Ritter Insurance Marketing, Craig Ritter

Current Health Care Bill is Like “Loading More People on the Titanic”?

Here is another article on why having a very weak mandate for Health Insurance while at the same time making Health Insurance “Guaranteed Issue” with no pre-existing conditions could result in a Train Wreck for the current system.  People can “sleep well at night” while being uninsured with the knowledge that the insurance is a…

9 Nov 09
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The Three Legged Stool of Health Care

Thanks to Sandra for the article.  Here is a link to the article.  Talks about the 3 legs of the health care “stool”:  Access, Goods and Cost.  Access would involve the number of people in the system.  Goods would be the quality of health care services which the system can deliver.  Cost is pretty…

9 Nov 09
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From the Washington Post, Could Health Care Reform Result in More Uninsured?

Interesting anaylsis from Martin Feldstein at the Washington Post.  Here is the story. Generally speaking, unless there is an incentive for a relatively healthy person  to purchase Health Insurance (or disincentive to be uninsured), there will be significant “selection of risk” issues with the Private Insurance companies which would result in higher premium rates…

8 Nov 09
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US House of Representatives Passes HR 3962 by a Vote of 220 to 215

Next step in the process is to see what happens in the Senate.  The Stupak Amendment, which does not allow Federal Funds to be used to pay for abortions, also passed prior to the Final Vote on HR 3962.  The Stupak Amendment seemed to satisfy enough Blue Dogs to allow for passage.  There was one Republican vote in favor and…

8 Nov 09
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AARP Endorses House Health Care Reform Bill

Here is the Press Release from AARP.  Some question whether or not AARP’s licensing fees from Medigap insurance had any influence over it’s decision to endorse the bill.  AARP has approximately 29% of the Medigap Market in terms of # of insureds.  More here.

7 Nov 09
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House Begins Debate on Health Care Reform Bill – November 7th, 2009

The debate began at 2pm today.  You can watch it live on C-Span.  The fact that the Democratic Leaders brought this up for debate indicates that they have the votes to pass it.  The debate is scheduled to last for 4 hours.  You can also follow the conversation on Twitter!

7 Nov 09
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CMS Holds Open Door Forum on Medicare Enrollment Assistance Demonstration Project; Project would Create a Third Party Contractor to Conduct Medicare Advantage plan Enrollment and Disenrollment Functions

Agents in the Senior Market, MUST PAY ATTENTION TO THIS!!  PLEASE PASS THIS ALONG to your fellow agents IMMEDIATELY!!  We must get the word out to all Insurance Agents in the Senior Market about this subject.  This could affect Medicare Supplement, Medicare Advantage and Medicare Part D marketing and enrollment.  Obviously, this could be expanded to more insurance…

7 Nov 09
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National Underwriter Comments on H.R. 3962

Thanks to Kenneth for this link.  This is a good overview of what H.R. 3962 would do, as respects insurance agents. Here is the link to the blog posting.

2 Nov 09
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Medicare to Cut Payments to Doctors who use Expensive Imaging Equipment

Here is the article from the WSJ.com.  The rules will cut payments to doctors who use disease screening equipment (like MRI’s and CT Scans) by 38%. Also, here is another article from Bloomberg on the cuts to Physicians and Specialists.  The cuts will be effective in 60 days unless this is changed Legislatively…

2 Nov 09
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AHIP Runs Ads on Cuts to Medicare Advantage

www.MedicareChoices.org is the website for the Coalition for Medicare Choices which is a project of AHIP.  Here are a few of the ads they are running on Medicare Advantage:  

1 Nov 09
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