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The post below is a guest blog from Ellen Tucker who serves as Principal, Health & Welfare Consultant  for CAI’s employee benefits partner, HCW Employee Benefit Services. The very nature of the agent-client relationship involves policyholders divulging "all sorts of personal information" to their agent, Bitterlich says. An experienced agent will also be able to make your case to the claims department if you get into a dispute about a claims payment. A good agent also will keep an eye on how your insurance requirements may shift over the years. Look for agents with advanced designations such as Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Chartered Life Underwriter (CLU) or Accredited Adviser in Insurance (AAI). Remember, the goal is to find an agent who is properly licensed, has a good track record and puts your interests first. Among the books for the children, he wrote many books which are legendary among the children. It is evident that, while there is change on the horizon, even more change will occur as employers, insurance carriers and members react to the new options and requirements at hand. State officials will decide how to run insurance exchanges, whether to expand Medicaid coverage and what type of insurance market regulation is needed.
Dual eligibles (individuals eligible for both Medicare and Medicaid coverage) are among the nation’s sickest and poorest and often fall through the cracks of two programs not designed to work together.
Employers have never had a better opportunity to re-examine their long-term role in providing healthcare coverage for their employees. The Medicare Advantage Star Quality rating system relies on consumer input to generate penalties and bonuses for hospitals and insurers. With more than 40 percent of consumers postponing care because of costs, hospitals must be competitive.
Population health management shows promise for better health at a lower cost by creating an integrated system of care. Only 46 percent of hospitals have a security strategy regulating the use of mobile devices.


Interest is growing among insurers to partner with pharmaceutical companies to determine unmet medical needs, and improve medication adherence and clinical outcomes. The 2.3 percent excise tax on medical devices effective this year could prompt consolidation in a $308 billion global industry consisting mainly of small start-ups with lean product portfolios. HCW has developed a “Play or Pay Calculator” that can assist employers in making an objective decision regarding what is otherwise a subjective, reactive one.
HCW offers one-hour meetings to walk employers headquartered in North Carolina through a Reform Readiness Plan. We help more than 1,000 North Carolina member companies maximize employee engagement and minimize employer liability.
So when shopping for an agent, remember that a good insurance agent should do more than just sell you a policy. Such an expert "can guide you through how to fill out a claim properly, so you get paid top dollar for your claim," Hungelmann says. In his books, The Lorax, The Cat in the Hat, Fox in Socks, The King’s Stilts, Horton Hears a Who, Horton Hatches the Eggs are at the top.
The biggest challenge facing state governments over the next year is information technology, as most must conduct significant upgrades to existing systems. The result is a lack of coordination that often leads to poor quality, inefficiency and avoidable costs. This year will likely be the turning point for how healthcare benefits evolve over the next decade. As a result, consumers want convenience in how they purchase coverage and transparency in comparing their options. This could mean a bonus payout of more than $3 billion for insurers and a holdback of $850 million for providers in 2013 based on the impact of the results. Organizations are making full-scale transformations of their care delivery models, including how and by whom care is delivered. Expect to see more partnerships between providers as companies build their population health infrastructure to include shared responsibility for patient outcomes and satisfaction, data collection and analysis, member education and engagement, and a focus on at-risk populations.


With more hospitals permitting clinicians to access electronic health records on their personal devices, privacy and security concerns need to be addressed.
In a recent HRI insurer survey, 43 percent of insurers agreed that they would benefit from a data sharing partnership with pharma companies.
Federal bank accounts stand to gain $29.1 billion over the next 10 years from this tax included in the ACA. To take advantage of this guidance, call 919-403-1986 today and schedule a meeting with on of our experts. QuinStreet does not include all insurance companies or all types of products available in the marketplace.
With the ACA set to add 16 million people to Medicaid by 2019, the number of dual eligibles is certain to increase. Nearly 40 percent of consumers surveyed by PricewaterhouseCoopers’ Health Research Institute (HRI) said they would purchase insurance at a private insurance company retail store.
Hospitals and health systems are feeling the pinch, as nearly a third of the federal government’s value payment program connects to consumer experience and satisfaction. To maintain high quality while implementing sustainable cost reductions, health systems are involving clinicians, staff and patients in redesigning the delivery of care.
Consequently, an increase in the use of retail clinics is expected as consumers seek lower cost options for minor ailments. Geisel also wrote some poetry in his books, and many other poets also follow the same metric.



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