PROPERTIES INSURANCE

Medical or Funeral Insurance? More Zimbabweans Choose to Secure Death Over Health

June 13, 2018 0

Medical or Funeral Insurance? More Zimbabweans Choose to Secure Death Over Health

MUTARE, ZIMBABWE — Cellphone minutes are in constant demand, so Susan Musungambira, who sells cards that replenish those minutes, has ...

Health Insurance Coverage for Pre-Existing Medical Conditions Is on the Line

June 13, 2018 0

Health Insurance Coverage for Pre-Existing Medical Conditions Is on the Line

People with pre-existing medical conditions could lose their individual health insurance coverage if a judge rules in favor of the 20 s...

The cost of your health insurance may hold steady next year. Thank the tight labor market

June 13, 2018 0

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The tight job market has employers large and small rethinking their health benefits for 2019.</div>
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According to researchers at PwC, the big goal next year is to try to insulate workers from rising health costs.</div>
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For Atlantic Health System in New Jersey, that means a bold plan to join with five other New Jersey hospitals on a health insurance venture, which will leverage the size of their combined 50,000-person workforce to get better deals from insurers and pharmacy benefit plans.</div>
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"How do you drive out unnecessary utilization, while maintaining very high quality?" explained Brian Gragnolati, Atlantic's CEO. "We've got a lot of experiences with that so what we're trying to do here is take those best practices and apply them to our own workforce."</div>
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Gragnalti believes the combined plan could help Atlantic cut health benefit costs by 10 percent — that's cash they can put toward retaining workers in a competitive market.</div>
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"If you're spending more money on benefits, it's less money that you can spend on wages. The opportunity for savings here allows us to put more in our employees' pockets," he said.</div>
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Researchers at PwC's Health Research Institute are projecting that large employers will see health costs increase 6 percent in 2019, according to their latest medical cost trend report.</div>
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The growth rate has hovered between 5.5 to 7 percent for the last five years. But for 2019, large employers surveyed for the report are rethinking some of the benefit designs they've used to keep expenses in check over the last few years.<br />
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"When we asked 'what are you doing in terms of strategy'… last year, a lot of them were going to go full replacement, high-deductible plan. This year they really backed off," from plans to do that, said Barbara Gniewek, a principal with PwC who focuses on employer health benefits consulting.</div>
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Employers continue to be focused on bringing overall costs down by designing medical plans with tighter provider networks, and drug plans with restrictive brand name formularies. But most large employers are trying to avoid raising deductibles and shifting more costs to employees, and planning to absorb the higher costs.</div>
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"We really think that's because they're worried about the labor market being so tight," Gniewek said, adding, "so they're kind of staying exactly where they are … not shifting costs to employees."</div>
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They are also investing more in services and digital tools to help employees optimize their benefits. Researchers found employers with a workforce under 35 place a higher priority on hiring health-care vendors focused on a better consumer experience.</div>
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Like <a class="inline_quotes" data-gdsid="9399" data-inline-quote-symbol="AMZN" href="https://www.cnbc.com/quotes/?symbol=AMZN" style="color: #2077b6; font-family: "Gotham Narrow SSm 5r"; outline: none; text-decoration-line: none; user-select: text;">Amazon</a>, <a class="inline_quotes" data-gdsid="11916" data-inline-quote-symbol="BRK.A" href="https://www.cnbc.com/quotes/?symbol=BRK.A" style="color: #2077b6; font-family: "Gotham Narrow SSm 5r"; outline: none; text-decoration-line: none; user-select: text;">Berkshire Hathaway</a> and <a class="inline_quotes" data-gdsid="22333" data-inline-quote-symbol="JPM" href="https://www.cnbc.com/quotes/?symbol=JPM" style="color: #2077b6; font-family: "Gotham Narrow SSm 5r"; outline: none; text-decoration-line: none; user-select: text;">J.P. Morgan</a>, Atlantic and its partners in New Jersey are hoping to leverage data and digital tools to help make health benefits easier to navigate for their workers.</div>
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"This gives us an opportunity to really prove to ourselves and prove to our local employer markets that we can develop something that's different," said Gragnolati.</div>
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While it's not clear when the Amazon-led initiative will get off the ground, the hospital alliance expects to finalize its plan this month and expects to roll out the health plan for 2019 open enrollment in the fall.</div>
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The cost of your health insurance may hold steady next year. Thank the tight labor market

The tight job market has employers large and small rethinking their health benefits for 2019. According to researchers at ...

Thousands of UK motorway drivers face higher car insurance costs for doing THIS

June 13, 2018 0

<img alt="Motorway UK" height="237" src="https://cdn.images.express.co.uk/img/dynamic/24/590x/Motorway-UK-car-insurance-973558.jpg?r=1528884487128" width="400" /><br />
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UK motorists using the motorway could face paying higher car insurance costs, according to new analysis.</div>
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Drivers who get a conviction for speeding could add as much as an extra £101 to the annual cost of car insurance, revealed Consumer Intelligence.</div>
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The analysis of around 36,000 insurance quotes over the past year to April found the average cost a speeding offence has on your premium. </div>
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In addition to the minimum £100 fine and three penalty points for speeding will add on average £50 onto your annual premium.</div>
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It found that drivers without any speeding convictions pay an average £693 a year but that jumps to £743 a year with any speeding conviction.</div>
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The biggest impact on bills, however, comes from being caught speeding on a motorway – the so-called SP50 offence, which adds £101 a year to bills taking them to £794 a year.</div>
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SP30 offences for speeding on a public road adds an average £36 a year to insurance taking it to £729.</div>
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Older drivers over the age of 50 face a higher punishment for a speeding conviction.</div>
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They could see their annual bill rise by £58 for any speeding convictions but will pay an extra £166 a year for a motorway speeding offence.</div>
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<span style="border: 0px; margin: 0px; padding: 0px; transform: none;">Speeding fines in the UK can cost drivers to £2,500 depending on the severity of the </span>offence<span style="border: 0px; margin: 0px; padding: 0px; transform: none;">.</span></div>
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Almost two million fixed penalty notices were issued in 2016, a 32 per cent increase from 2011.</div>
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Speeding endorsements remain on driving licences for four years from the date of the offence and insurers ask drivers to declare any motoring convictions within the past five years.</div>
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John Blevins, Consumer Intelligence pricing expert said: “Our analysis shows that the cost of speeding is not just the fine but the higher insurance bill.</div>
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<img alt="Speed camera" src="https://cdn.images.express.co.uk/img/dynamic/24/590x/secondary/speed-camera-1379160.jpg?r=1528884487268" style="border: 0px; box-shadow: rgb(0, 0, 0) 0px 0px 0px; height: auto; margin: 0px; padding: 0px; transform: none; vertical-align: middle; width: 590px;" title="Speed camera" /><span class="photo-caption defaultLeft" style="background: url("about:blank") 0px 0px repeat scroll; border: 0px; bottom: 0px; color: white; font-size: 9px; font-stretch: normal; left: 0px; line-height: 13px; margin: 0px; padding: 3px 6px 2px; position: absolute; right: 0px; transform: none; z-index: 2;">GETTY</span></div>
<span class="newsCaption" style="border-bottom-color: rgb(221 , 221 , 221); border-bottom-style: solid; border-width: 0px 0px 1px; color: #959595; display: block; font-size: 12px; margin: 0px; padding: 4px 0px 7px; transform: none;">Almost two million drivers were caught speeding in 2016</span></div>
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“At more than £100 a year for being caught exceeding the limit on a motorway or £50 on a public road, it is substantial considering insurers ask about any convictions in the past five years.</div>
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“Insurers understandably take the view that drivers who break the speed limit are potentially a greater risk and as a consequence put up the cost of motor insurance.</div>
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"Premiums may be heading down again after years of increases but drivers who break the law will not benefit from any price reductions.”</div>
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Reckless driver caught speeding at 155mph on M3</h3>
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<div class="text-description" style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 15px; padding: 0px; transform: none;">
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">Below shows the average premiums and cost of speeding:</span></div>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">TYPE OF DRIVER: All drivers</span></div>
<ul style="border: 0px; margin: 1em 0px 1em 20px; padding: 0px 0px 1em; transform: none;">
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH NO CONVICTIONS:£693</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH ANY SPEEDING CONVICTIONS: £743</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP30 CONVICTIONS: £729</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP50 CONVICTIONS: £794</li>
</ul>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">TYPE OF DRIVER: Under-50s</span></div>
<ul style="border: 0px; margin: 1em 0px 1em 20px; padding: 0px 0px 1em; transform: none;">
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH NO CONVICTIONS: £795</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH ANY SPEEDING CONVICTIONS:£840</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP30 CONVICTIONS:£836</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP50 CONVICTIONS: £865</li>
</ul>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">TYPE OF DRIVER: Over 50s</span></div>
<ul style="border: 0px; margin: 1em 0px 1em 20px; padding: 0px 0px 1em; transform: none;">
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH NO CONVICTIONS:£469</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH ANY SPEEDING CONVICTIONS:£527</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP30 CONVICTIONS:£483</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP50 CONVICTIONS: £635</li>
</ul>
</div>
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Thousands of UK motorway drivers face higher car insurance costs for doing THIS

UK motorists using the motorway could face paying higher car insurance costs, according to new analysis. Drivers who get a convict...

El-Sayed: To cut auto insurance rates, end 'exploitation'

June 13, 2018 0

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<img alt="Abdul El-Sayed" height="400" src="https://www.gannett-cdn.com/-mm-/7f74f9463b5198647952ec05d69b5b13e4a3412b/c=0-36-2766-3724&r=537&c=0-0-534-712/local/-/media/2018/02/21/DetroitNews/B99631975Z.1_20180221182801_000_GNP1SLPI0.1-0.jpg" style="background-color: transparent;" width="300" /> </div>
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<em>Lansing</em> — Two weeks after Democrat Abdul El-Sayed launched his run for Michigan governor, his wife found out she was pregnant. Facing the prospect of his statewide campaign and her work schedule, they moved in with her parents to help raise the baby.</div>
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The couple got an unexpected bonus when they moved from Detroit to Shelby Township: Their auto insurance rates “dropped thousands of dollars,” said El-Sayed, 33. “And we don’t drive fancy cars. I drive a Ford Focus.”</div>
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Same drivers. Same cars. Different ZIP codes.</div>
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“That’s just wrong,” El-Sayed told The Detroit News, outlining his plan to reduce auto insurance rates by prohibiting insurers from using non-driving factors to determine rates, creating a “Truth in Insurance Commission” to oversee the industry, capping hospital charges and restricting attorney access to accident reports.</div>
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“The same driver shouldn’t pay different rates because they live in a different place, and that kind of red-lining by the insurance industry is exactly what’s wrong with the system,” he said. “It is a civil rights issue because the costs fall disproportionately on low-income folks and people of color.”</div>
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Insurers say they use several factors to mitigate risk and determine rates in Michigan, the only state in the nation that requires plans to include unlimited lifetime medical benefits under its no-fault auto law.  Michigan rates consistently rank among the highest in the nation, with Detroit often cited as one of the most expensive cities in the country.</div>
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El-Sayed opposes Detroit Mayor Mike Duggan’s push to allow motorists a choice to buy plans with reduced medical coverage, saying it could create a two-tiered system where poor people have worse insurance. But he has proposed an ambitious and expensive <a data-track-label="story pages|news|inline|intext|n/a" href="https://www.detroitnews.com/story/news/local/michigan/2018/06/06/el-sayed-universal-health-michigan/677394002/" style="color: #1990e5; text-decoration-line: none;">Medicare-for-all</a> program for Michigan that would alleviate the need for auto insurers to provide medical coverage.</div>
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The Duggan-backed plan failed in the House last fall, another setback in a decades-long battle that has featured intense lobbying by the auto insurance industry, hospitals and trial lawyers. A Detroit group is trying to revive the debate by <a data-track-label="story pages|news|inline|intext|n/a" href="https://www.detroitnews.com/story/news/local/michigan/2018/06/06/detroit-billboards-thank-high-auto-rates/673484002/" style="color: #1990e5; text-decoration-line: none;">running billboards</a>mocking lawmakers for inaction and promoting a revised “driver’s choice” proposal.</div>
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Current Michigan law requires insurers to consider factors such as age, driving record and average miles driven before factoring in geography. El-Sayed’s plan, like Democratic legislation introduced in the state House, would prohibit territorial rate setting and ban the use of credit scores and other socioeconomic factors for rate setting.</div>
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The former Detroit health director also wants to cap medical provider reimbursement rates for auto accident victims at 130 percent of Medicare, establish a fraud authority to monitor insurers and create an Auto  Victim’s Privacy Protection Plan that would restrict attorney access to accident reports, victim’s personal information and direct mail solicitations.</div>
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“We’ve got to stand up to make sure we’re protecting Michiganders from exploitation by ambulance chasers and exploitation by the hospital industry that’s charging auto insurance substantially more than it’s charging health insurance for the same services,” El-Sayed said.</div>
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His auto insurance reform proposal is the most comprehensive call for action of its kind so far in the Democratic gubernatorial primary, but he is not the only candidate talking about the issue.</div>
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Former Senate Minority Leader Gretchen Whitmer, endorsed by Duggan, has said insurers should not be able to use zip codes or credit scores to determine rates and wants transparency in the Michigan Catastrophic Claims Association. Ann Arbor entrepreneur Shri Thanedar also wants to ban the use of non-driving factors in rate setting.</div>
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El-Sayed’s plan proposes formation of a Truth in Insurance Commission that would review rate changes in coordination with the Michigan Department of Insurance and Financial Services, communicate rate changes to the public, hold public hearings and oversee a statewide study of auto rates and assessments.</div>
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He also wants to require insurers release data on premiums and payouts and is proposing to open up the Michigan Catastrophic Claims Association to the Freedom of Information Act. The MCCA assesses an annual fee, set to rise from $170 to $192 per vehicle on July 1, to reimburse insurers for no-fault claims that cost more than $555,000.</div>
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Most of El-Sayed’s auto insurance plans would require approval by the Legislature, which has debated reforms for decades but failed to find consensus on any single plan.</div>
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El-Sayed, who has never held elected office, said he would use leverage afforded by the governor’s office to push for change. The progressive Democrat thinks he is in a unique position to be a “fair arbiter” because he has not received contributions from the insurance industry, hospitals or trial lawyer groups.</div>
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“All three of these industries want to keep their choke hold on what is a cash cow for them,” he said. “It’s going to take all three of them being willing to put the people of Michigan first, and therefore all of their political clients – their politicians who have taken their money – to be able to put the people they serve first.”</div>
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El-Sayed: To cut auto insurance rates, end 'exploitation'

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