Saturday, September 26, 2009

Should the Healthcare Debate be One Sided?

I am confused, the President goes around saying how he wants the eliminate Medicare Advantage programs, which I have been told by some seniors that they love (I do not sell these products or supps), but when the insurance companies try to inform thei...r clients, they are required stop, what is going on? Can we not have open debate? Are we looking for solutions or elimination of private insurance companies?

Please read the below article.


GOP raps Dems for hushing insurers on Medicare
CHARLES BABINGTON - 9/22/2009 8:54:48 PM

Republican lawmakers rebuked the Obama administration Tuesday for telling health insurance companies to stop warning elderly customers about proposed health care legislation, which some equated to a gag order.

At least one prominent insurer has misrepresented the pending bills to frighten older Americans, the administration says. But GOP leaders said the companies, whose income could be reduced by the legislation, are entitled to free speech and political debate.

Tuesday's exchanges came as a Senate committee began debating a health care bill most Republicans oppose. President Barack Obama supports the bill's main provisions, and the flap over insurance companies' mailers is the latest front in a long-running dispute.
"It is outrageous that the Obama administration is trying to keep seniors in the dark about the consequences of congressional Democrats' costly government-run health care bills," House Republican leader John Boehner of Ohio said.

The Senate's GOP leader, Mitch McConnell of Kentucky, said citizens and companies "have a fundamental right to talk about legislation they favor or oppose."

The Centers for Medicare and Medicaid on Monday sent a notice to all companies that sell private Medicare coverage and stand-alone drug plans to seniors. Saying at least one insurer was misleading those customers about the proposed legislation, it told the companies "to immediately discontinue all such mailings to beneficiaries and to remove any related materials directed to Medicare enrollees from your Web sites."

The warning came after Senate Finance Committee Chairman Max Baucus, D-Mont., launched an investigation of Humana Inc. Humana is one of the largest private insurers participating in a program called Medicare Advantage.

Federal subsidies to private Medicare plans average about 14 percent higher than those involved in traditional fee-for-service Medicare coverage. The health care bills pending in Congress would reduce or eliminate the difference.

A Humana mailer, now discontinued, told customers, "if the proposed funding cut levels become law, millions of seniors and disabled individuals could lose many of the important benefits and services that make Medicare Advantage health plans so valuable." It encouraged customers to contact their members of Congress.

McConnell criticized Baucus, without saying his name, for targeting Humana, which is headquartered in Louisville, Ky. Humana executives have contributed heavily to McConnell's Senate campaigns and a university center named for him.

Baucus said Monday, "it is wholly unacceptable for insurance companies to mislead seniors regarding any subject _ particularly on a subject as important to them, and to the nation, as health care reform."

His office said Tuesday he stands by those remarks.

Friday, September 4, 2009

Workers Keeping Voluntary Benefits: Study

If you are not offering voluntary benefits to your employees, you should reconsider. First this article prove that the employee places value in these benefits. Second, theses benefits are employee paid, therefore not cost to the employer. And third, there could benefit a tax benefit for the company if the employee elects the benefit (s). Contract Ray Ward at 916-677-2130 x101 to see if these benefits would make sense for your company.


By STAFF WRITER National Underwriter Published 9/3/2009

Despite a drop in discretionary income, only 11% of workers plan to decrease their 2010 voluntary benefits coverage, a new MetLife Inc. poll finds.


And nearly one-quarter of those planning to decrease coverage this year expect to increase their benefits during next year’s open enrollment period if the economy improves, reports MetLife, New York.


According to MetLife’s new 2009 Open Enrollment Poll, 89% of employees are planning to maintain or increase the number of benefits they select or their coverage for next year, despite the fact that 37% report that their household’s discretionary income decreased this year.

Despite the depressed economy, 89% of employees are confident in their ability to evaluate their options and pick the right employee benefits for themselves and their families. As a result, 76% plan to spend about the same amount of time this year as last when it comes to choosing their benefits.


MetLife found 13% plan to spend more time on benefit selection during this year’s open-enrollment period. Of those, 57% will spend an extra 60 minutes or more. As for their reasons for spending more time, 64% cite current economic events or financial security, and 31% say a major life event was the impetus. Additionally, 15% felt they made some wrong decisions on the employee benefits they selected during last year’s open enrollment period. Yes just 3% of all workers surveyed say that they are not confident in their ability to weigh their options and choose the right benefits.


MetLife found that employer communications make an important difference in employee involvement in their benefits decisions. Of employees who said they’ll spend more time making benefits decisions this year, 29% say their employers were communicating more about the importance of employee benefits.


“Employer communications regarding benefits need to be targeted in a way that encourages dialogue and address all family members, since half of employees share the benefits decision-making with their spouse or domestic partner,” said Dr. Ronald Leopold, vice president for MetLife’s U.S. Business.


Noting the rapid approach of the open enrollment season, MetLife recommends several steps for employers to take to ensure that employees get the information they need to make informed decisions:

--Distribute personalized, clear total compensation statements, which explain to employees the value of their complete compensation and benefits. Only 43% of employers provide a total compensation statement, another MetLife study found.

--Provide decision-support tools to employees, such as Web-based calculators, which can advise employees on which benefits to select and proper coverage levels.

--Personalize materials—for instance, by providing access to information based on employee life-stage and life events (e.g., getting married, having a child or buying a home).

--Use several communication channels, such as on-site educational programs, telephone consultation services and on-line tools.

--Provide off-cycle enrollment: MetLife found 38% of employees would be interested in learning about and modifying their benefits choices more frequently than once a year, in particular those that are planning on spending more time on their benefits decisions.

The telephone poll was conducted in late July among 1,000 full-time employees, 18 years or older, at companies with 10-plus employees.


http://www.lifeandhealthinsurancenews.com/News/2009/9/Pages/Workers-Keeping-Voluntary-Benefits-Study.aspx#