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“Sanctions also will affect the balance sheets of Russian insurers and their relationships with international partners,” added Todor Kitin, financial analyst. “The valuation of investments would be affected by a prolonged equity market downturn, any increase in the Russian Central Bank’s policy rate or a widening of credit spreads. On the other side of the balance sheet, higher-than-anticipated inflation would impact claims costs, with potential implications for the adequacy of reserves.”
Single-payer proponents haven’t been able to broaden their movement beyond liberal activists or convince people that they should pay higher taxes in exchange for scrapping health care premiums, deductibles, and copays.
The Feds are about to set higher interest rates in March, or so those on the streets say. It is expected more hikes will follow each quarter of 2022. With the government printing presses working overtime, dumping more fake money into the economy, prices are going up everywhere and the feds are worried, or should be. The fake money supply has increased by more than 20% in the past year alone.
Given the current litigation over the implementation of the No Surprises Act, I thought it worthy to highlight this “Bill of the Month” from NPR which highlights a “loophole” when a facility fails to provide the necessary documentation to support an ER claim.
Ever been told as a kid you couldn’t have something?
Business is about solving other people’s problems. Solving the high cost of healthcare giving employers a competitive advantage is ours.
Drug pricing in this country is a scam but most plan sponsors are doing nothing about it. That makes them complicit.
Attention insurance agents! Quote, Bind and Enroll group health plans all by yourself while sitting at home in your pajamas……………………..
Murray was a most amazing character and ended up selling me life insurance….. at 27 years old!
Politicians like to talk about bringing the price of prescriptions down, but per usual, the true leaders in society actually do it………………..
Whether to continue with a status quo health care plan or move to something different, public school districts face social, political, and administrative considerations all of which play an important part in the decision-making process.
ILLUSTRATION: JOSIE NORTON
They are popular with managers and some workers, but overall they achieve little…………
Victor Lustig Would’ve Approved!
“None of us want to underfund a hospital that is providing legitimate services, but this borders on criminal.” – Michael Watson
There’s Gold In Those Den Darn Hills Boys!
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Ever call your insurance company about a claim? Or, if a broker, have you ever responded to an advertisement for a neat, new insurance brokerage product?
Blue Cross contracted hospitals have historically found breaking up is hard to do. The standard BCBS hospital contract is an annuity – hospitals get paid even if they don’t see patients.
What if doctors ran health insurance companies and in a position to develop health benefits based on their training and experience? After all, the doctor knows best…..
Welcome to the fourth LUMINARIES Briefing of 2022. I’m Janet Levaux, editor in chief of ThinkAdvisor, and I’m pleased to announce that nominations for our 2022 recognition program are now being accepted online through April 29, 2022.
Hospital consolidation has crushed everyone’s bank accounts and has led to the rise of anti-competitive contracts that force insurers and employers to accept take-it-or-leave-it terms.
In the last Texas legislative session SB1444 was passed requiring each regional service center to poll all districts within their service area to determine if TRS ActiveCare members are happy or unhappy with their crappy and expensive health insurance benefits.
“Insurers are facing an extreme escalation in inflationary pressures that increasingly strained rate adequacy last year……….”
UnitedHealth Group was the most profitable payer in 2021, bringing in more than double the profit of its next-closest competitor with $17.3 billion in earnings.
”Private investors, retailers and health insurers are pumping billions of dollars into primary-care ventures in a reversal that’s turned one of American medicine’s least-lucrative practice areas into a hot spot.”
Why do self-funded plans hide behind a logo? Employers who self-finance their employee benefit program almost always do. It’s a practiced deception designed to fool everyone.
“Is it acceptable that our biggest employer and charity — one that made $1 billion in profit last year — forces their own employees to choose between paying their medical bills and their rent or getting sued?”
Market Conditions You can expect to pay more for insurance again this year. We suggest that you consider budgeting for these increases:
A Florida appellate court ruled Feb. 4 that Physician Partners of America must pay its competitors for hiring their former employees while they were under noncompete contract provisions……………….
South Texas Insurance Legend & “Tripa Club” Founder
McAllen – Jesus (Jesse) S. Trevino, age 95, died on Friday, September 3rd, 2021 surrounded by his loving family at McAllen Heart Hospital.
It’s Time To Escape From Inside The Box (or are you a scaredy cat?)
Schenectady County is saving millions per year on their group prescription drug program……
Selling is a profession to be learned. It takes skill, experience, and an understanding of human nature.
By Molly Mulebriar
Health insurance in this country no longer exists. It has become nothing more than a highly regulated entitlement, a government utility subjecting employers to punishing government mandates and sanctions if they don’t conform.
Drug Prices Are Too Damn High!
SOURCE: 46BROOKLYN RESEARCH
January is the bellwether month for brand drug price increases, but context is necessary to see how 2022 stacks up to years past.
When seeking proposals from multiple brokers/TPAs at the same time the market advantage is always to the incumbent broker/TPA……………..
“The men that wrote the magnificent documents that created this country, saw that government of any form was inherently evil, and would always be. So they put the power of the individual to work, and set in place safeguards for our protection. We will be using them if you continue down this path.”
The Hartford continues to expand availability of professional liability coverage, and we’re excited to add allied healthcare professionals to our growing list of eligible classes.
Inflation is killing medical providers. More importantly, inflation and the high cost of health insurance is killing the American middle class. Who do you feel sorry for the most?
I am looking for trip tranit insurancer ASAP $400,000 Limit California Market
I am a retail agent looking for a MGA who is working with Protective Insurance, I have a client who has a fleet of over 50 trucks which will fit well with their program.
Healthcare disruptors are a different breed of cat….. Not afraid of status quo pushback…..Committed to doing what’s right based on common sense, reason and logic.
By Wendell Potter
As I noted in my last post, UnitedHealth Group made more profits last year than any health insurer has ever made for its shareholders–and considerably more than Wall Street financial analysts had expected. Investors were so impressed they rushed to buy shares of the company’s stock.
The ACA has a provision regarding not-for-profit hospitals – in return for paying no taxes, hospitals must give back to their communities free or discounted care for community citizens who qualify.
Our forefathers knew that this day would come when governments would overstep their authority and try to control the people. That is why they protected us back in 1792.
Ace Insurance Sales Representative
“Managing partner told her to “roll with the tattoos … loud and proud” in both the official website bio and her personal LinkedIn profile………….
