Pompa Seminars Blog


Chiropractors Will the New Insurance Exchange Improve Insurance Markets in your state?

Posted in News and Updates by pompaseminars on August 26, 2010

August 19, 2010

Chiropractors Will the New Insurance Exchange Improve Insurance Markets in your state?

by Gene G. Veno – www.GeneVeno.com

Gene G. Veno is President of a health care lobbying firm advocating for health care associations to insure that legislative and insurance regulations are compliant with their state license. Veno remarked, “a health care provider should be able to practice to the full extent of their license”.

Recently, the term “insurance exchange” has worked its way into the mainstream of health care reform discussions as the federal government ponders and crafts new aspects of the health care reform law. If you have not yet heard of “Insurance Exchanges” you will soon. The National Association of Insurance Commissioners will unveil a draft model of the Insurance Exchange in October at the fall conference. The new model of health care delivery is already in full swing as maturations of exchange models are considered.

The exchange will allow agents and brokers to submit insurance applications in a single step, real time process. Agents will be able to see the availability, price and coverage differences in insurance products from a variety of insurance carriers. Currently, brokers have to interact with separate carriers in different systems, creating a very inefficient and time-consuming process.

The ability to see insurance product availability, coverage and pricing differences will allow the broker to place the coverage in a manner that bests suits the customer. The customer, subscriber will be able to view a wide range of plans and products.

New markets will open to numerous participants, both at the broker and customer levels. Carriers will benefit by being exposed to more customers, while brokers and their customers will benefit by being exposed to more carriers and products. Increased competition may lead to a fall in prices. Some will state, a “death spiral” as competition finds ways to meet lower and lower pricing of their health care products.

Carriers will more easily differentiate their products by offering innovations, tailoring to customers’ needs or offering better pricing.

In today’s financial climate, there is a widespread call for greater transparency within markets. This exchange will provide a real-time, comprehensive market place where transactions will be much more transparent. Brokers and other observers will be able to track trends in the marketplace as they happen, timely knowledge of new products, changes in terms and conditions, and movements in pricing.

The Pilot project program for mid and large market commercial lines are scheduled to begin in the fall of 2010, with full production set for early 2011.

The exchange will initially focus on commercial lines, but it is expected to eventually cover all sizes and lines of property-casualty risks.

It is planned that insurance exchanges will free up brokers to spend more time with subscribers in assisting them obtain health care coverage that they need to provide for their families and themselves. Will the exchanges eliminate redundancy? That is the plan of establishing this new concept which is not entirely new, circa 1978 New York Exchange. (The original exchange was created by statute in 1978, and it was an attempt to emulate Lloyd’s of London and capture some of the business that was being placed overseas and offshore. The concept was to create a market place in New York, the financial services capital of the U,S., for reinsurance and more complex risks that were, for a number of reasons, being placed outside of the U.S. During the same period, Illinois and Florida also opened their own insurance exchanges. For a number of reasons, none of these operations were successful.

The New York statute that created the original exchange remains on the books and allows underwriting syndicates to write several types if business. The legislation is broad enough to permit the creation of a new Exchange but may need revision or new regulations to meet the needs of today’s markets and to avoid the challenges that the first exchange faced.

Sub groups are now forming to consider specific areas:

• Regulatory oversight

• Operations and technology

• Markets

• Government Relations

It is likely that there will be numerous benefits that arise from this new insurance exchange, primarily in terms of providing more efficient and transparent markets to the insurance industry. It will be interesting as we move forward to monitor the extent to which these benefits are realized and if lessons can be learned for instituting insurance exchanges, such as for health insurance in the future.

How will your provider groups be considered in the Health Care Exchange Model? This question is one that many national and state associations will be sure to monitor and attempt to influence in the months ahead as state insurance department officials develop the final Insurance Exchange Model that will be incorporated into their departments come 2011. The Insurance Exchanges are expected to be up and running by 2011!

What can your state or national association do to insure your providers are included in the health exchange models now being developed:

1. Meet with State Department of Insurance Regulators to seek current information and offer input and recommendations on how your providers can best deliver quality, affordable health care.

2. Be realistic to the benefits that are being offered.

3. Interface now with brokers and agents that will be providing the many services to customers/subscribers.

4. Meet with insurance industry leaders to access their understanding of how their insurance companies will be included in the Insurance Exchanges.

There still is time to have your voice heard – but by all means get involved with the process before it becomes the new model of health care delivery in the United States.

For More Information Please Contact

2327 Forest Hills Drive, Harrisburg, PA 17112

Direct Line 202.422.5092 – 202.403.3806 Fax

Email – ggvenoassoc@gmail.com

www.GeneVeno.com

Best Chiropractic Marketing and Free Chiropractic Marketing Video

Posted in News and Updates by pompaseminars on August 5, 2010

http://pompaseminars.com The best chiropractic marketing, free chiropractic marketing ideas, chiropractic online marketing and a waiting list practice are only one seminar away chiropractic marketing techniques. Warren Phillips provides free ideas and chiropractic marketing tools that will absolutely grow your practice.

2 Reasons Toxins Cause Weight Gain

“Importance of Detox for Weight Loss”

By: Dr. Dan Pompa

A recent (March 2008) peer reviewed study published in the Journal of American Neurotoxicology and Teratology states that only small to moderate amounts of pesticides in rats cause excessive weight gain by damaging brain structures like the hypothalamus and the pituitary (Lassiter, 2008). Why are toxins causing weight gain? There are 2 solid reasons:

1)    When toxins enter your body they have an affinity for fat cells, due to the fact that they are fat soluble. When the toxins attach to the outer cell membrane, which is made of a lipid bi-layer (two layers of fat), it causes the cells to continually release Leptin. When Leptin is elevated too often, just like Insulin in Type II Diabetes, the receptors burn out and the message is not heard. Remember, Leptin is the hormone that tells the brain to burn fat for energy. Therefore, weight gain that does not respond to exercise or diet is inevitably due to Leptin resistance.

2)    The toxins also cause the release of chemicals called cytokines that damage Leptin receptors in the brain (hypothalamus). Once the receptors to Leptin have been damaged, Weight Loss Resistance is only the first of many problems (Pompa, 2007).

Your body makes an extremely important hormone called MSH (Melanocyte Stimulating Hormone). MSH is produced in the hypothalamus by Leptin, and it controls nerve, hormone, cytokine functions, skin and mucus membrane defenses, and the production of endorphins and melatonin. If your brain cannot hear Leptin, and is therefore “Leptin Resistant,” you will eventually become MSH deficient (Shoemaker, 2005).

What does this mean? It means that every immune and hormone response in your body will be altered. Practically speaking, you feel horrible and cannot figure out why. You find yourself on medications and chasing symptoms on a never-ending downward spiral.

The key to 21st Century Health Care is understanding how toxins affect this hormonal cascade, causing inflammation, which leads to so many different diseases like depression, diabetes, cancer, heart disease, chronic fatigue and fibromyalgia … just to name a few. The science of Weight Loss Resistance will bring us out of the dark ages of extreme dieting and exercise, not only for those who cannot lose weight, but also for those who are challenged with chronic illness.

Detox Myths and Truths

A common marketing myth on the internet, magazines and TV is Colon Cleansing. Colon cleansing products are designed to stimulate the colon and eliminate colon build-up/waste which may result in temporary weight loss and reduction in colon toxins. However, this does not translate into true fat reduction and a true decrease in your total toxic burden.   True detoxification and fat burning (the hormone leptin) occur only by using products that detoxify your body at the cellular level.  Read on about a a cleanse (cleansing) detox diet you can also add to your health program.

Detox Tips and Tricks

Increase your quality of dietary fats “good fats” and eliminate “man-made fats” such as hydrogenated and partially hydrogenated fats “trans fats”.

More fat…How can this help?

1) Increasing good or natural fats bind circulating toxins.

2) Bad man-made fats prevent cells from eliminating toxins; Good fats allow cells to eliminate toxins!

3) Increasing good fats cause the liver to release stored toxins.

By the way, increasing good fats assist with reversing weight loss resistance and fat burning –  the opposite of what you are told!

From the Desk of Dr. Dan Pompa (Latest Research)

Recent research crossing my desk this month continues to link the consumption of high fructose corn syrup (HFCS) to weight gain, fat storage, obesity and appetite control.

The two (2) main conclusions from this work are:

1) Leptin. Consuming even small amounts of HFCS impairs the body’s ability to recognize leptin, a hormone that controls appetite.

2) Toxins. Levels of metabolic waste products spike when HFCS is consumed. This can disrupt the body’s ability to control blood sugar, raising the risk factor of fat storage and weight gain.  Again, using a detox cleansing diet plan along with true cellular detoxification products can remove the toxins and rebuild the cell membrane.

Source:  Consumption of high-fructose corn syrup in beverages may play a role in the epidemic of obesityhttp://www.ajcn.org/cgi/content/abstract/79/4/537

Detox Questions and Answers

Dr. Pompa I know that increasing good fats helps protect and eliminate toxins. However, I’m concerned with gaining weight? (Ann C.)

Remember consuming good fats does not make you fat, it is the inability to burn it (read about the fat hormone leptin above). Your body needs fat to burn fat. Fats are also critical for hormone production, which is a real health concern for most women. I believe good fat to be the # 1 missing nutrients in the Standard American Diet (SAD).  Bonus! High fat diets are a natural detox diet that can be added to any true cellular detoxification program.  Please check out what I believe to be the best detox diet the cellular healing diet.  Click here for a free eBoook.

Mission Statement:

There is a lot of talk today about the need for proper detoxification and it’s critical effect on health/quality of life. The purpose and mission of Dr. Dan Pompa is to work on your behalf to bring you the latest research, breaking news, and solutions surrounding toxicity and detoxification.

Sources:

Lassiter,T. L. and Brimijoina, S. 2008. Rats gain excess weight after developmental exposure to the organophosphorothionate pesticide, chlorpyrifos, Neurotoxicology and Teratology. Volume 30, Issue 2, March-April 2008, pp. 125-130

Pompa, Dan. (2007.) Why You Can’t Lose Weight. In David Riklan and Joe Cilea (Ed.), 101 Great Ways to Improve Your Health. (pp.95-98). Marlboro, NJ: Selfgrowth.com.

Shoemaker R.C. 2005. Mold Warriors: Fighting America’s Hidden Health Threat. Baltimore: Gateway Press.

Welcome!

Posted in News and Updates by pompaseminars on May 20, 2010

Welcome to Pompa Seminars – Health Centers of the Future Blog!