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Interested in Insurance CE Webinars?

I’m proud to announce that my client, A.D. Banker & Companyis offering a full line-up of CE Webinar courses beginning May 15, 2013.  These are attendance based sessions with NO final exams.  Courses are led by insurance professionals with years of industry experience and can be attended from anywhere the internet is available.  CE Webinars are currently approved in the following states:  AK, CA, CO, CT, DE, FL, IA, ID, IL, IN, KS, MO, MS, NC, NE, NY, NC, OH, OR, PA, RI, TN, TX, UT, VA.

I developed and wrote several of the webinars and will be presenting two of the them:  Health Insurance and the PPACA and Cyber Liability.  I’m scheduled to present Health Insurance and the PPACA on May 15, June 12, July 11, August 8, September 10, October 22, November 19, and December 17.  I’m scheduled to present Cyber Liability on May 30, June 28, August 27, October 10, and November 13.

For a list of topics, click here; from that page, click on Continuing Education at the top of the page for dates, times, and pricing.

Why the Government’s Health Program (PCIP) is Running Out of Money

An article in today’s LifeHealthPro prompted my blog post today.  It’s about the Pre-existing Condition Insurance Plan (PCIP) that was established by the Affordable Care Act to guarantee health insurance for the unfortunate individuals who had health conditions so serious insurers wouldn’t write insurance on them.

Well, folks, the federally-run PCIP is running out of money to pay for the claims of all the sick people who purchased coverage through the plan.  Why is that? you may wonder.  Well, the government paid more in claims that it expected to pay.  Here’s my question:  Why did the government think insurance companies didn’t want to write coverage for those people?  And here’s my answer:  Because people with health issues have more claims than people without health issues do.

I’m not saying unhealthy people shouldn’t be able to have coverage.  However, since the very nature of insurance–and state insurance regulations–REQUIRES premiums to be adequate enough to pull in enough funds to pay claims, there’s only one things premiums can do when the costs of claims rise.  Yep, you guessed it.  So when the PCIP provided “affordable” insurance, it wasn’t charging enough premiums to pay the claims.  Which is really BAD news for the folks enrolled in the plan.  Which those of us who understand the nature of insurance expected to happen.  [P.S.   The PCIP stopped accepting new enrollees some time ago because the government saw the handwriting on the wall.]

I’m a nonsmoker in my late 50s who has no health issues:  my blood pressure is 120/80, my cholesterol is below 200, and I don’t take regular medication.  I don’t have diabetes or any other condition.  And I pay, personally, out of my own pocket (because I’m self-employed), $563 a month for health insurance.  I understand precisely what consumers are faced with concerning the costs of healthcare.

I’m also one of the few people who has a copy of the text of the Affordable Care Act on her computer, and who has read a good portion of that text.  (I admit it:  I haven’t read the whole thing.)  There are all kinds of provisions most consumers don’t know about.  And I’ll bet a lot of politicians don’t know about them, either.

If you’re interested in reading a brief, consumer-friendly timeline of what will be happening under the Affordable Care Act, you can visit Healtcare.gov at What’s Changing and When. Although many people know more about the Affordable Care Act than I do, I’ve  researched it extensively, written a couple of insurance courses on it, and presented a number of webinars on the topic.  I welcome your questions.

Book Review: COME HOME by Lisa Scottoline

I enjoy all of Lisa Scottline’s books but Come Home is by far one of the most emotionally wringing novels I’ve read in years.

After divorcing, pediatrician Jill Farrow has finally gotten her life back on track.  Her 13-year-old daughter Megan is happy and Jill is engaged to marry a wonderful man.  But when her former stepdaughter suddenly appears one night with the news that Jill’s ex-husband was murdered, Jill’s world is turned upside down.  Abby insists her father was murdered and enlists Jill’s help to find the killer.

Come Home combines the nail-biting tension of an expert thriller with the unbreakable ties of family.  As Jill’s obligations to her fiance, the daughter she loves, and the daughter of her heart pull her in different directions, she battles to do what is right and bring her family home.  If you’ve ever struggled with family ties and loyalty, this novel taps into all those turbulent emotions … and love.

Come Home by Lisa Scottoline

Released 04/10/2013 by St. Martin’s Press

ISBN (hardcover) 978-0312380823

ISBN (ebook) 978-1429942324

P.S.  If you click the link above to Come Home, you’ll be taken to Lisa’s website where you can read the first chapter.

Book Review: DON’T GO by Lisa Scottoline

I love emotionally-charged stories and characters who grow and evolve throughout them.  Don’t Go is a powerful story and as emotionally charged as any story I’ve read in a long time.

While Dr. Mike Scanlon is serving in Afghanistan, his wife Chloe falls victim to a fatal household accident.  Devastated, he returns home only to discover he’s a stranger to his baby girl, and the circumstances surrounding his wife’s death are not as simple as they seem.  Now, he must fight to discover the truth and to reclaim his life–and his daughter.

This novel touches on all a parents’ fears, and all the things that go through your mind when you’re dealing with a tragedy you’re woefully under-equipped to handle.  Scottoline taps into all our fears and the guilty thoughts and recriminations that keep us up at night–not to mention our tendency to avoid when life is simply too awful to bear.

Don’t Go is a must-read.

Don’t Go by Lisa Scottoline

ISBN (hardcover) 978-1-250-010070

ISBN (ebook) 978-1-250-025999

Release date April 9, 2013

Publisher:  St. Martin’s Press

 

Book Review: THE PERFECT GHOST by Linda Barnes

I’ve loved everything I’ve read by Linda Barnes, including the books in the Carlotta Carlyle series, but she’s outdone herself with The Perfect Ghost.   I was truly awed by Barnes’  ability to build the character of Em Moore layer by exquisite layer in this tale of an agoraphobic biographer who is compelled to push her personal boundaries after the death of her writing partner.

The shy and insecure Em is forced to leave her structured world to visit Cape Cod to tackle alone the project she and her partner had begun before his death:  interviewing the dashing filmmaker and director Garrett Malcolm.  Normally the silent half of the writing partnership, Em becomes privy to family secrets and longstanding feuds, as well as the odd comings and goings of a washed-up movie star.

Everything about this novel is spectacular:  the characters, the storyline, and and the unique narrative of Em Moore.  You definitely need to add this book to your reading list.

The Perfect Ghost by Linda Barnes

Published by Minotaur Books

hardcover ISBN 978-1-250-023636

e-book ISBN 978-1-250-02364-3