Our Upcoming Seminars   Our In-House Training Programs
 

March 11-12, 2010 - Our "Ensuring Small Group Profitability" seminar will be held in Las Vegas. This remarkable seminar was designed for group health actuaries and underwriters. It will show you how to bring your 1950s style underwriting requirements, pricing methodology, and rating factors up to the 21st century!

March 25-26, 2010 - Our "Experience Rating In Depth" seminar will be held in New Orleans. Here's your chance to learn virtually everything there is to know about experience rating! We'll show you how to make significant improvements to your experience rating formula and we'll also show you the many situations where adjustments to formula-generated rates are required.

Our "Controlling Health Plan Costs" seminar will be held in Las Vegas on April 22-23, 2010 and in Orlando on April 26-27, 2010. The focus of this seminar is SELF FUNDED plans. This outstanding seminar will show you how to sensibly reduce employer health plan costs and control them to the greatest extent possible. NOTE: The first module in this seminar deals with Health Care Reform. As of 2/26/10, it appears certain that IF the politicians can use the reconciliation approach and get enough votes to implement the Senate Bill (with some modifications), they certainly will. They have until sometime in April 2010 to accomplish this before this option expires. If they can't implement their "comprehensive" reform, they will pass some very limited version of health care reform (i.e., "Obama-lite"). If no legislation is enacted prior to April 22nd, the first module of this seminar will provide you with a detailed update of where Health Care Reform stands, the most likely provisions that you can expect to see, and the most effective strategies that employers can use to minimize "reform costs".

HEALTH CARE REFORM, AND WHY IT'S DESTINED TO FAIL MISERABLY UNLESS OUR POLITICIANS CHANGE THEIR APPROACH

S. M. Snow & Associates has been in favor of health insurance reform for over a decade, however, effective health insurance reform can only be accomplished if politicians listen to the advice of a diverse group of highly experienced health care and health insurance professionals (especially actuaries) and make sound decisions based on this advice.

After examining the House and Senate bills, we concluded that our politicians either received very little good advice from qualified people or they ignored virtually all the good advice they did receive. Our politicians have decided that they have the actuarial and underwriting background needed to effectively reform our health care/health insurance system! After watching their Health Care Summit, it's painfully obvious that they know virtually nothing about the dynamics of group health insurance (like "adverse selection" and "pooling" to name a few). Their ignorance will translate into a dramatic INCREASE in health plan costs if they pass any type of legislation!

Making matters worse, we estimate that the price tag for what the politicians refer to as "comprehensive health care reform" will be anywhere from $3 trillion to $4.5 trillion over a ten year period! A far cry from the $900 billion they refer to based on their highly devious "smoke and mirrors" projection that reflects 10 years of projected revenue but only 6 years of the associated reform costs. It also relies on totally unrealistic assumptions throughout.

Immediately after Health Care Reform legislation is passed (which we're fairly certain will happen soon), S. M. Snow & Associates will be modifying all of our seminars as appropriate to provide our attendees with effective strategies that they can implement to minimize the "extra costs" and adverse selection that will result from this unfortunate legislation.

 

We would like you to consider having us come out to your company to conduct one of our outstanding in-house training programs. We can train your underwriters and actuaries, your entire sales staff, or we can train everyone at the same time.

We can conduct any of the seminars described on this web site on an in-house basis. If you prefer, we can even customize a training program to meet your staff's specific training needs. The agenda for our most popular underwriting and pricing training program for insurers can be examined by clicking on the following link:

Our Most Popular In-House Training Program

Phone us at (508) 393-2663 if you'd like more information or if you'd like us to provide you with a quote. It will be the best investment that your company will ever make!
 
NEW! Manual Available For Purchase

Typically, approximately 30% of a company's employees have a working spouse that has access to a health plan where they work. Since these families have two health plans to choose from, fairness would dictate that half of these families should be in each health plan. Those employers who have significantly more than half of these families in their health plan are incurring an ENORMOUS "extra cost" each year, much to the delight of many other employers in the area! For example, the difference between a company having 65% of these families in their health plan and having 50% of them in their health plan amounts to approximately 10% of their total health plan costs! The difference between a company having 80% of these families in their health plan and having 40% of them in their health plan amounts to approximately 25% of their total health plan costs! This is an ENORMOUS cost problem for many employers, and one that can be effectively addressed!

Our "Sensibly Reducing Your Client's Health Plan Costs" manual is invaluable for anyone who advises employer groups regarding their health plan costs. It contains four highly effective approaches that an employer can use to get more of their employees to take their working spouse's health plan. This will enable your clients to dramatically reduce the "extra cost" (described above), eliminate it, or MORE than eliminate it! This manual will enable you to determine which of the four approaches would be the most effective cost reduction approach for each of your clients. It is 152 pages in length and is available at the price of $795. Click on the link to download a brochure.

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