Jun 12th

Healthcare Reform – IPAB Will Change Healthcare As We Know It

By Jeanine Kinzie
How does the Patient Protection and Affordable Care Act (PPACA) affect people? 

Since 2010, insured have enjoyed free wellness care, as long as it fits the guidelines set forth in PPACA.  (Seewww.Heathcare.gov/prevention for details of the wellness treatments you are eligible for.) 

To ensure he didn’t have any concern for lung cancer, my friend, a former smoker, asked during his recent wellness visit for a chest x-ray and was denied.  The doctor said it wasn’t necessary.  His mother died of cancer at age 62.  He is turning 57 this year and felt it was necessary for his peace of mind.  He is willing to pay for it and couldn’t get the Doctor to order the x-ray.  Only 1% of lung x-rays show cancer, but what if he is the 1%? 

The bigger picture is that behind the scenes, PPACA is changing Doctor’s compensation from a “fee for service” (where providers profit from providing more services) to “capitated” payments (where providers profit by providing fewer services) or some hybrid.   Meet the new final authority for health care in America.  It’s not Congress, not the Court, and not “We the People”.  It’s an Independent Payment Advisory Board (IPAB), an unelected, unaccountable 15-member panel empowered to set healthcare standards for spending, care and efficiency that will affect all of us.  It is quite possibly the most dangerous aspect of the entire PPACA law.  IPAB is not required to hold any public hearings and its decisions are not subject to administrative or judicial review.  It has the power to tax and ration care.  This is all by design.  The authors of Obamacare decided to take the difficult matters away from politicians.  The “quality and efficiency” standards set by IPAB affect ALLhealth care, not just Medicare and Medicaid.  This means your utilization of your private health insurance will be affected, even if you are willing and able to pay for treatment.  There will be one standard of care for all.   IPAB has determined too much money is spent in the last year of life.  

Furthermore, as IPAB is reducing compensation to Medicare/Medicaid providers, fewer Doctors can afford to continue serving this population.  There is a silent exodus already in motion from Doctors.  This movement is the beginning of rationed care.  

So how does PPACA affect you?  It will depend on your age, wealth and health.   

*“Hidden Dangers of Obamacare” was used as a resource to this article.

Jeanine Kinzie - Licensed Health and Life Insurance Agent
If you would like to talk to an expert about what this means for your and how you can best protect yourself and your family in the future, Contact Jeanine!
Jun 12th

Can You Afford FREE?

By Jeanine Kinzie
The good news is we have the products you need and many of you are already enjoying the benefits.  Here are a few ideas to consider:

1. If you use your American Heritage or Assurity Accident Plan's Wellness Benefit, your policy is essentially free. If you have an accident, this plan can help pay for your out of pocket expenses and lost income from time off work.  Accidents are the most common use of health insurance. With many on high deductibles these days, accident plans have evolved into integral financial protection

2. Return of Premium can refund all your premiums if you don't get cancer while on the American Heritage Cancer Plan.  Return of premium is also available on disability policies from Illinois Mutual.

3. Properly structured, Indexed Universal Life Insurance can provide tax-free retirement income exponentially more than you put into the policy.  

4. Fixed Indexed Annuities can provide guaranteed income for life, even if the money you put into the policy runs out.  Since people are retiring and living longer than ever, this policy offers great peace of mind.

Set aside a little time to be proactive in your financial protection plan.  Life happens to all of us.  We get hurt, we get sick, it's just a matter of when it's our turn. None escape the inevitable. Death has 100% success rate.  Why not insure the obvious?  

When asked to estimate the cost of life insurance, 95% of the people surveyed estimated too high.  Just let me know your priorities and budget, and I'll bring the best plans to you.
Jun 12th

What Is A Health Insurance Exchange?

By Jeanine Kinzie
In case you haven't heard, major reform implementation is coming in October 2013. This change is optional for you this year.  We will be agents for you whether you are entitled to a subsidy through the exchange or not.  We will provide you with options for keeping your current plan and what new plans are available.

The Affordable Care Act is expected to help increase access to health care. Health insurance exchanges will be an important part of that.

Most people get health insurance through their employers. But people without this option will now be able to shop for health insurance on exchanges, as an alternative to buying coverage directly from individual health insurers. Exchanges will be open for business in October 2013, allowing consumers to shop for health plans that will begin on January 1st.

Click on the video below to watch and find out more.

Experts predict that by 2016, more than 25 million people will use exchanges to buy health insurance.
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We are anticipating the opportunity to provide a review of health insurance options both on and off the exchange after October 1st.  However, the government has not yet extended the paperwork needed to set this up.  About half of the deadlines for the PPACA implementation have been missed.  There is a possibility of a delay in the marketplace.  We will keep you updated in our newsletters.

Sign up for our newsletters HERE.
Jun 12th

UnitedHealthcare is giving away more than 150 health and wellness prizes to members who register and enter the 2013 myuhc.com re

By Jeanine Kinzie

myuhc.com® Member Sweepstakes Runs April 25 to Aug. 31 

UnitedHealthcare is giving away more than 150 health and wellness prizes to members who register and enter the 2013 myuhc.com registration sweepstakes between April 25 and Aug. 31. These prizes include daily, weekly and monthly giveaways of Sports Authority® gift cards of $100, $200 or $500, as well as the grand prize, a four-day, three-night package for two to Miraval® Resort & Spa in Tucson, Ariz. 

You can use the sweepstakes toolkit on the Communication Resource Center to encourage your employees to register and enter to win. The toolkit includes the following materials (subject to change):

  • Member Flier: You can promote the sweepstakes with your employees by distributing the flier, which includes a list of prizes, instructions on how to enter and some key benefits of myuhc.com.
  • Member Flier – Spanish: Spanish version of the member flier listed above.
  • Member Poster: Similar to the member flier, you can display the poster in break rooms, conference rooms, etc. Printed copies can be requested via your UnitedHealthcare strategic account executive.
  • Intranet, Newsletter and Email Copy: You can copy and paste this text into their internal communications to promote the sweepstakes.
  • Banner Ads: You can use banner ads of various sizes on their intranet to generate awareness of the sweepstakes and drive registration.  


Sweepstakes promotional period 4/25/2013 - 8/31/2013. Members who are already registered can enter the sweepstakes at http://promos.welcometouhc.com/myuhc. Complete sweepstakes rules and prize details can be found when registering at myuhc.com or by visiting http://promos.welcometouhc.com/myuhc
Jun 11th

How To Make The Most Of Your Business Listing

By Elizabeth Nicholls
Listing your business on many websites is one of many tangible things you can do to increase your own website's search engine ranking. However, it is not as simple as that. Here is a list of guidelines that will maximize your efforts and get results:
  • Only list your business website or do reciprocal links with other websites if it makes sense for your business to appear there - Is it a site related to your field or industry? Is it a business listing site? If you post anywhere and everywhere the search engines will view those as irrelevant results and your website can be left out in the cold all together.
  • There is little benefit to listing your business if you can not also list either your phone number or URL. If you can only list your phone number you will at least have a link to your phone number off of mobile listing sites, but being able to list your URL is the most effective traffic driver. Otherwise, don't bother. Never, Ever pay for a listing that doesn't let you list your website address as a hyperlink.
  • If you are going to pay to list your business, check to see how high the business you are paying ranks on search engines itself, first by doing a search by their name and then by doing a search by one of the categories they offer to list in. I would want to see them appear on the first two pages of Google or Bing.

After you have vetted the sites you are going to list your business on by using the criteria above, the next step is crucial to your efforts being a success; make sure you fill out each profile as completely and effectively as possible.
  • Fill out every field that you can, the more information you can put out about your business in as many different places, asked in slightly different ways helps get your contact information and keywords out there.
  • Give your social media pages when asked, when a page with a large following, such as a high ranking business listing site, likes or follows you it gives you visibility to a high perecentage of its followers.
  • Make sure you pick categories or keywords when asked
  • Make sure that your website will be listed as a hyperlink to drive traffic back to your business.
  • Use hyperlinks to your website in your business description if it is allowed.
  • Create a business description that communicates exactly what you offer. Mix it up. First, use words that the people who call you for your services or products use to describe what you do or have. Second, use words that you use to describe what you do (the official vernacular). This will help your business listings to come up for a variety of search queries, and hopefully you will use just the right word to bring in the customer looking for you!

We encourage you to take a look at your listing on The Women In Motion Business Group and make sure that it meets these standards. Email Rebecca if you need it changed or have questions how you can make it better. Doing this simple exercise will help you improve all your business listings.

If you are a woman business owner and have not already taken advantage of our FREE business listings, which are ranking very well for our members, sign up today!

Rebecca LeClaire - SEO and Online Marketing Expert, WIMBG Contributor
Jun 1st

The 30 Cleanse Your Life Challenge Is Back!

By Elizabeth Nicholls
30 Day Cleanse Your Weight Challenge
Look and Feel Incredible This Summer! Order Now And Be Ready!
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During this 30-Day 'Cleanse Your Life' Challenge facilitated by Crystal Andrus and Xooma Leaders, you will receive:

30 days of incredible Xooma products designed to help you release unwanted pounds, cleanse your body, increase energy, gain lean muscle mass, and look and feel your absolute best! (Full product list is below. Be sure to choose Chocolate or Vanilla.)

30 daily inspirational/motivational emails with accompanying mp3srecorded by world-renowned Empowerment Coach, Crystal Andrus! Crystal shares her insights, tips, tricks and positive visualizations that will help you CREATE and SUSTAIN the perfect conditions and environment for you to achieve massive success physically, emotionally and financially! You'll understand yourself like never before: Why you sabotage, how to overcome temptation, and how to not only lose weight but maintain your weight loss! Plus, listen to 'real' coaching calls Crystal has with other Xooma 30-Day Challenge Participants. Discover you are not alone!

Join our weekly LIVE teleseminars/webinars held every Monday evening at 8pm ET / 5pm PT for all participants led by Crystal and other Xooma leaders! You will love the energy and excitement!

Join our Members Only Private Community Forum where you can chat with Crystal, other Xooma leaders, and everyone in our Xooma community. Share your struggles and successes and get the on-going support you need. Community builds immunity and we want you to know you are not alone!

A chance to be personally coached by Crystal Andrus
(one winner will be chosen each week during our LIVE weekly teleseminars. Worth $275 per coaching call)

Join NOW by clicking on one of the packages HERE! Order ahead of time to have your cleanse product ahead of time.

Visit my facebook page to read about the benefits and need for what the Xooma product provides.
May 14th

Good health is your number-one asset!

By Jennifer Ettinger
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Good health is your number-one asset!

Vemma makes protecting your health easy with its ultra-premium, liquid formula that provides the vitamins, minerals and nutrients for greater health and wellness.*

Combining traditional Eastern wellness philosophies with modern Western scientific principles, the Vemma formula was created with a unique blend of Vitamins, Essential Minerals,Mangosteen and Aloe to provide a powerful nutritional formula unlike any other.
The Benefits Of Vemma
  • Protect and support a healthy heart*
  • Enhance immune response and support immune system*
  • Create abundant energy*
  • Fight against free radicals*
  • Promote good vision*
  • Support a normal, healthy intestinal tract*
  • Maintain healthy skin, eyes, teeth, gums and hair
It takes about...  
  • 2 oranges to equal the amount of Vitamin C
  • 9 avocados to equal the amount of Vitamin E
  • 3 stalks of broccoli to equal the amount of Iron
  • 55 eggs to equal the amount of Vitamin D
  • 1 cup of spinach to equal the amount of Vitamin A
  • 3 cups of peas to equal the amount of Thiamin
  • 19 medium bananas to equal the amount of Riboflavin
  • 62 oz of cheddar cheese to equal the amount of Vitamin B-12
  • 5 large potatoes to equal the amount of Niacin
  • 61 cups of tomatoes to equal the amount of Folate
  • 2 large watermelons to equal the amount of Vitamin B-6
  • 17 oz of cherries to equal the ORAC Value
  • 37 medium mushrooms to equal the amount of Pantothenic Acid
...to provide the vitamins, minerals and antioxidant power of a 2-oz serving of Vemma.
 Read More .....
May 14th

How to make HEALTH work for you in 2013!

By Jennifer Ettinger
Jennifer Ettinger with weights
  1. Pick a goal that is simple and attainable. Work up to creating it as a habit. (It takes 21 days to form a habit)
  2. Choose an overall realistic goal to work towards. Can this be achieved in a year's time? Make a vision board and post your goal and intentions!
  3. Journal your food and daily exercise. This will serve as a blueprint to your success!
  4. Social Media: Weight Watchers, Hungry Girl, Vitamix all offer great recipes. Join mywww.fityourstylecoach.com for a FREE membership that will allow you to log in your workouts.
  5. Too busy to exercise, too cold outside? For FREE workout plans go to the TV page to get started!
Apr 16th

Significant Changes Can Be Expected For Many Americans In Terms Of The "Essential Health Benefits" Plans

By Jeanine Kinzie
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The Essential Health Benefits Package 
Significant changes can be expected for many Americans in terms of the "Essential Health Benefits" plans.

Significant changes can be expected for many Americans in terms of the "Essential Health Benefits" plans that will be offered when states begin implementing the public health care exchanges mandated by the Patient Protection and Affordable Care Act (PPACA) in less than one year. 

These changes are in addition to the benefit plan adjustments that already went into effect for new and existing insurance policies over the past year. Changes that already have been made include limits on pre-existing conditions, raising the cap on lifetime limits for essential benefits, limitations on when coverage can be rescinded, the age extension on coverage eligibility for children up to age 26 and coverage for preventive care - among other reforms. 

As agents, we are vigilant and track the impending mandates that will take effect. The good news is that there will be opportunities to standardize health care benefit offerings, but the bad news is that the PPACA-mandated changes will increase premium costs exponentially for many and disrupt existing insurance markets. 

Effective January 1, 2014, a health benefit plan offered through a state exchange will have to provide an Essential Health Benefits Package with limited cost sharing. (Section 1302 of PPACA):

(A) Ambulatory patient services.

(B) Emergency services.

(C) Hospitalization.

(D) Maternity and newborn care.

(E) Mental health and substance use disorder services, including behavioral health treatment.

(F) Prescription drugs.

(G) Rehabilitative and habilitative services and devices.

(H) Laboratory services.

(I) Preventive and Wellness services and Chronic Disease Management.

(J) Pediatric services, including oral and vision care.

The cost-sharing under a health plan may not exceed the cost-sharing for high deductible health plans in 2014 (currently $5,950 individual/$11,900 family). In following years, the limitation on cost-sharing is indexed to the rate or average premium growth.

Deductibles for plans in the small group market are limited to $2,000 individual/$4,000 family, indexed to average premium growth. This amount may be increased by the maximum amount of reimbursement available to an employee under a flexible spending arrangement.

Levels of Coverage - PPACA defines specific levels of coverage to be offered by the state exchanges. A plan shall provide a level of coverage that is designed to provide benefits that are actuarially equivalent to a stated percent of the full actuarial value of the benefits provided under the benefit plan. They are:
  • BRONZE LEVEL- 60 percent
  • SILVER LEVEL- 70 percent
  • GOLD LEVEL- 80 percent
  • PLATINUM LEVEL- 90 percent


While January 1, 2014 appears to be relatively distant, it is too soon to know if you can keep your current health insurance plan. As citizens, we were promised, "If you like your plan, you can keep it." by President Obama during his campaign to pass the PPACA bill. Now it is unclear if that will be true. Perhaps, if the President's quote was "If you like your plan, too bad.", this bill would have never passed. The government fears adverse selection where healthy people quickly gravitate towards affordable medically underwritten plans in 2014 and stay on that plan post 2014. So, the peace of mind I'd like to offer, that you can stay on your current plan, won't be available until later this year. The answer may be quietly published amoungst the thousands of pages of regulations being rolled out monthly.

Creative solutions are emerging to keep benefits affordable. Tell your uninsured friends and family to contact me for personal recommendations. Once medical underwriting goes away, rates will forever be higher. Grandfathered group plans are still available. As agents, we are committed to you, our valued clients, to offer solutions. If you have any questions, please contact me and I will be happy to assist you. Thank you for taking the time to read through this important notification.

Contact Jeanine!
Apr 16th

6 Reasons You Don't Need Life Insurance

By Jeanine Kinzie
1.
life insurance - Super Hero
You are never going to die.
2.
life insurance - inherit
You are going to inherit a fortune.

3.
life insurance - Lottery
You're going to win the lottery.
4.
life insurance
Your children are going to support you.

5.
life insurance - Never Retire
You are never going to retire.
6.
life insurance - Uncle Sam
The government will take care of you.

If this isn't you, give us a call. We would like to discuss your family's future with you and the many options available to you that you may not even be aware of.

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