www.heal thopt ionswor ldwide.com

Healthcare Reform 2011: The good, the

bad and the ugly (Part 2)

Introduction to Part 2

Recap of Part 1 Current Issues

New Laws & Coverage

Requirements

Cadillac Taxes

Tax Credits for Small

Businesses

Pay or Play

Medicaid

1099 Repealed

States find reform

“Unconstitutional”

Funding of Healthcare Reform

Will Healthcare reform be “shutdown”?

What are the possible effects on the 2012 presidential elections?

Medical Loss Ratio

MLR=Incurred claims + activities that improve health care quality

Total premium – Federal and State taxes and licensing or regulatory fees (and accounting for risk adjustment, risk corridors and reinsurance)

Healthcare Reform & Insurance Companies

Non- Claim Costs

Agent broker commissions

Marketing expenses

Profits

Putting Carriers Out of Business

Pre-Existing Conditions

Nobody gets turned away

Medicare – Donut Hole

*Steve Shore Insurance http://www.steveshoreinsurance.com

Rebate

50% Discount

Closed by 2020

Free Preventative Care

Advantage Plans – No

Lifetime Limits

Medicare - Baby Boomers

Doctor’s Overhead

Medicare Payments

Patients Actually Seen

Ability to Find a Doctor

Wellness Programs & Healthcare Reform

Grants

Deductions

Participation Increase

Technical Assistance Increase

Proving ROI Easier

Push For Healthy Options

Additional Funds (Tax Credits)

Question & Answer

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