Cuatro Groos

efg&m, L.P.

Cuatro was born in San Antonio, Texas. He holds a BA (Plan II Honors Program) as well as an MBA and a Master of Public Affairs from the University of Texas at Austin. Cuatro’s early professional experience was diverse. It included teaching English at a university in Quito, Ecuador, helping to manage a family catering business in San Antonio, and serving as a policy analyst for the Speaker of the Texas House of Representatives. After receiving his graduate degrees, Cuatro worked as a marketing analyst and manager for Dell as well as a number of software startups. The experience working in the startup world, along with that of managing a family business, gave him a love for small business and a deep respect for the courage it takes to start and grow a business. Cuatro has been serving business owners and entrepreneurs as an insurance advisor since 2001. efg&m, LP provides guidance and support to businesses of all sizes in the areas of health insurance and employee benefits. The firm also helps self-employed individuals with health and related benefits. Cuatro speaks regularly on health care policy and key industry issues including health care reform, new compliance challenges/solutions, and workplace wellness. Cuatro is a Certified Insurance Counselor and a member of the National Association of Health Underwriters. He serves on the board of the Foster Angel Network of Central Texas. He is also the president of Trojans Pop Warner Youth Football Association. Cuatro has served on the boards of the Young Men’s Business League of Austin and the McCombs MBA Alumni Network for Central Texas. Cuatro lives in Austin, Texas with his wife, Alicia, an intellectual property attorney, and their three children. In his spare time, he loves coaching youth sports and being outdoors.

Connect with Cuatro Groos



Email Cuatro Groos cuatro@efgmbenefits.com

About Cuatro Groos

efg&m, L.P.

Cuatro was born in San Antonio, Texas. He holds a BA (Plan II Honors Program) as well as an MBA and a Master of Public Affairs from the University of Texas at Austin. Cuatro’s early professional experience was diverse. It included teaching English at a university in Quito, Ecuador, helping to manage a family catering business in San Antonio, and serving as a policy analyst for the Speaker of the Texas House of Representatives. After receiving his graduate degrees, Cuatro worked as a marketing analyst and manager for Dell as well as a number of software startups. The experience working in the startup world, along with that of managing a family business, gave him a love for small business and a deep respect for the courage it takes to start and grow a business. Cuatro has been serving business owners and entrepreneurs as an insurance advisor since 2001. efg&m, LP provides guidance and support to businesses of all sizes in the areas of health insurance and employee benefits. The firm also helps self-employed individuals with health and related benefits. Cuatro speaks regularly on health care policy and key industry issues including health care reform, new compliance challenges/solutions, and workplace wellness. Cuatro is a Certified Insurance Counselor and a member of the National Association of Health Underwriters. He serves on the board of the Foster Angel Network of Central Texas. He is also the president of Trojans Pop Warner Youth Football Association. Cuatro has served on the boards of the Young Men’s Business League of Austin and the McCombs MBA Alumni Network for Central Texas. Cuatro lives in Austin, Texas with his wife, Alicia, an intellectual property attorney, and their three children. In his spare time, he loves coaching youth sports and being outdoors.

A Plain English Overview of Health Insurance Options for Individuals and Families in the Post-Health Care Reform Landscape

by Cuatro Groos

efg&m, L.P.

Cuatro was born in San Antonio, Texas. He holds a BA (Plan II Honors Program) as well as an MBA and a Master of Public Affairs from the University of Texas at Austin. Cuatro’s early professional experience was diverse. It included teaching English at a university in Quito, Ecuador, helping to manage a family catering business in San Antonio, and serving as a policy analyst for the Speaker of the Texas House of Representatives. After receiving his graduate degrees, Cuatro worked as a marketing analyst and manager for Dell as well as a number of software startups. The experience working in the startup world, along with that of managing a family business, gave him a love for small business and a deep respect for the courage it takes to start and grow a business. Cuatro has been serving business owners and entrepreneurs as an insurance advisor since 2001. efg&m, LP provides guidance and support to businesses of all sizes in the areas of health insurance and employee benefits. The firm also helps self-employed individuals with health and related benefits. Cuatro speaks regularly on health care policy and key industry issues including health care reform, new compliance challenges/solutions, and workplace wellness. Cuatro is a Certified Insurance Counselor and a member of the National Association of Health Underwriters. He serves on the board of the Foster Angel Network of Central Texas. He is also the president of Trojans Pop Warner Youth Football Association. Cuatro has served on the boards of the Young Men’s Business League of Austin and the McCombs MBA Alumni Network for Central Texas. Cuatro lives in Austin, Texas with his wife, Alicia, an intellectual property attorney, and their three children. In his spare time, he loves coaching youth sports and being outdoors.

Most Americans are overwhelmed by news about health care reform and confused by the diversity of opinions about the law, what it means, and who wins or loses. Now that federal and state exchanges have been launched, people seem to be even more confused. Here’s a look at what individuals and families need to know in the last months of 2013 and going into 2014.

Topics: Business Operations, Featured

Medical loss ratios and their impact on the health insurance market

by Cuatro Groos

efg&m, L.P.

Cuatro was born in San Antonio, Texas. He holds a BA (Plan II Honors Program) as well as an MBA and a Master of Public Affairs from the University of Texas at Austin. Cuatro’s early professional experience was diverse. It included teaching English at a university in Quito, Ecuador, helping to manage a family catering business in San Antonio, and serving as a policy analyst for the Speaker of the Texas House of Representatives. After receiving his graduate degrees, Cuatro worked as a marketing analyst and manager for Dell as well as a number of software startups. The experience working in the startup world, along with that of managing a family business, gave him a love for small business and a deep respect for the courage it takes to start and grow a business. Cuatro has been serving business owners and entrepreneurs as an insurance advisor since 2001. efg&m, LP provides guidance and support to businesses of all sizes in the areas of health insurance and employee benefits. The firm also helps self-employed individuals with health and related benefits. Cuatro speaks regularly on health care policy and key industry issues including health care reform, new compliance challenges/solutions, and workplace wellness. Cuatro is a Certified Insurance Counselor and a member of the National Association of Health Underwriters. He serves on the board of the Foster Angel Network of Central Texas. He is also the president of Trojans Pop Warner Youth Football Association. Cuatro has served on the boards of the Young Men’s Business League of Austin and the McCombs MBA Alumni Network for Central Texas. Cuatro lives in Austin, Texas with his wife, Alicia, an intellectual property attorney, and their three children. In his spare time, he loves coaching youth sports and being outdoors.

Human Resource and employee benefit administrators will need to be aware of many new developments for 2011 brought about by the Patient Protection and Affordable Care Act (PPACA).

Topics: Featured, Employee Benefits, Articles, Human Resources

Health Care Reform and the 2010 Elections: What’s Next?

by Cuatro Groos

efg&m, L.P.

Cuatro was born in San Antonio, Texas. He holds a BA (Plan II Honors Program) as well as an MBA and a Master of Public Affairs from the University of Texas at Austin. Cuatro’s early professional experience was diverse. It included teaching English at a university in Quito, Ecuador, helping to manage a family catering business in San Antonio, and serving as a policy analyst for the Speaker of the Texas House of Representatives. After receiving his graduate degrees, Cuatro worked as a marketing analyst and manager for Dell as well as a number of software startups. The experience working in the startup world, along with that of managing a family business, gave him a love for small business and a deep respect for the courage it takes to start and grow a business. Cuatro has been serving business owners and entrepreneurs as an insurance advisor since 2001. efg&m, LP provides guidance and support to businesses of all sizes in the areas of health insurance and employee benefits. The firm also helps self-employed individuals with health and related benefits. Cuatro speaks regularly on health care policy and key industry issues including health care reform, new compliance challenges/solutions, and workplace wellness. Cuatro is a Certified Insurance Counselor and a member of the National Association of Health Underwriters. He serves on the board of the Foster Angel Network of Central Texas. He is also the president of Trojans Pop Warner Youth Football Association. Cuatro has served on the boards of the Young Men’s Business League of Austin and the McCombs MBA Alumni Network for Central Texas. Cuatro lives in Austin, Texas with his wife, Alicia, an intellectual property attorney, and their three children. In his spare time, he loves coaching youth sports and being outdoors.

The mid-term elections came and went, leaving behind a wake of defeated centrist Democrats in the US House of Representatives and across state houses nationwide. While the GOP did not gain a majority in the US Senate, it picked up an unprecedented 60 seats in the House. Near the top of almost every poll of issues that mattered to voters was health care reform. Republicans and even some Democrats nationwide ran against it. Despite these changes, don’t expect anything significant to come out of Congress in the next year or two. The Democrats still control the Senate, and President Obama still has veto power. The new House is expected to pass a health care reform bill (or a bill that severely limits the health care reform law) as a symbol and a precursor to 2012. Such a bill would not make it out of the Senate, and therefore President Obama would not need to veto it.

Topics: Featured, Employee Benefits, Articles, Human Resources

Health care reform: this week in legislative idiocy

by Cuatro Groos

efg&m, L.P.

Cuatro was born in San Antonio, Texas. He holds a BA (Plan II Honors Program) as well as an MBA and a Master of Public Affairs from the University of Texas at Austin. Cuatro’s early professional experience was diverse. It included teaching English at a university in Quito, Ecuador, helping to manage a family catering business in San Antonio, and serving as a policy analyst for the Speaker of the Texas House of Representatives. After receiving his graduate degrees, Cuatro worked as a marketing analyst and manager for Dell as well as a number of software startups. The experience working in the startup world, along with that of managing a family business, gave him a love for small business and a deep respect for the courage it takes to start and grow a business. Cuatro has been serving business owners and entrepreneurs as an insurance advisor since 2001. efg&m, LP provides guidance and support to businesses of all sizes in the areas of health insurance and employee benefits. The firm also helps self-employed individuals with health and related benefits. Cuatro speaks regularly on health care policy and key industry issues including health care reform, new compliance challenges/solutions, and workplace wellness. Cuatro is a Certified Insurance Counselor and a member of the National Association of Health Underwriters. He serves on the board of the Foster Angel Network of Central Texas. He is also the president of Trojans Pop Warner Youth Football Association. Cuatro has served on the boards of the Young Men’s Business League of Austin and the McCombs MBA Alumni Network for Central Texas. Cuatro lives in Austin, Texas with his wife, Alicia, an intellectual property attorney, and their three children. In his spare time, he loves coaching youth sports and being outdoors.

The 1099 Problem for Businesses

Topics: Employee Benefits, Articles, Human Resources

guide.jpg

Health care reform: key health insurance changes in 2010

by Cuatro Groos

efg&m, L.P.

Cuatro was born in San Antonio, Texas. He holds a BA (Plan II Honors Program) as well as an MBA and a Master of Public Affairs from the University of Texas at Austin. Cuatro’s early professional experience was diverse. It included teaching English at a university in Quito, Ecuador, helping to manage a family catering business in San Antonio, and serving as a policy analyst for the Speaker of the Texas House of Representatives. After receiving his graduate degrees, Cuatro worked as a marketing analyst and manager for Dell as well as a number of software startups. The experience working in the startup world, along with that of managing a family business, gave him a love for small business and a deep respect for the courage it takes to start and grow a business. Cuatro has been serving business owners and entrepreneurs as an insurance advisor since 2001. efg&m, LP provides guidance and support to businesses of all sizes in the areas of health insurance and employee benefits. The firm also helps self-employed individuals with health and related benefits. Cuatro speaks regularly on health care policy and key industry issues including health care reform, new compliance challenges/solutions, and workplace wellness. Cuatro is a Certified Insurance Counselor and a member of the National Association of Health Underwriters. He serves on the board of the Foster Angel Network of Central Texas. He is also the president of Trojans Pop Warner Youth Football Association. Cuatro has served on the boards of the Young Men’s Business League of Austin and the McCombs MBA Alumni Network for Central Texas. Cuatro lives in Austin, Texas with his wife, Alicia, an intellectual property attorney, and their three children. In his spare time, he loves coaching youth sports and being outdoors.

The Patient Protection and Affordable Care Act (PPACA) was passed on March 23, 2010. At about 2700 pages long, it is one of the most far-reaching laws passed in the United States in many decades. It will take many years to be implemented. While many of the entities and processes called for by PPACA are yet to be defined and executed, we do know about the key changes taking place in late 2010 and on the horizon in 2011 and 2012. Our focus in this post is on what business owners, CFOs, Controllers, and Human Resource Managers need to know to navigate the new landscape created by the early years of health care reform.

Topics: Labor & Employment, Employee Benefits, Articles

1