on credit cards for working capital back in 2000, only 11% do so today. Why? Higher home values and low interest rates gave homeowning entrepreneurs easy access to inexpensive lines of credit. Now that the housing boom is over, many business owners may be tempted to use plastic again. However, credit cards have new pitfalls like higher interest rates, two-cycle billing (which tacks on extra interest) and new laws make it more difficult to retire credit card debt in the event of bankruptcy. For start-ups, a better approach may be to take a stab at getting venture capital (VC). In the past, VC firms would rarely consider investing in seed-stage companies, but that currently isn’t the case. In 2005, VCs invested $786 million in seed-stage deals. If you’re looking for between $2 million and $5 million, consider angel investors. Many angels now work closely with institutional investors and have become more comfortable in this funding range. If you need to raise $5 million to $10 million, it’s back to the VCs. At this level, you’ll have your best chance to grab funding if your company deals in “clean technologies” like water purification, ethanol and efficient manufacturing. Source: Inc. Magazine, October 2006 ‘Social shopping’ gets small businesses noticed A new breed of websites promise to connect independent-minded shoppers with difficult-to-find prod- ucts. Sites like ThisNext.com, Kaboodle.com, Wists.com and StyleHive.com are spearheading a new cate- The Batavia Chamber gory of e-commerce called “social shopping” that combines two favorite online activities: shopping and purchases the rights social networking. These sites are hoping to ride the MySpace wave by gathering people online to swap to reprint excerpts shopping ideas. A chronic problem in the e-commerce arena is that many shoppers aren’t sure exactly what to buy, but from the Business they know they won’t find it among the commodity-like products on the websites of mainstream retailers. Intelligence Report. Social shopping sites provide a platform for guidance based on recommendations of uber-shopper site We welcome your members who each have their own profiles. comments. Social shopping could be a boon to small businesses, with word-of-mouth potential that outweighs what they might otherwise be able to generate on small business marketing budgets. Sources: The New York Times, September 11, 2006; eMarketer, September 15, 2006 (Continued on page 6) IDEAwatch...Tips for Growing Your Business Get the word out about tell you what they really think. Suite 605, Alexandria, VA 22314 Hosting a holiday party for your company by taking ad- For example, instead of asking Boost your online sales by your customers and staff? Help vantage of the slowest news “What do you like about the new increasing the amount of informa- shelter yourself from liability issues times of the year—with the bonus plan?” ask: “Do you like tion about your products. In a by serving cocktails for no more week between Christmas and the new bonus plan? Why or why recent survey by Allurent Inc., a than two hours. This policy will New Year’s being the mother of not?” Source: Manager’s Edge, rich media applications provider, protect your attendees from poten- all slow times. The offices are 300 N. Washington St., Suite 605, 67% of consumers who visited an tial embarrassment or harm and typically short-staffed, so jour- Alexandria, VA 22314 online store intending to make a help protect the company from nalists are hungry for news sto- Provide your employees purchase left because the retailer potential lawsuits. Source: PHC Profit ries. This is also a good time to with meaningful team- did not provide enough informa- Report, 3150 River Rd., Suite 101, contact reporters with the sole building experiences through tion on the product. The survey Des Plaines, IL 60018 purpose of building a relation- charitable volunteer projects. In also found that 83% of consumers Consider offering podcasts to ship and discovering what they addition to learning new skills and polled would buy more online if educate business-to-business are interested in writing about. building camaraderie, participants retailers added more interactive prospects. Essentially a download- Source: beheardsolutions.com are contributing to society. In and interesting ways to display able audio or video file, podcast What are your employees many metropolitan areas, volun- and purchase products. Some of technology is attractive because not telling you? When you teer centers have been estab- the most requested features in- prospects can listen to your infor- announce major changes, don’t lished that help link companies cluded 360 degree product views, mation at their convenience on a assume that silence equals sup- with volunteer opportunities. the ability to customize a prod- computer or portable device such port. People who disagree are VolunteerMatch.org recently uct, customer-generated product as the iPod. According to a survey less likely to speak up. It’s im- boasted more than 35,000 post- reviews, product zoom and color conducted by KnowledgeStorm and portant to ask for feedback in a ings nationwide. Source: Trend selection. Source: (Continued on page 6) way that will prompt people to Letter, 300 N. Washington St., www.internetretailer.com BATAVIA BUSINESS PAGE 6 10 Cravings of a New Generation of Consumers THERE’S A NEW GROUP of renegade, passionate consumers ess in our daily lives. Consumers rely on editors to sift through the raw who are changing the rules of the marketplace: Meet the Con- data and identify the top picks. As a result, many savvy brands are learning nected Generation. It doesn’t matter whether you’re a fashion to build editing mechanisms into their brands, products and websites. designer, a nonprofit organization or a sporting goods outlet, 6) Keep it underground: The rejection of push advertising and you need to understand what makes this generation tick. the rising influence of peer-to-peer networks. The Connected Gen- Why the Connected Generation? They’re connected to tech- eration has grown up feeling saturated with advertising. They are suspi- nology and their social networks around the clock. They’re all cious of ordinary “push” campaigns and gravitate toward integrated, con- but immune to traditional advertising and will only pull in the textual offerings from trusted friends and members of their networks. A products that they want. In fact, this group of consumers has 10 select group discovers something new, from shoes to bands to politics to highly specific cravings that drive their behavior: neighborhoods, and translates it to satisfy a much wider audience. 1) Shine the spotlight: Extreme personalization gives 7) Build it together: Connected citizens explore their creative marketing a new face. The Connected Generation is clamor- power and influence change. With so many people conducting large ing for personal recognition. They’re itching to stand out, stand portions of their lives online, we’ve only just begun to tap into the power up and be celebrated with their names in lights (or print or pix- of Web-based networks. The Connected Generation is becoming intoxi- els). Businesses that tap into this powerful need with highly crea- cated by its growing ability to spark change—both as consumer groups tive efforts will get not only great buzz but a whole new level of and as end users. loyalty and brand ownership to match. 8) Bring it to life: Everyday activities are orchestrated to de- 2) Raise my pulse: Adventure takes its place as the liver a dramatic sense of theater. From beverages to designer fash- new social currency. There is a new premium placed on ven- ions to dinnertime solutions, brand theater is popping up in virtually every turing into the world, collecting exotic adventures and memo- industry as savvy companies deliver compelling and entertaining new ex- ries, and pushing personal limits. Customers are seeking highly periences. It takes typical experiences a few steps forward by engaging the interactive encounters that teach and challenge, and give them senses, the imagination and the spirit, and transforms routine experiences personal insight to explore who they are. into riveting entertainment. 3) Make loose connections: The new shape of 9) Go inward: Spiritual hunger and modern media find com- “families” and social networks. The Connected Generation mon ground. Increasingly, the meaningful life is defined as the spiritual has embraced technology to build social and professional net- life, and spirituality has become a dominant value among today’s consum- works with a brave new structure. This generation is rejecting ers. The Connected Generation has embraced modern media and blurred traditional associations and club-style memberships in favor of the lines between secular and sacred, finding spirituality in all aspects of loose connections that more accurately reflect their interests, their lives. lifestyles and busy days. 10) Give back: Redefining volunteerism and the meaning of 4) Give me brand candy: Everyday objects get sharp, contribution. There’s a new spirit of volunteerism in the air, led by a delicious, intuitive design. Design has emerged as a sign of young Connected Generation that has new ideas about how to give back. the good life. The look and feel of objects, places and things is Today’s volunteers want to give their time and talent instead of simply becoming increasingly important. Design, along with its strategic writing a check. twin innovation, has become a vital tool to stand out and stay Lisa Johnson and Cheri Hanson are coauthors of the new book, Mind Your strong in an increasingly competitive market. X’s and Y’s: Satisfying the 10 Cravings of a New Generation of Consum- 5) Filter out the clutter: Editors and filters step into a ers, and cofounders of the Reach Group (www.reachgroupconsulting.com), a new role of prominence. In a world inundated with choices, boutique consultancy that provides insights about the Connected Generation. editing is a critical market phenomenon and an important proc- IDEAwatch (Continued from page 5) to label them. To do this, let it be NEWSwatch (Continued from page 5) Universal McCann, 41% of b-to-b known that what you’re giving up is Giving customers something to brag about respondents said they had listened costly to you, and emphasize how Typically when you think of status symbols, you think of prod- to podcasts on more than one it will benefit the other side. Don’t ucts and services that are too expensive, too scarce or too inac- occasion. Furthermore, 55% of give up on your original demands cessible for the average consumer. However, as consumers respondents said they would be too hastily. Spend time legitimizing increasingly value creativity over passive consumption, skills are more likely to consume business or the original offer so that it can be becoming the new symbols of status. The emerging trend of technology topics as a podcast used as a reference point when “status skills” refers to those skills that consumers are mastering rather than in a white paper for- labeling a concession. To increase to make the most of those same goods and services, bringing mat. Source: www.btobonline.com the likelihood that you get some- them status by being good at something, and the story telling How you make a concession thing in return for your concession, that comes with it. during a negotiation can be as try to explicitly—but diplomati- Companies that are helping customers gain new, status- important as the concession itself. cally—demand reciprocity. Source: worthy skills include Harley-Davidson’s Academy of Motorcy- Counterparts will often downplay Harvard Business School’s Working cling, upscale kitchen seller Viking’s Cooking School and Apple’s your concessions, so it’s important Knowledge, hbswk.hbs.edu in-store classes for creative applications. Regardless of the size of your business, by offering status skills you can give customers an experience they’ll find valuable and want to brag about to friends. Source: Trendwatching.com, Oc- tober 2006 BATAVIA BUSINESS PAGE 7 Health Insurance 101 by Kristen Beth Offenbecher, Kastel Insurance Partners Is dealing with your insurance one fice. Using a network could save encounter is billing problems at of the greatest frustrations you you money, or in the case of an “Emergency Care Facilities” or face? When you receive statements HMO using the network will help “Walk-in Care Clinics”. These from your healthcare provider, do make sure the claim is paid. providers are convenient, but you you dread dealing with the seem- What happens in case of an Emer- should ask up front how they bill, ingly inevitable insurance errors? It gency? If you don’t know, you because it will make a difference on doesn’t matter what kind of mis- could get stuck with unnecessary how the bill gets paid. If they bill as take it is, someone has to pay, and if bills. Check to see which hospitals a hospital on a form UB40, your you are not paying attention, it are in-network and close to your claim will be processed like a trip could be you. home, then tell all family members to the emergency room. If they bill What do you really need to so they will know where to go. on form HICFA, your claim will be know? Find out how your plan will pay for processed like a doctor’s visit. This You should know the difference an Emergency. Is there a co-pay? can mean the difference between a between a PPO and an HMO. You Does it go towards your deductible $20 office visit co-pay and a $150 should also know which one you and co-insurance? If there is a co- Emergency room co-pay. have. An HMO is a Health Mainte- pay, does it include both the hospi- A brief “Insurance to English” nance Organization. If you are in an tal facility charge and the doctor translation Guide: HMO, you pick one primary care charge, or are they processed dif- Deductible – The amount of doctor or one group and must stay ferently? This knowledge can save money you agree to pay before in that network. You see your you from “sticker” shock. your insurance benefits kick in. This primary care physician for every- Common Problems does not include your monthly thing. If they can’t diagnose a prob- If you call a Doctor’s office and premium. Generally, the higher the lem, then they will refer you to a ask “Do you take such and such deductible, the lower the premium. specialist. A referral in an HMO is PPO?” The answer will be “Yes”. Co-Insurance – The percentage not a verbal “this person is good.” All Doctors take PPO’s because of the total bill you owe. Usually It is a written procedure that they get paid whether they are the insurance company will pay a makes it OK for you to see an- contracted or not. The difference is percent (80%) till a maximum other doctor within your network, you will pay more if they are not ($10,000)expense is reached. The which is not your primary care in-network. Instead, ask if the Doc- rest is your responsibility. physician. tor is a provider or contracted Explanation of Benefits – This A PPO is a Preferred Provider with that network. This will help is the paper your insurance carrier Option. A PPO has both an in- clear up any confusion. sends to tell you how they have network and out-of-network op- Pre-certification is another com- processed a claim. It tells who the tion. You can see their doctors and mon problem. I recommend you provider was, the date of service, get a discount. Alternatively, you call your insurance company before the total amount, the discounted can see any doctor you want, but any elected medical procedure, and amount and the amount you owe. you may have to pay a higher fee. during or right after a medical Sometimes it will explain why a This option has more freedom and emergency. If you didn’t need to claim has not been processed, so you can see a specialist when you call, you wasted 5 minutes. If they pay close attention. want. thank you for pre-certifying the Discounted or Contracted Does your plan have a deductible event, you saved yourself hundreds Rate – This is the amount the or an office visit co-pay? If you have of dollars in penalties. Occasionally, doctor or facility has agreed to a deductible, you should know how your doctor will tell you they can charge a member of a specific in- much it is both in-network and pre-certify you. This is nice, but call surance plan for a specific service. out-of-network. If you have an and make sure it has been done. If Reasonable & Customary or office visit co-pay you should know you doctor gets busy and makes a Usual & Customary – This is the what amount it is as well. On mistake, you pay the penalty! amount over the average cost of a newer plans, your regular doctor Sometimes a provider will mistak- service done by a provider in a can have one co-pay, but a special- enly not take the contracted dis- specific geographical area. ist can be more. counted amount. This is usually a A little knowledge can save you a Always check the network avail- small dollar amount, but if you let it lot of time and frustration. In the able. This has been made much happen several times in a year it end, it can even save you money. easier with the Internet. Each car- can cost you hundreds. That is why rier has its own website that can it is important to take the Explana- Kristen Beth Offenbecher is an help you find a doctor, hospital or tion of Benefits from your insur- Agent and Account Manager for specialist. If you are not Internet ance company and compare it to Kastel Insurance Partners and can be savvy, you can always call the insur- your provider’s bill. reached at 630-792-0750 or ance company or the doctor’s of- One of the biggest problems I email@example.com. BATAVIA BUSINESS PAGE 8 News & Notes About Chamber Members Image Awards & Engrav- Milk Chocolate and Pepper- Ice-Skating by John Falter on ing was recently awarded the mint Bark). They also an- Thursday, January 11, 2007, St. Charles Chamber of Com- nounced that profits from the forty-nine years to the date merce 2006 Small Business of sale of "Cassie's Own Pop- that the painting appeared on the Year in the Business-to- corn" will be contributed to the cover of the Saturday Eve- Business category. the National Down Syndrome ning Post. The public is invited Righeimer & Tassi, P.C. Society and that they partici- to come to the Library at 6 presented their radio debut on pated in H.E.L.P. Annual Din- p.m. for refreshments and a WBIG 1280 AM on November ner and Auction by contribut- brief program regarding the 14, 2006. Their topic was ing the dinner favors. history of the painting and its “Starting your own business: The Island Tanning Salon creator, and then stay for the It’s not enough just to file the has hired Batavia High School unveiling at 6:30 p.m. forms”. The program is avail- student Shayla Ellis. Shayla is The Fox Valley Habitat able at mydreambiz.net. They working at The Island while for Humanity announced also recently launched their receiving high school credit for that they have positions open new website at work coop in a local business. on their Volunteer Board of www.RicheimerTassi.com. Gibby’s Wine Den is Directors. Anyone interested FedEx Kinko’s has opened proud to announce the one in helping this very worthwhile their newest Office and Print year anniversary of Melissa organization can contact Meg Center at 330 N. Randall Duguay, Jen Connon, and Ambroson at 847-697-9402 or Road. Designed with a smaller Mike Pacer. firstname.lastname@example.org. layout compared to traditional Diane Knight of The Terry Ward of The Savvy FedEx Kinko’s locations, the Traveling Players is not just Traveler reminds everyone center provides services such Cloe the Clown. She is offer- that passports will soon be- as copying, digital printing, ing two special characters for come required for all travel Internet access, notary, the holiday season: Mrs. Klaus outside the United States and packing & shipping assistance, and Diane the Elf. that it takes about six weeks and more to get one. If you are planning Producers Chemical any trips in the new year, now Dr. Mikyung Yun recently added Rob Tovar to their celebrated his first anniversary is the time to apply. sales team on October 9. Rob Chamber Members join with Dr. Jennifer Geertz at is an Aurora resident, is mar- The Batavia Park District Mayor Schielke as he the Wal-Mart Vision ried and has two children. recently learned that it is the cuts the ribbon at the Center. recipient of a $374,000 Open K.Hollis Jewelers' Annual Space Land Acquisition Devel- new FedEx Kinko’s Of- Nyborg & Company, Ltd. Customer Appreciation Event announced a new service opment grant awarded by the fice and Print Center on was a huge success. Their top Chamber members will find Illinois Department of Natural Randall Road. 100 customers enjoyed re- Resources to develop the 28.5 useful. Their facility at 236 freshments, holiday hairstyle Webster Street has a 625 sq. acre park site in Mill Creek. ideas courtesy of Katie Joliff The community park will fea- ft. space perfect for meetings, from Zano’s Salon and Day seminars and parties, and is ture two tennis courts, a large Spa, and chair massages cour- playground, a sensory aware- available days, evenings and tesy of Lisa Patterson of weekends. For more informa- ness play area, a sound/ Retreat Distinctive Thera- auditory play area, a family tion visit classrooms4u.com. peutic Massage. The event picnic shelter and a one mile Ellen Huxtable of Advan- was highlighted by an unveiling walking trail with fitness sta- tage Business Concepts will of a new line of designer pen- tions. be serving as coordinator for dants by Karen Hollis. the CEO seminar series and The Kane County Chroni- Money Mailer of the Fox cle recently introduced more the Women's Entrepreneurial River Valley has hired Ryan Conference for the College of convenience with four-day Garmers as a Sales Repre- delivery, Thursday through DuPage Small Business Devel- sentative. Ryan has an exten- opment Center. Sunday. They are also offering sive retail background and will new gift subscriptions to the Two Sisters and The be calling on businesses lo- Chronicle for special rates and Other One is busy for the cated throughout the Tri-City will soon be offering exciting holidays with a new website area. holiday contests, including (TwoSistersTOO.com) and The Batavia Public Li- Reindeer Games, their holiday two new holiday items brary will unveil its mural- movie trivia contest. (Almond Toffee covered with sized reproduction of Fox River BATAVIA BUSINESS PAGE 9 Chamber Events Registration Please complete this page and mail it, or fax it, to the Batavia Chamber of Commerce. For more information on these events see “Events Not To Be Missed” on Page 2, or visit our website at www.bataviachamber.org Name Address Phone E-Mail Batavia Women In Business Lunch Number Price Total Tuesday, December 12, 2006, 11:30 a.m. Chamber or BWIB Member $25 Mill Creek Golf Club Non-Member $30 39W525 Herrington Drive, Geneva Holiday Networking Event Total: Quarterly New Member Breakfast Number Price Total Wednesday, December 13, 2006, 8:00 a.m. Chamber Member & Guests N/C Fox River Waffle House, 5 Webster Street Join us to welcome the Chamber’s newest Non-Member $10 members. Total: Eggs & Issues Number Price Total Thursday, December 14, 2006, 7:30 a.m. Chamber Member & Guest $20 Eagle Brook Country Club 2288 Fargo Blvd, Geneva Non-Member $25 “A Post Hastert Congress” with Melanie Bassett Total: of the US Chamber of Commerce. Method of Payment: Check Enclosed Credit Card # Exp. date Bill Me Credit Card Signature BATAVIA BUSINESS 106 W. Wilson Street, Batavia, IL 60510 Visit us on the web Phone: 630-879-7134 bataviachamber.org Fax: 630-879-7215 E-mail: email@example.com Premier Plus & Premier Members Chamber Members The Chamber is pleased to recognize organizations willing to make an Please Note! additional investment in the future of Batavia. Premier Plus: Old 2nd National Bank WE HAVE A NEW City of Batavia ADDRESS! Confident Aire Bridget Gleeson/ The Batavia Cham- Harris Prudential Doss ber of Commerce has moved. We are LaSalle Bank now located at Premier: 106 W. Wilson St. Batavia Insurance Agency Mary Andreas/Keller Our phone, fax, web- Baymont Inn & Suites site and email re- Williams Realty main the same. Boyce Body Werks M.I.C., Inc. Chase Miscella Real Estate Colbert Custom Framing Morken & Associates Collision Centers of Provena Mercy Center America Cori Seider/Realty Comcast Executives Excellence The Holmstad, Inc. Volkman Insurance Agency Kane County Chronicle Wal-Mart Karabowicz & Associates Waubonsee Community Lighthouse Marketing College Mailing Label Services, Inc.
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