New Orleans Association of Health Underwriters

October 2007    |   Volume 6, Number 9
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I N  T H I S  I S S U E...

* October Meeting
* Light the Night Walk
* President's Message
*
Message To Our Members: 
  CE Update

* NOAHU In CityBusiness
* NAHU's View on SCHIP
* Want the RHU Designation?
* National Focus on Limited
  Medical Benefits

* Aging Japan Struggles to 
  Rein in Health Costs

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October Meeting

Wednesday, October 24th
Salvatore's Ristorante
8am Registration
8:30 Meeting Begins

HRA & FSA Headaches: 
Electronic Debit Card Issues

Click Here to Register

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Light the Night Walk
Food, Drinks, Entertainment & Lots of Fun for the whole family!

Saturday, October 20th, 2007
Harry Lee Memorial Ceremony 5:00pm
 Registration begins 5:30pm
Walk begins 7pm
Zephyr Stadium

Benefiting
Leukemia & Lymphoma SocietyIf you are interested in participating in the walk, please email info@noahu.org

Click Here to make a regular donation  on a secured site or click here to purchase a $50 raffle ticket for $35,000+ in prizes including a custom Chopper motorcycle!
(Deadline is Friday!)
Help us reach our goal of $1000!!



New Orleans Chapter Receives the Silver Seal Certification


New Orleans AHU was awarded the NAHU Silver Seal Certification last month.  NAHU's Chapter Certification Program is an ongoing program that recognizes excelling chapters throughout the year. Recognition is based on criteria satisfaction in a variety of areas including membership growth, events and administrative functions.

Kudos to your Board Members:  Great- outstanding people working together for our members to make an impact on this industry and community!


 
NOAHU CE SEMINAR SERIES

LUNCH & LEARN:
How Nutrition Impacts Your Health Insurance Costs

sponsored by Blue Cross Blue Shield of LA

Thursday, November 1st
Eastbank Regional Library
4747 W Napoleon Ave
Metairie, LA

11:30am- 1:00pm
Lunch Is Included!

1 hour of CE applied for

Registration Fees:
Pre-Payment by credit card is required to
register due to limited space availability.


NAHU Members:  $10.00 before 10/31
Non-Members:     $30.00 before 10/31


REGISTER NOW!
 
Note:  We now accept VISA, Mastercard, American Express & Discover!!! 

Our new event system will make your registration process easy & seamless!!!   You can cancel with just a $2 cancellation fee up to the day before the meeting. Cancellations requested after that date will not be honored.
 
Guest Speaker:

Jeff Leach
Founder, Paleobiotics Lab


Jeff Leach is a science writer, anthropologist, and health advocate. Jeff is the founder of the Paleobiotics Lab, an independent research group exploring the evolution of diet and nutrition and its possible relevance to understanding modern health and well-being among humans. He has appeared on the Discovery Channel, Discovery Health Channel, the BBC and others.

 

President's Message

Saturday is an important day in Louisiana- and I'm not talking about the LSU-Auburn game!  It's Election Day and I want to urge you to get out and vote!  Be a few minutes late to that tailgating party and take the time to cast a vote for whicever candidates you choose.  With a new governor and a huge turnover in the legislature, the candidates we elect will have a great impact on the future of our state.  So whomever you favor, please just vote!!!

I had the opportunity to sit and talk to Representative Karen Carter as myself, Immediate Past President Kenny Collins and LAHU Legislative Chair & Baton Royge President Ronnell Nolan presented her with a HAPAC donation.  We had a great discussion on the possibilities for LaChip, our plan to help introduce Long Term Care partnerships in the state and the structure of a charity medical system in New Orleans.  Thanks to Bill Eastin for delivering checks to our other recipients!  We were pleased to have some candidates on hand to introduce themselves at the September meeting including NOAHU member George Branigan, John Illg, Joseph Lopinto, Cameron Henry, Steve Scalise.  Not present were NOAHU member Natalie Tatje, Ernest Wooten, Terrell Harris, Colleen Hawley and Jack Donahue.  Some candidates have said they will drop in at the October meeting to say "Thanks."

The insurance industry is one of the most regulated industries in the country.  It is so important that we have the opportunity to share our views with our legislators so we can make sure that our voice is represented.  That is what Political Action Committees do for us.  I enourage every member to donate at least $10 a month to our national PAC- Health Underwriters Political Action Committee- using auto bankdraft.  It is so easy and less than 2 cups of coffee (at Starbucks, anyway!) You can join at www.hupac.org.  HUPAC is able to contribute to federal legislators.  Louisiana has the Health Agents Political Action Committee to contribute to state and local elections.  Just $100 gets you voting rights and input on to whom the money is contributed.  Click here to get more information on HAPAC.

Get involved, don't forget to vote Saturday and GEAUX TIGERS!!!

Jennifer Toups
NOAHU President


 
Message to Our Members

Continuing Education Certificates Update
 
As the end of the year nears, a lot of people are scrambling for their continuing education hours.  Due to a new computer system, the Department of Insurance's committee is backed up on reviewing submissions.  We are waiting on them to review our courses from April, May, June & September. Once the approvals are released, we will immediately report all the course information to the Department electronically from those months and will be sending out  the last 2 years of CE certificates via email. 
 
We have already electronically reported CE attendees for all courses through March 2007. 

To check what hours you currently have online, go to https://www.ldi.state.la.us/ProducerOnlineRenewals/ProducerLogin.aspx
and enter your license and social security number.  Accept the terms of using the site by clicking "I Agree" at the bottom of the page.  Once you get to the screen with your information on it, click the link to view Continuing Education Courses.  This lists what the Department has on record for you.  If you feel you are missing any courses, please email us as info@noahu.org and we will check the sign in sheets from that event. 

Have You Earned 4 Additional Hours For Being An Active Member?

Remember, one benefit of being a member of a professional association, if you attend non-continuing education events, meetings, Capitol Day, Health Care Expo, or serve on the Board or a commitee and  that accrues to at least 4 hours, you are eligible for an additional 4 hours of Continuing Education for being an active member of the association. We have kept track of attendance at meetings and events for the past 2 years to help us determine eligibility.

IMPORTANT NOTE:  We will report members who have earned this credit to the Department in the 2nd half of December.  In order to receive this credit, your membership must be in good standing and your dues paid to date at that time.  If your membership has lapsed or cancelled, you are not eligible for the 4 hour credit. 

Click Here to view the list of members already qualifying for this credit.  It also contains a list of members who have a possibility of earning the credit and how many more events are needed to qualify.  This list shows activity through 10-17-07.  If you have any questions on this, please email jennifer@noahu.org.

Events that can help you earn your extra credit: October meeting (10/24) , November meeting (11/14), December meeting (12/12)
If you need 5 events, you must attend all 3 meetings, the Happy Hour (12/17) & both CE seminars (11/1 & 12/4). The CE seminars only count for 1/2 of an event due to the content and time constraints. 


 
NOAHU Members Quoted in City Business Magazine

The New Orleans City Business September 24, 2007 issue featured the 2007 Health Care Benefits Guide.  This insert took a look at trends in small businesses health insurance.   As industry professionals, our chapter president, Jennifer Toups and many other members were featured in the article.  Please click here to read the entire article. 

NAHU's View on the State Children's Health Insurance Plan (SCHIP)

NAHU believes that SCHIP should be reauthorized and looks forward to working with Congress and the Administration on the reauthorization process. We think that while SCHIP has certainly helped many American children, the program could stand some modifications and cannot be considered the sole solution to the problem of the uninsured. We are concerned about some of the challenges various state programs have had in enrolling eligible children, as well as regulatory barriers for states and problems with crowd-out.

In particular, we would like to see the reauthorization legislation address covering SCHIP-eligible children through the employer-based health insurance system. Many parents of SCHIP-eligible children have access to employer-sponsored health insurance coverage but cannot afford their portion of the dependent premiums. Some of these parents enroll their children in SCHIP, but many children remain uninsured. NAHU feels that the process for states to voluntarily use SCHIP dollars to subsidize such employer-sponsored coverage must be made much simpler so that more families can be covered together under the same private-market plans. While subsidization of employer-sponsored health insurance certainly won't be the solution for all SCHIP-eligible children, it would be an attractive option for many working families, and NAHU members work every day with employers that would love to be able to offer this type of subsidized coverage to their eligible employees as a benefit.

If access to subsidized employer coverage were expanded, we believe there would be the following benefits:

  • More families would accept employer-sponsored coverage for their children, lowering the number of uninsured children;
  • The administrative burden on low-income families would be lessened, as families could be covered together on the same health insurance plan;
  • It would reduce the “crowd-out” of the private market that occurs when parents decline employer-sponsored coverage in favor of SCHIP coverage for their dependents;
  • It would lower costs by taking advantage of any premium dollars employers are willing to contribute toward their eligible employee dependent premiums—money that is now often “left on the table;”
  • It would also reduce SCHIP costs because the risk associated with covering the children with employer-sponsored coverage would be borne by the private market plan rather than the public program;
  • It would also reduce SCHIP costs because the risk associated with covering the children with employer-sponsored coverage would be borne by the private market plan rather than the public program.
Licensed health insurance producers, who are already helping millions of business owners purchase health insurance coverage for their employees nationally, could provide outreach and enrollment assistance at virtually no cost to the SCHIP program.
 

Interested in Earning the RHU Designation?

Earning the Registered Health Underwriter designation shows a committment to your profession.  
Nearly 8,000 individuals have earned the respected Registered Health Underwriter designation, the premier credential in the health insurance market. Broaden your knowledge with the most comprehensive information available on group insurance benefits and health insurance for individuals and families. The program also helps you stay current with the major benefit protection laws, including COBRA, ERISA and HIPAA.

Earning the RHU designation requires the completion of 3 courses.  Completing 2 additional courses beyond these will also earn your your Registered Employee Benefits Consultant designation (REBC). 

These courses are self-study, but NOAHU is trying to get together a group of people to study together in a class environment to make earning this designation easier. 

If you are interested in earning the designation or teaching the course, email info@noahu.org. 

Course Fees:
Admission Fee (one-time, non-refundable fee for new enrollees at The College): $110.00
Course Tuition: $535.00 per course
Shipping and Handling: $14.00 per course


 
National Focus on Limited Medical Benefits

USA Today recently ran a feature story on limited medical benefit plans.  The headline asked a seemingly simple question:  "Is a little medical coverage that much better than none?"    The article first focused on the plight of a family who received little or not benefit for an unexpected pregnancy complication.  later in the article, a satisfied customer of a limited-medical plan is profiled for balance.

This kind of national exposure is sometimes controversial but also acknowledges the widespread and growing popularity of limited-medical programs.

Limited-medical plan are not major-medical plans and should never be considered as such.  They are intended to be used for day-to-day health insurance needs.  These plans provide dignity of being treated for care versus waiting in the "no insurance" line at an emergency room.

Doctors'' office visits, diagnostic testing, maternity care, preventative are and emergency accident coverage can all be achieved with a limited-medical plan. 

To read the June 6th USA Today article click here. Is a little medical coverage that much better than none? - USATODAY.com  
 

Aging Japan struggles to rein in health costs

TOKYO (Reuters) - At 83, Saburo Iwata shows no sign of taking things easy.  The star of the local senior volleyball team, Iwata rises at 4 a.m. each morning to sweep the street outside his immaculately kept house in Fujisawa, south of Tokyo, and tend his garden.

"When I was about to turn 70, my wife told me I'd have to give up volleyball. But I didn't give it up at 70, nor at 80," he boasts. "It's too much fun."


Iwata is a model for active retirees. He says he rarely needs medical treatment, and he and his wife seem more than able to manage their daily routine without help.


But good health is precarious for the elderly and Iwata and his wife may find themselves among the ranks of Japan's frail and sick, who are starting to overwhelm the country's health and nursing care system.


On the surface, health care, funded by individual premiums, taxes and treatment fees and covering more or less the entire population, seems to be highly efficient.


Japanese boast a life expectancy among the longest in the world, while per capita health spending -- an estimated $2,358 in 2004 -- is less than half U.S. levels.


But Japan's health-care costs are creeping up along with the number of elderly -- reaching an estimated 8 percent of GDP in 2005, compared with 4.4 percent 40 years earlier. More than 40 percent is related to patients aged 70 or over.


And experts say local governments are not planning enough new nursing care centers or recruiting helpers to meet predicted needs.

Other ageing nations will be watching closely to see how far the heavily indebted government can rein in costs especially as the number of elderly in Japan creeps up with projections that 40 percent of the population will be aged 65 and over by 2055.


COST CUTTING

Doctors are encouraged to prescribe generic drugs, and unnecessary consultations have been pruned by bumping up the percentage of costs paid directly by the patient.


A once common joke that elderly Japanese only stay away from the doctor's office on the days when they feel unwell has lost its currency.


The government also launched a concerted strategy to avoid "social" hospitalization, where the elderly are kept in hospital beds simply because they have no one to help them at home.


A tax on over-40s was introduced in 2000 to help fund equipment such as wheelchairs and send carers to private homes and retirement institutions to help the elderly. That allows many who would previously have been in hospital to remain at home or in institutions that are less expensive to run.


The elderly and their families are largely delighted with the this program, but its very popularity is starting to cause trouble. Its budget has doubled to 7.4 trillion yen ($64 billion) since its launch, and the number of elderly recognized as requiring help has likewise swelled to twice the initial figure.


Once again, the government is looking to tighten belts, and this time the more able elderly are among the targets in a related program dubbed "nursing care prevention."


Instead of being offered wheelchairs or help with meal preparation, which some say encourages the elderly to become dependent, relatively able-bodied seniors are being offered assessments to pinpoint how they can improve their health.


"There are two aims here -- to increase the number of lively, healthy old people, and to save on medical costs," an official at the Health Ministry said.


QUALITY OF LIFE

A self-administered questionnaire can lead to prescription of a course of physical workouts to develop muscles and help prevent falls, or to advice on incontinence -- a minor problem that prevents some older people from leaving the house.


"There is evidence to show that people with a healthy lifestyle not only live longer, but have a shorter period of disability at the end of their lives," said Shuichi Obuchi of the Tokyo Metropolitan Institute of Gerontology.


The program he leads, which trains local government officials and others in nursing care prevention, is the most advanced of its type in the world, he said.


Wako, a city of 80,000 near Tokyo has introduced exercise programs meant to pique the interest of the elderly such as a traveling casino aimed at preventing dementia.


"People love this. Even an old lady who had pains in the waist began to walk to grab tokens by herself," said Kyoichi Tonai, the head of the city's elderly care centre.


But many experts are skeptical about whether this kind of effort, launched last year and yet to undergo a rigorous assessment, will actually save much money.


Longer lifespans will almost always mean higher medical costs, according to some researchers.   Even the athletic octogenarian Iwata had to undergo surgery for cancer a few years ago.   "I'm not saying it is a waste of time to try to remain healthy and avoid long-term care," said Takashi Fukuda, director of research at the Institute for Health Economics and Policy. "We just don't know what the economic effects will be."


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