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Media Archives

2015 Press Releases

NAHU Supports Bipartisan MLR Legislation

A bill preserving consumer and employer access to insurance producers has been introduced in the 114th Congress
Washington, D.C. — The National Association of Health Underwriters (NAHU) is proud that H.R. 815, a bipartisan bill to amend the Affordable Care Act’s (ACA) medical loss ratio (MLR) requirements, has been introduced in the 114th Congress under the lead sponsorship of Representatives Billy Long (R-MO) and Kurt Schrader (D-OR). H.R. 815 will help protect consumer and employer access to licensed independent insurance producers.
The MLR requirements were designed to limit the amount that a health insurance company can spend on administrative costs. Specifically, the MLR requirement states that 80% of all individual and small group insurance premium dollars must go to medical care, with the remaining 20% going to administrative costs.
NAHU agrees with the goal of providing consumers with more value for healthcare dollars spent. However, NAHU disagrees with the Department of Health and Human Services’ interpretation of the MLR provisions in the health reform law that health insurance carriers must treat agent and broker commissions as part of their administrative costs. This interpretation threatens the ability of insurance agents and brokers – many of whom are one- or two-person small businesses – to continue to provide essential services to consumers at a time when health insurance purchasers have the most need for guidance due to ACA-related market changes.
“Professionally licensed and trained agents and brokers, including our members, are committed to providing a year-round service fostering quality and affordability without harming the insurance marketplace,” stated Janet Trautwein, CEO of NAHU. “The goal of healthcare reform was to provide affordable and quality healthcare to all Americans, and we must keep these goals in mind when developing important MLR guidelines.
“While NAHU agrees with the goal of providing consumers with more value for healthcare dollars spent, the health reform law’s MLR requirements significantly and negatively impact access to health insurance agents and brokers by wrongfully including agent and broker commissions in with administrative costs.
“We look forward to working with members of Congress and the Administration on this critical issue as well as other needed improvements to protect insurance consumers.”
The development of this legislation comes just before NAHU’s 25th Annual Capitol Conference in Washington, D.C. NAHU will discuss this important legislation as well as other legislative issues affecting agents and brokers, employer clients and consumers. The conference also provides the opportunity for NAHU members to join with hundreds of their colleagues from around the country to lobby for solutions that will make our healthcare system more efficient and more responsive to American employers and individual health consumers.
The National Association of Health Underwriters represents 100,000 professional health insurance agents and brokers who provide insurance for millions of Americans. NAHU is headquartered in Washington, D.C. For more information, visit www.nahu.org.

NAHU supports New HHS Timeline to Initiate Healthcare Value-based Pricing

Washington, D.C. — The National Association of Health Underwriters (NAHU) commends the Department of Health and Human Services (HHS) Secretary Sylvia Burwell for setting timelines and goals that will transition Medicare and hopefully the healthcare system at large from a fee-for-service system to a quality and value-based payment model. This is the first time in the history of the Medicare program that HHS has supported an alternative payment model that focuses more on value, outcomes and reduced healthcare costs.
“The goal of this bipartisan initiative is to improve the quality of medical care we receive while spending less money to do so,” explained Janet Trautwein, CEO of NAHU. “Creating more accountability will stimulate the promotion of high-value healthcare and educated consumerism.
“Advancing a patient-centered health system requires a fundamental transformation in how we pay for and deliver care.
”Businesses and individual consumers continue to seek guidance from agents and brokers on developing a more tactical, cost-effective approach to managing their healthcare needs. In response, NAHU’s Education Foundation partnered with the Robert Wood Johnson Foundation to provide a comprehensive training program available to the general public, which is designed to educate agents and brokers about value-based insurance design and other new healthcare delivery models.
“The public sector investing its efforts in alternative payment models that reward quality over quantity will serve as a catalyst for NAHU’s Education Foundation’s efforts. We are glad new healthcare payment methods are gaining the necessary traction to catch-up with how rapidly our health care industry has evolved over the past few years.
“NAHU will continue to be a resource to our members by providing educational information that is relevant and useful to better equip them with the tools they need to best serve their clients as they explore value-based pricing. We look forward to working with HHS and other entities to continue to promote alternative payment models that are patient-centered while reducing overall healthcare costs.”
The National Association of Health Underwriters represents 100,000 professional health insurance agents and brokers who provide insurance for millions of Americans. NAHU is headquartered in Washington, D.C. For more information, visit www.nahu.org.

2014 Press Releases:

HOUSTON CHRONICLE

Commentary

Simple truths about health care system behind complex mess

CHRIS TOMLINSON

   No one wants to spend more for a service than necessary, and that’s true whether you’re repairing a car or a hernia.

   Unfortunately, though, while a mechanic does generally stick to a quoted price with an insurance company, the bill for a surgery is not only more complicated, but shockingly unpredictable.

   Two weeks ago, I wrote about something called “balance billing,” the process where a health care provider or facility sends a consumer a staggering bill because the doctor or hospital is not part of the insurance policy’s network. In my reporting, everyone involved agreed consumers get the insurance coverage they pay for and ultimately they are responsible.

   I ended the column warning buyer beware. That disappointed readers.

   “Tomlinson identifies the deceptiveness of insurer policies that intentionally force consumers out-of-network, the complicity of hospitals that farm out their ER insurance negotiations, and the failure of individual physicians to recognize that saving a patient’s life and sending them home to bankruptcy brings no honor to their profession,” Denise Miller of Cypress wrote in a typical response. “However, he lets them all off the hook for their actions by blaming consumers for not being better informed.”

   My goal was to explain the problem and offer practical advice. What I should have revealed was my personal conclusion:

   The deck is stacked against consumers.

   First, health care is something we all need. Failure to receive care can only end in a shorter, miserable life.

   Second, in this country most doctors are small-business people who learn a difficult trade from expensive institutions and then offer services for a fee. They need to make a profit to stay in business.

   Third, hospitals are like shopping malls where doctors ply their trade. Hospitals grant privileges to doctors, who admit patients who are charged for the services they use. Every hospital has a markup, if not a profit.

   Lastly, we socialize health expenses by purchasing insurance. We pay a little every month expecting that, when we need it, the insurance company will pay at least some of the bills. How much they will pay is supposed to depend on how big of a premium we pay.

   Why it works this way

   Here are some simple truths about our system:

   • Doctors hate handling billing, so they pay others to handle it. Often a billing company is paid to bring in as much cash as possible, which is why sometimes they bill both the insurance company and the patient for the same service.

   • Hospitals worry about having the doctors they need, when they need them. Complicated schedules mean they can’t worry about which doctors take what insurance. Consumers may ask that all of their doctors accept their insurance, but hospitals will schedule the doctors that are convenient for them, not for consumers.

   • Consumers and employers don’t like high premiums, so insurance companies offer different plans that can be very confusing. To save money, insurance companies try to dictate to doctors and hospitals what they think is a reasonable fee. If the provider thinks the fee is unfair, they remain out-of-network and bill the consumer directly.

   • Insurance companies don’t care if you go out of network. It might actually save them money.

   ‘Not achievable’

   I asked the Texas Medical Association how it would answer Miller’s criticism. Lee Spangler, vice president for medical economics, replied: “Given the tremendous number of plans offering coverage in Texas and the tremendous number of hospitals, physicians and providers in Texas, a consumer’s desired resolution to have all services provided in-network is not achievable in all circumstances under all plans.”

   “If you are receiving care from a physician not in your network, ask for an estimate of charges. If you ask for an estimate, one must be provided to you. If the physician is in-network, ask your insurance company what it will pay

   — it is required to tell you.”

   The same is true of hospitals, but these conversations are not always possible, especially in emergencies. Hospitals and doctors also have charity care programs that consumers can ask about.

   Agent’s job is to help

   I also spoke again with Travis Middleton, president of the Houston-based brokerage firm Trademark Insurance Agency, who reiterated that if you or your employer bought a plan through an independent, certified insurance agent, the agent’s job is to help you get the most out of the policy. He recommended talking to your agent or insurance company before a procedure and never pay a bill without first checking with them.

   “We’ll help negotiate the pricing down,” he said. “But some of the doctors really can be horsey about it.”

   Don’t say it

   The reason the consumer is in such a weak position is that the U.S. health care system is based on capitalism and private enterprise, not providing cost-efficient care.

   There is an alternative, but in Texas it is the option-which-must-not-be-named: national health insurance — sometimes called socialized medicine

   — that sets premiums and fees by law and ensures no one goes without care or is left bankrupt. The U.S. uses a hybrid system to cover the elderly, through Medicare, and the poor and disabled, through Medicaid.

   Imagine a system where a hernia operation costs the same no matter where you go. Imagine paying for health care through income tax, not premiums, and knowing that you’ll never have to worry about getting help or a bill. Imagine companies no longer laying off employees to pay for their health plans.

   A big-scale answer

   I await the tsunami of comments, emails and letters about how national health insurance is anti-American and no panacea. And I know that every country’s system has a litany of problems and comes with higher taxes. But at least those problems are not these problems.

   The funny thing is, I’ve noticed that the people who oppose national health insurance are generally healthy and resent buying insurance. It’s only when they need care that they wish there was another way.

   Tomlinson is the Chronicle’s business columnist. His commentary appears on Sundays and Wednesdays. chris.tomlinson@chron.com   twitter.com/cltomlinson 

TAHU Releases “Checklist for Coverage” to Assist Consumers in Making Health Plan Choices for Year Two of Affordable Care Act Open Enrollment for Year Two Begins on November 15

(AUSTIN, TEXAS – November 12, 2014) - With the enrollment period for year two of the Affordable Care Act set to open in three days, the state’s leading health insurance agent association is releasing its “Checklist for Coverage” to help individuals and employers process the information that should be weighed in making coverage and renewal decisions.
Jacqueline St. Hilaire, president of the Texas Association of Health Underwriters (TAHU), said that utilizing the assistance of a professional benefits adviser (health insurance agent) can provide peace of mind and ensure that key factors are considered in making health coverage choices, all at no cost to the individual.
“What we saw in year one was that many individuals were a bit overwhelmed with the questions they faced in making the best choices for coverage. Many defaulted to the least expensive plan, which may not be the best choice for coverage or overall cost for the health care that someone needs,” said St. Hilaire.
A survey by America’s Health Insurance Plans (AHIP) confirms an increase in coverage through high-deductible plans that offer lower premiums. A report by AHIP indicates the number of individuals covered by high-deductible health plans rose from 13.5 million in 2012 to 17.4 million in 2014. According to the Kaiser Foundation, the average deductible doubled between 2007 and 2014 from $616 to $1,217. Many consumers are initially attracted to the higher-deductible plans because of the lower premiums, only to discover after the fact that the reduced upfront costs result in significantly higher out-of-pocket costs.
St. Hilaire added, “There’s really no reason to do this alone, given the importance of this purchase, when you have free support available from insurance experts in your community.”
The open enrollment period for year two of the new law will run from November 15, 2014, through February 15, 2015. New and returning customers who take action by December 15, 2014, will have their coverage choices take effect on January 1, 2015. Existing customers who do not take action by December 15 will be automatically re-enrolled with their current coverage, taking
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effect on January 1, 2015. Effective dates for coverage selections made after December 15, 2014, will be based on the agreements contained in the health policy they select.
Once the open enrollment period ends, consumers will only be allowed to enroll or change coverage if they experience a “qualifying event” such as loss of coverage, marriage, divorce, birth of a child or a move to a new area. Without a qualifying event, an individual will need to wait until the open enrollment process for 2016 begins on October 15, 2015.
To aid consumers in making their choices, TAHU has released its three-point checklist used by agents in guiding individuals, families and employers through the enrollment process. The checklist was designed to help ensure that factors including premiums, out-of-pocket costs and limits, covered services, doctor networks, and medications covered are all fully considered in selecting a health plan.
The TAHU checklist includes detailed steps that may require some preparation by the consumer. The three steps of “Review, Compare and Select” each involve multiple considerations and analysis that health insurance agents have years of experience in managing.
Step One: Review your plan.
Consumers are encouraged to evaluate the choice they made in year one in order to assess how it met their health care needs. This process involves reviewing a series of questions on their own or with the assistance of a professional benefits adviser. Those questions include:
 Were there any issues with your coverage or the insurance company that you selected in year one?
 Was your doctor(s) in the plan’s network? Were your medications covered? Are there any procedures that you may be anticipating for which you want to confirm coverage?
 Are you satisfied with the plan? Should you consider another level (Platinum, Gold, Silver or Bronze)?
 Does the cost of the plan fit within your budget? Are you comfortable with the out-of-pocket expenses (co-pays, deductible and co-insurance amounts) of the policy?
 Do you qualify for a subsidy to help pay for your coverage?
 Are there any additional insurance companies offering plans this year?
Members of TAHU have extensive experience in guiding consumers through these questions and are able to assist them in reviewing and updating information whether they enrolled using the insurance marketplace, an insurer’s website or through an agent.
Step Two: Compare your plan to other options.
Once a consumer’s satisfaction level with their existing plan is determined, a decision can be made regarding renewal or whether there is a desire to consider other options. Even if an individual is satisfied with their first-year choice, many now have a better understanding of health coverage details and may desire to shop and compare in an attempt to get a better deal. Doing so may
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result in the cost of a plan playing a significant role in their selection, but this is where a cheaper plan may not be a better choice. Individuals should consider utilizing the services of a professional health insurance adviser to assist in accessing the details of any plans being considered to confirm that doctors, medications and specific procedures are covered.
Many consumers either don’t have the time or the insight to ensure these important aspects of their coverage will be in place.
Step Three: Select and confirm your coverage for year two.
Once a plan for year two is selected, health insurance agents can guide consumers through an online enrollment process or provide instructions on how to complete it. Individuals not making changes to their coverage will automatically be re-enrolled in their current plan beginning January 1, 2015. Individuals purchasing through the federal marketplace will want to update their personal information to ensure they receive the correct subsidy amount, if applicable, as well as timely notifications about changes and updates to their coverage.
Individuals/families without health coverage with minimum essential benefits in 2015 will pay fines, including the higher of the following amounts:
 2 percent of the yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.
 $325 per person for the year ($162.50 per child under 18). The maximum penalty per family using this method is $975.
“Whether an individual or employer is purchasing for the first time or completing their second enrollment process, the cost of purchasing coverage will be the same for someone who uses a health insurance agent as an individual who does not,” stated St. Hilaire.
“Agent compensation is already built into the cost of a health plan, so the price of using their services, whether inside or outside the federal marketplace, is the same whether or not an agent is involved.”
Individuals and employers interested in locating a professional benefits adviser in their community may go to Find an Agent.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters.

Health Insurance Agents Can Be Critical Resource in Helping Consumers Make Right Coverage Choices

Open Enrollment for Year Two of the Affordable Care Act Begins October 15
(AUSTIN, TEXAS – October 14, 2014) With the open enrollment period for year two of the Affordable Care Act only one month away, consumers will soon begin the now-annual process of confirming whether or not the health coverage choice they made in the previous year remains the best option for themselves, family members and their budgets. For many who didn’t seek assistance in year one, they should consider consulting with a professional insurance agent in year two to not only be essential but also a “no-brainer” since doing so does not increase the cost of coverage.
Barring another marketplace computer crash, year two of enrollment under the Affordable Care Act should present fewer technical challenges, but that doesn’t guarantee a smooth experience for all consumers. Many will still find the complexity of purchasing coverage overwhelming as they evaluate their purchase from year one and in many instances attempt to correct the bad and uninformed decisions they made during their initial enrollment. According to a recent poll conducted by the Associated Press and the international market research firm GfK, 75 percent of Americans still say the health care law is difficult to understand.
Based on the brief amount of time that some consumers spent on their first-year choices, many discovered they need to take a closer and more informed look at their options in year two. An Aflac poll released in September showed that 41 percent of those surveyed said they spent 15 minutes or less considering their options in 2013.
While government-funded navigators are available to help consumers complete the application process and answer general questions industry experts have raised concerns that reliance on inexperienced assisters could put consumers at risk and lead to choices that individuals later regret. The possibility of fraud, the lack of adequate training and navigators’ limited and often nonexistent knowledge of health insurance products raised concerns during year one about the new law, prompting several states, including Texas, to strengthen assister requirements in order to protect consumers.
“While steps such as requiring background checks may reduce the chance of individuals with criminal records becoming navigators, they don’t remove the risk of unscrupulous conduct. On the other hand, an insurance professional will be better able to provide the insight to help consumers choose appropriate coverage,” said Jacqueline St. Hilaire, president of the Texas Association of Health Underwriters.
St. Hilaire continued, “The least expensive plan may not be the best choice for everyone. The most expensive may not cover a particular doctor or procedure that a consumer wants. Understanding these types of details as well as the basics such as deductibles, co-pays and co-insurance are not easily explained by someone who lacks a working knowledge of insurance.”
A Kaiser Family Foundation survey of programs that assisted individuals signing up for coverage in 2013 found that 90 percent of those who offered assistance had been contacted by consumers with post-enrollment questions.
According to St. Hilaire, assisters and new marketplaces may offer access to rates and coverage available in a consumer’s area, but professional insurance agents have provided the same function, with added insight and personalized services for decades.
St. Hilaire and the army of professional agents within the organization she leads are licensed and trained to help consumers and businesses understand the complexities of health insurance and now health reform in the private market as well as through exchanges. Their personal and professional assistance is available to anyone purchasing coverage in the marketplace at no additional cost.
Health insurance agents are required to meet strict state-level exam-based licensing laws and annual continuing education requirements, as well as significant privacy, security and market conduct requirements. They are experienced and trusted with handling consumers’ very private personal and financial information. Many also have advanced training and professional designations reflecting their broad expertise and specialties in educating and advising on how to manage risk and make informed insurance choices.
St. Hilaire explained that many consumers are now realizing that making health coverage choices is not like buying a book or making a hotel reservation online. Benefits are complex and they are critically important to a family’s stability and peace of mind.
“You buy the wrong book and you’re out a few dollars. Make the wrong choice for health insurance and the consequences can be far more significant,” stated St. Hilaire.
Year two enrollment begins on November 15, 2014, and extends to February 15, 2015. For coverage to be effective January 1, 2015, it must be purchased by December 15, 2014. For those who purchased coverage in 2014 and want to change their health plan, they will also need to purchase by December 15, 2014.
Individuals and employers interested in locating a professional benefits adviser in their community who can assist with questions about year two of the Affordable Care Act may go to Find an Agent.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters.

Business Owners Encouraged to Consult Benefit Professionals on 2015 Health Insurance Changes

(AUSTIN, TEXAS – December 17, 2014) - The second year of the Affordable Care Act (ACA) health insurance open enrollment period is underway from Nov. 15 to Feb. 15. Beginning in 2015, provisions of the new law will affect how large and small employers manage health insurance benefits. The size and type of an employer’s workforce are determining factors in identifying the changes that apply to a particular business. Due to the complexities of these new provisions, employers are encouraged to seek assistance from professional health agents as they attempt to assess how the new law will apply to their business.
According to Jacqueline St. Hilaire, president of the Texas Association of Health Underwriters, “Many businesses may not be aware of the changes that are coming for 2015, and the size of a company’s workforce will make a difference in how the law applies to each business.”
St. Hilaire continued, “Regardless of a workforce size, it is important to figure out how the new 2015 changes will apply to your business model, and it’s not an easy transition to understand.”
Businesses defined as small employers can choose to offer health insurance, but they are not required to do so and will not face a penalty for failing to provide coverage. However, small businesses are eligible to purchase insurance through a government-operated exchange, known as the Small Business Health Options Program (SHOP), which allows employers to offer health insurance that meets the requirements of the Affordable Care Act individual mandate.
St. Hilaire added, “Small businesses can be particularly vulnerable to market increases in health insurance. Currently, small businesses pay on average 18 percent more than larger businesses for health insurance. With this sizeable difference, it is important that a small business owner considering health insurance for employees look for options to control those costs.”
Effective in 2015, smaller employers that elect to self-insure must file an annual return reporting certain information for each employee covered. In addition, an employer that self-insures may be required to pay a fee to support a trust fund for patient research and outcomes.
“Professional health agents have decades of experience supporting businesses in managing their health insurance options and can help employers navigate the new ACA landscape by evaluating coverage alternatives to find the best health insurance fit for their specific needs,” said St. Hilaire.
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Although large businesses will be subject to the Employer Shared Responsibility provisions in 2015, the requirements will not apply to certain Texas-based businesses until 2016. Under these provisions, if large employers do not offer affordable health coverage that provides a minimum level of benefits to their full-time employees, the employer may be required to pay “shared responsibility” assessments for certain employees if at least one of his/her full-time workers receives a premium tax credit for purchasing individual coverage through the Health Insurance Marketplace.
“There are a lot of moving parts to the new law, and both large and small employers will be well-served to ensure they have the full picture of their options and the consequences of their decisions. Their choices could determine both the financial impact to their business as well as their employees’ ability to afford the coverage needed to manage health care costs,” stated St. Hilaire.
Businesses and consumers interested in locating a professional health benefits adviser in their community who can assist with questions about the Affordable Care Act may go to Find an Agent or tahu.org.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters.

Affordable Care Act’s Year Two Open Enrollment Period Brings a New Round of Questions for Consumers, Employers
Individuals and Employers Encouraged to Utilize Services of Professional Agents at No Cost

(AUSTIN, TEXAS – September 23, 2014) While year two of the Affordable Care Act (ACA) may be absent the computer glitches and confusion that reigned in year one, consumers will face uncertainty about the process and questions regarding what many believe is the most important purchase they will make during the year. For some, the approaching open enrollment period may present the opportunity to change the choices they made, good or bad, about their coverage in year one. For individuals that didn’t purchase coverage and many employers, unfamiliarity with the new law will raise questions about coverage options and requirements that must be now confronted.
Year two of open enrollment begins on November 15, 2014, and continues through February 15, 2015. You must enroll by December 15, 2014, in order for your coverage to be effective January 1, 2015. If you purchased coverage for 2014 and you want to change your insurance plan for 2015, you must also enroll in the new plan by December 15, 2014, for it to be effective January 1, 2015.
Because there is no uniform renewal process, the steps to renew may vary among insurers. This could create confusion with canceling coverage from one company in order to select a plan with another.
If coverage is not purchased during open enrollment, consumers will be unable to purchase an ACA-compliant plan until the next enrollment period in late 2015 unless they experience a “qualifying event,” such as a divorce, marriage or change in job status that results in a loss of coverage.
“Twelve months into this process, consumers have had a chance to reflect on the decisions they made regarding their coverage for 2014,” said Jacqueline St. Hilaire, president of the Texas Association of Health Underwriters. “Many found out for the first time that they are not able to
purchase ACA-compliant coverage beyond the open enrollment period. Many discovered that their coverage required them to pay higher deductibles than they had anticipated or that their doctor wasn’t in-network. Many are now accepting the fact that they could face increasing fines without coverage.”
According to St. Hilaire, questions about the process for renewal or cancellation, uncertainty about the enrollment timeline, and confusion about the transitional period allowing consumers to maintain noncompliant plans are among the growing questions being asked by consumers as they enter year two of life with a federal health coverage mandate.
St. Hilaire added, “Until last year, a very high percentage of individuals have never had to make choices about deductibles, co-pays and levels of coverage. Many now realize the importance of taking the time to closely review their options and to seek guidance in order to make the right choices for their families, budgets and their future.”
An Aflac study of the 2013 enrollment process suggests that many didn’t approach the purchase of their health plan as they might for that of a car or vacation. The study found that 41 percent said they spent less than 15 minutes researching their health insurance plan options in 2013.
For some, renewal may be a mere formality, but that process could be tricky with consumers unsure of what to expect. For others, the process of cancellation in order to select another health plan must be done carefully to ensure there is no lapse in coverage.
Those who received subsidies may be hit by a financial aftershock that can reduce the amount of any tax subsidy used to offset the insurance premiums. These aftershocks could even include asking insured people to pay the IRS back for the subsidies they’ve received. The subsidies are based strictly on income; so as someone’s income goes up or down, so will their actual subsidy. If someone has had an increase in income, their subsidy will be recalculated to go down. If that person received a larger subsidy than he should have, after it’s all recalculated, the IRS may be asking for some of it back.
For employers, year two brings questions, obligations and possible fines of up to $3,000 per employee, depending on the size of the company.
“Many employers are facing new requirements for the first time. The complexity of their options can be overwhelming and the cost of a wrong decision could be significant for their businesses,” stated St. Hilaire. “Employers would be especially wise to seek the counsel of a professional benefits adviser in order to make the best choices for their company and employees.”
She added, “Whether you’re an individual or an employer, utilizing the services of a professional benefit adviser does not add to the cost of coverage. You essentially receive a free service that provides professional advice, guidance and peace of mind.”
Individuals and employers interested in locating a professional benefits adviser in their community who can assist with questions about year two of the Affordable Care Act may go to Find an Agent.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters.

TAHU: Those Who Missed ACA Enrollment Deadline Still Have Options

(AUSTIN, TEXAS — May 8, 2014) With the Affordable Care Act’s (ACA) March 31 deadline for 2014 health plan enrollment now having passed, many consumers are asking, “What are my health coverage options for the remainder of the year?” The answer is a bit complex, will require thoughtful consideration and most likely professional help, but there is good news. There are options available. One of those options hinges on whether an individual has a life-changing situation, called a “qualifying event.” The other options include supplemental or short-term insurance to cover the period between now and Jan. 1, 2015.
Once a qualifying event occurs, consumers have 60 days to sign up for an ACA-compliant health insurance policy. Life events that may generally qualify consumers for a special enrollment period include: getting married, the birth or adoption of a child, divorce, permanently moving to a new area that offers different health plan options, losing other health coverage due to a job loss, a COBRA plan expiring, a health plan being decertified, an employer dropping coverage or recently becoming a citizen. Voluntarily quitting health coverage or being terminated for not paying your premiums are not considered qualifying events. If consumers do not have a special qualifying event, then they will be unable to purchase an ACA-compliant health policy until the next open enrollment period. They will also be required to pay the penalty of $95 or 1 percent of their family income for failing to purchase qualifying coverage in 2014.
Consumers who do not have a qualifying event have the option of signing up for a supplemental or short-term health plan to bridge the gap until January 1, 2015. However, most short-term plans do not meet the ACA requirements for minimum essential coverage. In addition, short-term plans may not include coverage of certain pre-existing conditions.
“Supplemental and short-term policies can be attractive options, but it is important for consumers to be perfectly clear about how those options address their current medical conditions,” said Mark Bellman, president of the Texas Association of Health Underwriters.
Supplemental insurance plans include: accident policies, cancer or specified disease coverage, critical care and recovery, dental coverage, vision care, and certain types of hospitalization. For example, a cancer policy may not cover a pre-existing diagnosis of the disease, but would cover policy-specified treatments and expenses for the disease. Accident policies may pay certain cash benefits for injuries that require intensive care placement, emergency room visits, ambulance
www.tahu.org
services and treatments associated with an accident.
According to Bellman, “Policies may vary by individual, geographic region and the insurance company offering the product. These are among the issues that consumers should discuss extensively with a professional when determining which coverage options best fit their needs.”
Other policies may cover some expenses surrounding critical illnesses, such as heart attacks, paralysis, blindness and organ transplants. In these cases, some policies will pay a benefit to cover certain life expenses, such as mortgage payments, utility bills and child care. Each policy will have conditions and stipulations that consumers need to thoroughly understand.
Because the open enrollment period involves a limited time span, the ability to purchase ACA-compliant coverage does not exist throughout the year. Having a limited time to enroll is a critical piece of health care reform that allows individuals with pre-existing conditions to have access to guaranteed coverage. Having an enrollment deadline requires healthy and unhealthy individuals to purchase health insurance policies, thereby eliminating the option of waiting to purchase coverage until they become ill.
“Today’s health insurance market must balance having guaranteed access to health insurance for everyone, while striving to make coverage affordable for consumers,” said Bellman.
“Missing the enrollment deadline is not an ideal position to be in, but at least there are options for bridging the coverage gap between now and the beginning of 2015. Sorting through the options can easily overwhelm a consumer not familiar with the complexities and details of health insurance policies. Benefit professionals are available at no additional cost to consumers to help them understand and weigh their options,” Bellman added.
Consumers can click here to locate a professional benefit adviser in their area.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters

Many Unaware Significant Affordable Care Act Deadline Looms

March 31 Deadline to Enroll for Health Coverage May Be Last Chance for Most in 2013
(AUSTIN, TEXAS – March 4, 2014) While most of the attention in recent months on the Affordable Care Act (ACA) has focused on its bumpy rollout and the deadline to gain coverage by January 1, 2014, the approaching open enrollment deadline of March 31, 2014, may be far more significant than most realize.
According to the law, anyone who has not purchased ACA-compliant coverage by March 31, 2014, will be unable to do so for the remainder of the year unless they experience a “qualifying event” such as a marriage, divorce, birth or adoption of a child, or loss of a job. Those not qualifying for special enrollment after March 31, 2014, will have to wait until open enrollment for 2015 opens on November 15, 2014, in order to purchase coverage.
Unless you’re exempt from the requirement to obtain coverage, you could face a penalty of $95 or up to 1 percent of your household income, whichever is higher, if you do not obtain ACA-compliant coverage for 2014 by March 31. While many may be inclined to pay the first-year penalty rather than incurring the cost of purchasing coverage, the lack of health insurance could prove devastating should they experience a health care event or illness after the deadline. Surveys suggest that a large number of consumers are unaware that they will not have access to coverage for the remainder of the year after March 31, 2014. A recent Enroll America survey found that over 80 percent of Americans did not know of the March 31 deadline to enroll in policy purchased from a Health Insurance Exchange Marketplace.
Mark Bellman, president of the Texas Association of Health Underwriters, cautions consumers about taking that risk. “While a quick analysis of the low first-year penalty versus paying for the cost of coverage might seem like a no-brainer, a more important consideration might be, ‘Can I handle the cost of a broken limb or serious illness should that occur?’” he said.
Bellman added, “When these considerations are weighed, most consumers realize very quickly the risk is greater than they are willing to take.”
According to AFLAC’s Real Cost Calculator, without health insurance the average cost to treat a broken leg is over $10,000. The average cost of treating breast cancer, the second leading cause of
www.tahu.org
cancer death among women, is $128,556. For a severe heart attack, the average real cost is about $1 million. The Healthcare Bluebook reports the average cost for appendicitis without insurance is $10,091.
In the past, Texans unable to obtain health coverage were able to do so through the Texas Health Insurance Risk Pool (THIRP). THIRP has served as a safety net for approximately 20,000 Texans, but will be closing its doors on March 31, 2014, leaving no other alternatives aside from private options offered inside and outside the state’s Health Insurance Exchange Marketplace.
A key and popular component of the Affordable Care Act allows for access to coverage regardless of any pre-existing health condition an individual may already have. To ensure that consumers did not wait until they were ill to purchase coverage, open enrollment periods were included to promote responsible health insurance coverage and to allow insurers to spread the risks and costs of providing coverage among a broad pool of healthy as well as sick individuals.
The concept of spreading the risk among a broad pool of both sick and healthy individuals is the underlying premise that makes insurance coverage possible and is a major part of the Affordable Care Act. Without enrollment timeframes, it is believed that the vast majority of consumers would wait until they were about to incur medical costs before they purchased coverage. The result would be exorbitant premium rates that would be required to fund the costs of mostly sick individuals who would comprise an insurance pool.
“There are a lot of moving parts to the new law, and those purchasing coverage will be well-served to ensure they have the full picture of their options and the consequences of their decisions. Their choices could determine their ability to afford the care needed to remain healthy, manage an unexpected injury or deal with a life-altering illness,” stated Bellman.
Bellman added, “In addition to being unaware of the approaching deadline, many consumers are overwhelmed with the choices and decisions they are facing. Professional benefit advisers are nearby to assist individuals and families as they examine their options. Accessing the services of a professional benefit adviser does not add to the cost of coverage, so it’s essentially a free service that provides professional advice, guidance and peace of mind.”
Consumers interested in locating a professional benefit adviser in their community who can assist with questions about the Affordable Care Act may do so at www.tahu.org.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters.

Countdown to Health Care Coverage

Most Have One Week to Purchase Coverage for 2014
(AUSTIN, TEXAS — March 24, 2014) American consumers have only one week remaining in the current calendar year to enroll for and purchase health insurance before the Affordable Care Act’s (ACA) March 31, 2014, deadline for enrollment. Failure to purchase by the deadline may result in a tax penalty as well as potentially devastating medical costs due to the lack of coverage for the remainder of the year. As the deadline approaches, experienced benefit professionals are available to assist individuals and families — a service that does not add to the cost of a policy.
Using a benefit professional to assist is a service that most do not realize is available with no cost to the consumer. Fees paid for the services of professional benefit advisers are built into the cost of an insurance premium and paid for by insurers, meaning the cost of purchasing a policy will be the same for a consumer who uses a benefit adviser as one who does not.
“Many people have delayed making a decision about their coverage, perhaps feeling that health insurance is too complex,” said Mark Bellman, president of the Texas Association of Health Underwriters. “But the time for decision-making is now. Fortunately, health insurance agents can simplify the issue. They will sit down and help customize coverage to meet each person’s medical, financial and family needs.”
“Benefit professionals offer the same service to business owners,” he said.
When the six-month open enrollment period concludes at the end of this month, there will be no more opportunities to purchase ACA-compliant coverage for the rest of 2014.
The only exception to get coverage this year will be for someone experiencing a “qualifying” life event, such as marriage or divorce, birth or adoption of a child, or loss of employment. Bellman noted, “At this point the federal government has given no indication there will be an extension for the 2014 enrollment period.”
Anyone who can afford health insurance and does not obtain coverage will face a penalty of $95 or up to 1 percent of household income, whichever is higher. The next enrollment period, beginning in November, will be for coverage in 2015.
www.tahu.org
“The six months of open enrollment have had their share of obstacles,” Bellman said. “First, the federal health care computer system faltered when enrollment opened Oct. 1. Also, many consumers say they lack sufficient information about the ACA to make major decisions. So it’s not surprising that some consumers have taken their time, he said, or found it difficult to understand all the components of the new health care program.”
Benefit professionals throughout Texas can explain all the options, he said. “Our members are licensed, well-trained and experienced at helping consumers make informed choices. The decisions made this last week of enrollment might determine how well individuals deal with a future injury or illness.”
Staying healthy is vital, he said, because an injury as common as a broken arm can cost thousands of dollars in medical bills. Treating a serious illness such as cancer easily tops $100,000. Beyond cost savings, another advantage is that ACA-compliant coverage now covers preexisting health conditions.
To find a professional benefit adviser in any locale, visit www.tahu.org or click here.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters.

Next Step in Affordable Care Act Rollout May Mean Different Things for Consumers

(AUSTIN, TEXAS – January 29, 2014) With the deadline for January enrollment of the Affordable Care Act now having passed, many consumers are considering the next steps in the rollout of the landmark health care legislation. For those who have not yet purchased a health plan, the next step will be selecting their coverage prior to the March 31 deadline, when the enrollment period for the year officially ends. For many who have purchased coverage, the next steps may involve addressing doctor or prescription issues with their new health plan. In some instances, those steps may involve considering how to rescind the health plan selection they have made.
“As countless Americans have discovered over the past few weeks, making the selection of the best coverage for their circumstances is a complex and sometimes overwhelming decision. Many Texans will face coverage options for the first time without realizing the impact of their decisions,” said Mark Bellman, president of the Texas Association of Health Underwriters.
Bellman continued, “In the past, individuals have relied on their employer or insurance professionals to offer options for coverage. Now, as many consumers attempt to tackle this decision on their own, they are discovering an array of considerations that many do not fully understand.”
While consumers are attempting to understand the details of co-pays, coinsurance and deductibles, many are learning the plan they purchased may not include the doctor they have seen for years. Some have also learned that medications they take regularly may not be covered. The out-of-pocket cost of those drugs or treatment from an out-of-network doctor can create a financial burden greater than the savings or other advantages of the new plan.
Bellman stated, “It may not be a bad thing if someone hasn’t made a decision. It’s not too late to enroll, and it’s not too late to enlist a professional benefits adviser to help you make the right choices.”
“Seeking the assistance of a nearby professional will not cost the consumer and will not add to the cost of a policy. It’s essentially a free service to the purchaser,” Bellman advised.
Individuals who have not purchased a health plan have until March 31, 2014, to make their selection for coverage this year. After the deadline passes, individuals will only be able to enroll for coverage if they experience a life-changing situation, called a “qualifying event.” Qualifying events
www.tahu.org
include a change in marital status, a change in family size, a move to another state, and certain changes in income.
Many individuals who are discovering that their doctor or critical prescriptions are not covered are attempting to find out what they can do to avoid increased out-of-pocket costs they now face. While the federal government is asking insurance companies to help minimize disruption by working with consumers on these types of complications, any agreements to do so are voluntary and likely short-term solutions.
Those unhappy with their plans may choose to cancel their coverage, but they would be wise to contact a professional benefits adviser before doing anything to end their policy without securing additional coverage.
Many individuals who have already purchased a primary health plan are also interested in purchasing additional insurance products such as dental, vision, long-term care and disability coverage. Since these products are not part of the essential health benefits included in coverage for adults, they will need to be purchased as stand-alone policies. Professional benefit advisers can provide guidance on additional coverage available for interested consumers.
“There are a lot of moving parts to the new law, and those purchasing coverage will be well-served to ensure they have the full picture of their options and the consequences of their decisions. Their choices could determine their ability to afford the care needed to remain healthy, manage an unexpected injury or deal with a life-altering illness,” added Bellman.
“They don’t have to make these decisions in the dark. There’s help nearby.”
Consumers can click here to locate a professional benefit adviser in their community who can assist with questions about the Affordable Care Act.
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Texas Association of Health Underwriters (TAHU) is a state trade association representing licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers seeking health insurance coverage. TAHU is a state chapter of the National Association of Health Underwriters.

 

2012 Golf Tournament:

First, we would like to thank our sponsors of this year’s tournament:

Tournament Event partner HR&P
Platinum Sponsor MHealth
Gold Sponsors

Assurant Employee Benefits

  United Concordia

Silver Sponsors:  

Aetna

NOVA401k
Always Care Sun Life Financial
BenefitMall Superior Vision
BlueCrossBlueShield of TX Transamerica
Cigna United Healthcare
George Evans & Associates ICB America
Kelsey Care< Klene & Bratsakis
Lone Star Health Plans  

Hole Sign Sponsor AFLAC
Registration Table Sponsor Dental Select
Prize Package Sponsor Financial & Insurance Consultants
Putting Contest Sponsor Guardian
Lunch Sponsor Humana
Golf Cart Sponsor Standard Life & Accident
Hole Sponsor United Healthcare Medicare

 We would also like to thank the individuals and organizations that donated the silent auction items as they are an integral part of our fundraising.  We gave away many raffle items and three Kindle Fires to those players that participated in the “In the Circle” raffle

And now to announce the winners of the tournament!

First Place Team(59) H R & P - Kevin Roblyer, Craig Hainline, and Brad Crain
Second Place Team (60) H R & P  - Mike Holley, Steve Gray, Mike Pede, and Harold Price
Third Place Team(61) Kelsey Care - Matt Horn, Steve Morris, John Brock, and Brandon McGraw
Longest Drive(Men) Mike Holley
Longest Drive(Women) Traci Howell
Closest to the Pin Steve Gray

 

The HAHU Golf Tournament Trophy will have the first place teams names engraved on it and will be delivered to them for safe keeping until next year.  I am sorry to say that no made the hole in one for the car or the 50 ft. putt for the $5000 cash prize.
I would like to invite each member that participated or worked on the tournament to email any suggestions that you may have on how we can improve the tournament next year.  Send your comments to craig@splawnandassociates.com.

Volunteers: Craig Splawn, Jeffrey Bacot, Kathi Sandler, Nannette Richardson, Jo Middleton, Tom Cottar, Sara Kramer, Denise Kawas, Angela Moore, Gary Starns, Crystal Hoffman and Terrell Rogers and Ben from My Broher's Keeper.


Notes from HAHU's 2009 Symposium:

The event was a great success! We had a packed event. We sold all of our booths and individual tickets. The speakers and CE instructors all did a great job.


HAHU Health Care Forum - Sugar Land, TX 9/2

Intro -   http://www.youtube.com/watch?v=c8JSscAhzSE
Lonnie Klene's Opening Remarks -  http://www.youtube.com/watch?v=i1gBeXbaQWA
Pete Olson’s Presentation -  http://www.youtube.com/watch?v=jmiQ2GBki3w
Where to get info on HB 3200 -  http://www.youtube.com/watch?v=wtvAMpTA7rU
Uninsured/Under-insured -  http://www.youtube.com/watch?v=0rRExdRUIvk
Policy Debate -   http://www.youtube.com/watch?v=PznCtjSleCE
Rationing of Care -  http://www.youtube.com/watch?v=b7Vq3s7hKWM
Tax Deductible -  http://www.youtube.com/watch?v=_c9Har6k83U
Limited Benefit Plans - http://www.youtube.com/watch?v=MlYxUXRSqQM

Congressman Gene Green Town Hall Meeting

Clip 1   Clip 2  Clip 3  Clip 4  Clip 5

Clip 6  Clip 7  Clip 8  Clip 9

2006-2007 TAHU President - Houston Business Journal

2005 NAHU Capital Conference(Businesswire 2/11/05)

 

 

The LTCi Messenger from NAHU

 
 

 

An All-Too-Familiar Story   By Janet Trautwein, NAHU Executive Vice President and CEO
With this first edition of our LTCi Messenger, I would like to share a personal story that I hope will underscore the importance of what we do for those we serve. Like many of us, I am dealing with children in college while facing decisions about the care of aging parents. My mother has now, at the age of 83, begun to have health conditions that need closer monitoring than we can provide. With three sisters spread all over the country, getting her to doctor's appointments is a challenge, much less the daily support she really needs with her care.

Unfortunately, since she is no longer able to live on her own, she has few options. Her income is very low and is eligible for both Medicare and Medicaid. She is fiercely independent and wants to make her own decisions and have her own place to live. Right now she has home health care nurses checking on her weekly but what she really needs is help with meals and some other daily activities like bathing and medication management. She has become frail, and with advanced osteoporosis, one fall could be devastating. My sisters and I have put pieces of services in place for her, but she would benefit greatly from a more coordinated approach. What she really needs is to be in an assisted living facility, but she lacks the funds to pay for it and Medicaid will pay only for a nursing home.

Like most Americans, she gave little thought to whether it would be a good idea to plan for a time when her health was no longer what it once was. And although we might have planned for this, we didn't. Now we are scrambling to find a way to pay for what she needs.

Your clients can avoid the dilemma we are facing. What you are doing to help them plan for the future is critical for both the people to be insured and their family members. You are making a huge difference in the lives of many. One way to educate people about their long-term care needs is through brochures from respected third-party sources, such as the LIFE Foundation's new resource.

How Much Does LTCi Cost? Just Give Them the Facts   By Tobe Gerard
When a prospective client says to me: "Long-term care insurance -- it's too expensive!"  My answer is always: "Too expensive compared to what? Too expensive compared to a new car? Too expensive compared to a trip to Fiji? Too expensive compared to your child's college tuition?" According to the 2012-2013 Sourcebook published by the American Association for Long-Term Care Insurance, the largest open claim for a man has been going on for over six years and the insurance company has already paid out over $1.2 million. The man's annual premium was $3,374 and he went on claim during his third year of owning his policy. The largest open claim for a woman has been going on for over 14 years and has paid out over $1.7 million. The woman's annual premium was $881 and she too went on claim during her third year of owning her policy. While these dollar amounts may seem far removed and even extreme, the reality is that in 2011 alone long-term care insurance companies reported over $6.1 billion of incurred claims nationwide.

So if a prospective client says to you: "Long-term care insurance --- it's too expensive!" tell him or her that according to the American Association for Long-Term Care Insurance "the nation's 10 leading long-term care insurance companies paid over $10.8 million in daily claims." Where the rubber meets the road, you'll find long-term care insurance is there.

Cashing in on LTC Awareness Month   By Honey Leveen
Long-Term Care Awareness Month (LTCAM) was created in 2001 by the American Association for Long-Term Care Insurance. It is observed during the entire month of November, and its sole purpose is to make the public aware of the need for responsible LTC planning.

In light of today's economic uncertainties, LTCAM is a good tool to use to shine light on the fact that people who want to ensure the broadest range of options when they need care, must either bear the potentially high cost of LTC themselves, or buy reasonably priced LTCi.

Watch for a special 4-page LTCAM insert in the November issue of Kiplinger's Personal Finance. It commemorates LTCAM and gives excellent consumer information on LTCi and LTC planning. Several LTCi carriers should have reprints of this insert available.

Here's an article published in the February 2012 issue of HIU Magazine, which gives additional tips on how producers can easily and inexpensively capitalize on LTCAM.

The 3in4 Need More Association and the TX LTC Partnership Launch an Exciting Joint 
     Pilot Program   By Honey Leveen
In late July 2012, a very exciting pilot program supported and sponsored by the 3in4 Association, the Texas Long-Term Care Partnership and the Texas Department of Health and Human Services was launched.

The goal of the 3in4 Association is to "raise national awareness of the need for each citizen to develop a long-term care plan and to educate on the private and public products available to them." 3in4 Association, individual members and sponsors come from diverse, non-governmental areas of the long-term care industry.

Ten Texas based LTCi specialists were carefully vetted and trained by the 3in4 Association. Their task was to educate Texans on the how and why of responsible long-term care planning through a series of free public seminars, which took place in Austin, San Antonio, Houston, and Dallas/Fort Worth.

These seminars coincided with the 3in4 Association's well-publicized three-month, cross-country bus tour, featuring spokesperson Dr. Marion Somers.

This project is of particular interest to NAHU members because it proves the necessity of advisors throughout the insurance sales process, which is one of NAHU's key advocacies. The TX LTC Partnership and the Texas Department of Human Services are highly motivated to inform the public that people must plan responsibly for long-term care, ahead of such an event. These agencies understand they cannot do this without help from advisors.

All parties involved consider the seminars to have been successful. A high degree of trust between the 3in4 Association, the TX LTC Partnership, and the TX Department of Health and Human Services was established.

The 3in4 Association hopes that these successful seminars will open the door to similar government and private enterprise collaborations, and that similar outreach will be replicated in Texas and throughout the US.

Meet JOHN GREENE, NAHU Vice President of Congressional Affairs   By Sally Leimbach and
     John Greene

John has held this position with NAHU since September 2000. He has primary oversight of federal lobbying activities for the association. During his tenure, John has developed extensive relationships with Congressional leadership, committees and professional congressional staff. While working with federal agency regulations affecting health agents and brokers, John has established strong relationships with the career federal regulators at HHS, DOL, and CMS. This clear communication line has proved invaluable to NAHU members on a number of occasions.

Co-author of the NAHU HIPAA Privacy Manual, John was also the lead on the LTC Partnership provision included in the DRA of 2005, and currently serves as NAHU staff representative on both the Medicare and LTC Advisory Groups. With 12 years "under his belt," he is extremely well qualified to be effective in the important role as "Our Man on the Hill."

In that capacity, beginning with the next newsletter, John will provide readers with the latest Congressional activity that can influence our clients and our livelihood.

To send John your inquiries, email him at jgreene@nahu.com.

You Can Make a Difference...and a Livelihood!   By Honey Leveen
You can make a difference when you sell LTCi and you can also make a lucrative, persistent income. Our nation needs advisors who are trained in, and understand LTCi. NAHU can help members acquire LTCi competency.

NAHU is also the largest advocate for strong and sane LTCi legislation in Washington, DC and member home states. It has established its reputation as a "go-to" source. NAHU's input and advice on responsible LTC legislation are often sought by policymakers. If you wish to see the LTCi industry grow and flourish, NAHU membership is important.

This newsletter was created by NAHU's Long-Term Care Advisory Committee, which gives ongoing input that is used to formulate NAHU's position on LTCi. Comments are welcome and should be directed to fross@nahu.org.

 

Members of the Long-Term Care Advisory Group 

Chair
Barry J. Fisher - LTCP
Email: barry@paradigmins.com

 

Sitting Member
Tobe L. Gerard - CSA, CLTC,MBA,MLS
Email: tgerard@tobegerardinsurance.com

 

Sitting Member
Eric Holtzman
Email: eholtzman@ltcr.com

 

Sitting Member
Sally H. Leimbach - CLU,CEBS,LTCP,CLTC
Email: sally.leimbach@franklinmorris.com

 

Sitting Member
Frank Joseph Lessen - LTCP,DIA,MSAA
Email: jlessen@verizon.net

 

Sitting Member
Honey Leveen - LUTCF,CLTC
Email: honey@honeyleveen.com

 

Sitting Member
James J Lui-Kwan
Email: jluikwan@amghi.com

 

Sitting Member
John C. Parker - RHU, LTCP
Email: ParkerAgency@ct.metrocast.net

 

Sitting Member
Barclay G. Sisk
Email: barclay@1statlanticbrokerage.com

 

Sitting Member
Claude Thau
Email: cthau@targetins.com

 

NAHU Staff Liaison
John Greene
Email: jgreene@nahu.org

 

Sitting Member
Pam Mitroff
Email: pmitroff@nahu.org

 

NAHU Staff Liaison
Farren Ross
Email: fross@nahu.org 

 

 

National Association of Health Underwriters, 1212 New York Avenue NW, Suite 1100, Washington, D.C. 20005 

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