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"   x 0e0e?Rectangle 3 ` 0 V   @`  A:??:5498_insurance_cartoon BEARSPicture 45498_insurance_cartoon BEARS7` 3'\m3fff___PPT10i.Жb+D=' = @B +" t   0 (    f ?6Slide Number Placeholder 5``  l* C   ,   x@ 0e0e?Rectangle 2P `   0 `Today s Topics  ,   x A 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!@Ddrs/downrev.xmlDN@FMx͐x'[K䧲C[6+w^N|9Egq&k  KˤJ 3m/>"Jg ͤEEđ3J^42M4Xs\UEimar;\q7J#@]6oGU2LjC)17bPK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!@Ddrs/downrev.xmlPK `$ 0NF___PPT9(  tThe role of the high-risk pool in today s market The Standard Health Questionnaire (SHQ) Information about WSHIP  the organization, benefit plans, and rates Why Agents are important! 6 o $$  @` 3'\m3fff  ___PPT10 .+cD* ' = @B D ' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*1%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*1Y%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*Y%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(+8+0+ +"& w  P(    f@B ?6Slide Number Placeholder 5``  l* C   n   x`C 0e0e?Rectangle 2P `   0 \Remember when the individual market collapsed& / /( /,   xD 0e0e?Rectangle 3 ` 0 `1999-2000  Most carriers stopped selling new individual products due to rapidly increasing claims losses Consumers scrambled to find coverage 2000  Health Insurance Access Act was significantly amended with hopes of bringing carriers back into the market Z$  @` 3'\m3fff___PPT10i.֖+D=' = @B +" y {pc(    fE ?6Slide Number Placeholder 5``  l* C   (   xF 0e0e?Rectangle 2P `   0 \Past Legislative changes     xG 0e0e?Rectangle 3 ` 0 2000: New legislation allowed enrollment in WSHIP for people living in a county where individual coverage is not offered 2000: Medical underwriting approved for individual market, using the Standard Health Questionnaire 2007: RCW 48.41 modified to allow WSHIP to offer more choices in products  HSA plan, limited benefit plans with lower rates\ Z\ \ @` 3'\m3fff___PPT10i.іp+D=' = @B +" z     (     f`I ?6Slide Number Placeholder 5``  l* C   @   xJ 0e0e?Rectangle 2P `   0 t$WSHIP s role today"     xK 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!լdrs/downrev.xmlDQO0M5Miˤ p]/`mi|Ǔs|٠[v"k(!5$Lfۛ fCmP,B/P@BWp4noS\:#\1I21Ǝ5UЍo_\i/ d]k+B#style.visibility<* %(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<* %(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<* /%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<* /[%(+8+0+  +" | $(  $ $ fM ?6Slide Number Placeholder 5``  l* C   D $  xN 0e0e?Rectangle 2P `   0 x4WSHIP s role today (cont.)  > $  x 0e0e?Rectangle 3 ` 0 rIndividual market enrollment growth, since implementation of the Standard Health Questionnaire for medical underwriting: 2000 = 120,647 to 2007 = 279,329 Percent increase since 2000 = 132% Efficiently and effectively covers high risk people4y ZJ Z4 Z  @` 3'\m3fff___PPT10i.˖Df+D=' = @B +" } ((  ( ( f ?6Slide Number Placeholder 5``  l* C   1 (  x 0e0e?Rectangle 2P `   0 e!2008 Individual market enrollment" " " (  x@c 0e0e?Rectangle 3 ` 0 5Total individual market applicants = 99,197 Number / percent accepted for coverage = 94,539 (95.3%) Number / percent rejected for coverage = 4658 (4.7%) Number / percent rejected enrolled in WSHIP = 843 (18.1%) Z  @` 3'\m3fff___PPT10i.|Q+D=' = @B +" d  w,_(  , , fBc ?6Slide Number Placeholder 5``  l* C    ,  xCc 0e0e?Rectangle 2P `   0 N Efficiency     ,  xDc 0e0e?Rectangle 3 ` 0 For 2008: Administrative ratio was low  6% Care management programs  $2.3 million savings on closed cases Provider network  $14.5 million savings Pharmacy savings  $7.7 million Medicare SPAP savings  $7.2 million"     @` 3'\m3fff___PPT10i.S@+D=' = @B +"g  f  VN06(  0 0 fFc ?6Slide Number Placeholder 5``  l* C    0  x Gc 0e0e?Rectangle 2P `   0 Q Effectiveness   0  x@Hc 0e0e?Rectangle 3 ` 0 Scores from the Standard Health Questionnaire help to identify WSHIP enrollees who can benefit from state-of-the-art care management programs One local care manager Case management improves timely and appropriate use of benefits and community resources Disease management educates & facilitates enrollee s self-management &B P PC C @` 3'\m3fff___PPT10i.{/+D=' = @B +"  g  04|(  4 4 fO ?6Slide Number Placeholder 5``  l* C   % 4  x 0e0e?Rectangle 2P `   0 YEffectiveness (cont.)   4  x 0e0e?Rectangle 3 ` 0 0In 2008 WSHIP added four disease management categories for a total of six: HIV/AIDS Depression Diabetes Asthma Coronary artery disease (CAD) Congestive heart failure (CHF) @K a  Ka  @` 3'\m3fff___PPT10i.V0 +D=' = @B +"  j  |P8d(  8 8 f ?6Slide Number Placeholder 5``  l* C   - 8  x 0e0e?Rectangle 2P `   0 aStandard Health Questionnaire   8  x 0e0e?Rectangle 3 ` 0 A 33-page  short form with 218 conditions 99,197 people took the SHQ in 2008 51,987  online version 47,210  paper version It is the standardized  tool for Washington individual market underwriting .N 3 M   @` 3'\m3fff___PPT10i.[+D=' = @B +"  b  p<(  < < f ?6Slide Number Placeholder 5``  l* C   % <  x 0e0e?Rectangle 2P `   0 YWho develops the SHQ?   <  x` 0e0e?Rectangle 3 ` 0 8State law mandates WSHIP Board of Directors to be responsible for  & the form and content of the standard health questionnaire and the method of its application. RCW 48.41.060 An independent actuary must certify that the questionnaire identifies the 8% of persons who are the most costly to treat who are under individual coverage in health benefit plans (e P e @` 3'\m3fff___PPT10i.ږ +D=' = @B +"  b  zr@Z(  @ @ f ?6Slide Number Placeholder 5``  l* C   - @  x 0e0e?Rectangle 2P `   0 aStandard Health Questionnaire   @  x 0e0e?Rectangle 3 ` 0 SHQ must be recertified every 18 months SB5777/HB1713  Bills in Legislature, now, to expand time period  every 36 months, which will save limited resources For recertification, carriers selling individual products must submit five years claims data (medical and Rx) WSHIP s own claims data also included Actuary analyzes data,J   3 J @` 3'\m3fff___PPT10i.ݖv+D=' = @B +" b  D(  D D f ?6Slide Number Placeholder 5``  l* C   - D  xJc 0e0e?Rectangle 2P `   0 aStandard Health Questionnaire  N D  xKc 0e0e?Rectangle 3 ` 0 &Claims data processed through the Episode Treatment Group (ETG) software to assign each claim to an  episode of care (ETG) Prospective risk score is attached to each ETG using cost relativities Risk weights are used to calculate a  predictive risk score for each individual   @` 3'\m3fff___PPT10i.fe+D=' = @B +" b  H(  H H fLc ?6Slide Number Placeholder 5``  l* C    H  xMc 0e0e?Rectangle 2P `   0 B Off hand, I d say you re suffering from an arrow through your head, but just to play it safe, I m ordering a bunch of tests.   " H  xOc 0e0e?Rectangle 3 ` 0 V   @`  H AF??F7018_medical_cartoon arrow in headPicture 47018_medical_cartoon arrow in headY 3'\m3fff___PPT10i.ݖ^+D=' = @B +" u   x L` (  L L f A ?6Slide Number Placeholder 5``  l* C   - L  x@B 0e0e?Rectangle 2P `   0 aStandard Health Questionnaire   L  x`C 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!]"drs/downrev.xmlDN@FM|͘x'[5P,_ !cwhٺBy{7^LΗ3rv .nR^<ߌAL Na>b푷t؅JD !tɠ؎8uC<]%cV%Hl8.Q^S1 t|\ E^U~V_<ԇwyYOc0M& -@NA PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!]"drs/downrev.xmlPK `H$ 0 nWork is underway for October 1, 2009, recertified questionnaire A public process  input provided by: Agents (12 provided comments) Carriers WSHIP Board OIC and interested parties Dg ZO Z ZgO   @` 3'\m3fff | ___PPT10\ .+cD ' = @B D ' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*LA%(D' =%(DM' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*LAg%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*Lg%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*L%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*L%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*L%(+8+0+L +"{ u  jbPJ(  P P fD ?6Slide Number Placeholder 5``  l* C   - P  xE 0e0e?Rectangle 2P `   0 aStandard Health Questionnaire   P  xF 0e0e?Rectangle 3 ` 0 ~An industry  workgroup reviews all feedback 80+ items on the SHQ  feedback list for 2009 recertification Board  Tool Committee reviews / approves recommendations; forwards to the Board Committee chaired by (one of your own): Bill Perkins, CEO, GHB Insurance, Olympia (Governor-appointed agent rep to the Board) 0 X  @ @ @` 3'\m3fff___PPT10i.`+D=' = @B +" u  0T(  T T fH ?6Slide Number Placeholder 5``  l* C   5 T  xI 0e0e?Rectangle 2P `   0 iSHQ not always used(   T  xJ 0e0e?Rectangle 3 `H$ 0 )Exception 1: if eligible for Medicare X)   (((( * @`lB T D?Line 500 3'\m3fffy___PPT10Y+D=' = @B +"   PX(  X X f`L ?6Slide Number Placeholder 5``  l* C   5 X  xM 0e0e?Rectangle 2P `   0 iSHQ not always used(   X  xN 0e0e?Rectangle 3 ` 0 *Exception 2: Your medical insurance ended during the last 90 days for any of the following reasons: a. You have used up all of your available COBRA coverage b. Your former employer, who provided you with health coverage, gone out of business while you were on COBRA coverage c. You changed residences from one part of Washington state to another part where your current health plan is not offered J P P   @` 3'\m3fff___PPT10i. Nu+D=' = @B +"E   4,p\(  \ \ fP ?6Slide Number Placeholder 5``  l* C   5 \  x Q 0e0e?Rectangle 2P `   0 iSHQ not always used(   \  x 0e0e?Rectangle 3 ` 0 Exception 3: You are adding a newborn, or adopted child (regardless of age) during the last 60 days who you want to add to your existing policy New issue: Coverage for 25 year-old dependent (RCW 48.44.215)  to be included in revised SHQ for October 2009l   "A  @` 3'\m3fff___PPT10i._ +D=' = @B +"     `(  ` ` f`S ?6Slide Number Placeholder 5``  l* C   5 `  xT 0e0e?Rectangle 2P `   0 iSHQ not always used(  ^ `  xV 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!Bdrs/downrev.xmlDJ@a;UbTZAhiݟۻxsl1-C,B>@mm^?] B$H;'ͨRh|V$ !t1Pm)V*O7Z^gٝ4ݷAWnb oD1^FB)ib|R_M ?PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!Bdrs/downrev.xmlPK `H$ 0 }Exception 4: You have been covered by a group health plan that is exempt from COBRA including church plans, for at least 24 continuous months, and: You will lose coverage under that plan within the next 90 days You lost coverage within the past 90 days< i  i   @` 3'\m3fff ___PPT10.+] )D' = @B D<' = @BA?%,( < +O%,( < +Ds' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*`%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*`%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*`%(+8+0+` +"    d(  d d fW ?6Slide Number Placeholder 5``  l* C   5 d  xX 0e0e?Rectangle 2P `   0 iSHQ not always used(  N d  xY 0e0e?Rectangle 3 ` 0 Exception 5: Your doctor or other health care provider stopped being a part of the provider network on your current individual medical plan, and& a. Your doctor or provider is on the new health plan you are applying for, and b. You must have had some service from that provider during the 12 months before he or she left your current health plan, and c. You must submit your application to the new health plan within 90 days from the day your provider left your current health plan's network. H P  e  @` 3'\m3fff___PPT10i.2+D=' = @B +"   h(  h h f@[ ?6Slide Number Placeholder 5``  l* C   5 h  x`\ 0e0e?Rectangle 2P `   0 iSHQ not always used(  , h  x] 0e0e?Rectangle 3 ` 0 `Exception 6: You have been enrolled in the Washington State Basic Health Plan (BHP) for at least 24 continuous months and& a. You will lose your BHP coverage within the next 90 days, or b. You lost your BHP coverage within the last 90 days .  qy  @` 3'\m3fff___PPT10i.@bs+D=' = @B +"   l(  l l f^ ?6Slide Number Placeholder 5``  l* C   ( l  x 0e0e?Rectangle 2P `   0 \New Exemption SHQ issues    l  x 0e0e?Rectangle 3 ` 0 AEconomic downturn causing more businesses to cancel group health insurance How does this affect the rules for who must take the SHQ? How might COBRA rules be affected? Working with the OIC for clarification on SHQ Exemption rules   @` 3'\m3fff___PPT10i. +D=' = @B +"G   6.p(  p p f ?6Slide Number Placeholder 5``  l* C     p  x` 0e0e?Rectangle 2P `   0 TMore about WSHIP   p  x 0e0e?Rectangle 3 ` 0 Enrollment growth 2,333 in 2002 3,397 in 2008 Growth stunted by Lack of awareness about the Pool by people who are eligible Concern about premium costs; lack of awareness about lower-cost plan options Agents can help! P P P P P P P  @` 3'\m3fff___PPT10i.H0on+D=' = @B +"   0t(  t t f ?6Slide Number Placeholder 5``  l* C     t  x 0e0e?Rectangle 2P `   0 TMore about WSHIP   t  x 0e0e?Rectangle 3 ` 0 F2008 Enrollment = 3,397 Evergreen Health Insurance Program (EHIP), serving HIV/AIDS clients = 920 enrollees (or 28% of WSHIP s enrollment) Average age = 49 24% enrolled in Medicare due to age or disability 75% of Medicare enrollees under age 65 Z  @` 3'\m3fff___PPT10i.A+D=' = @B +"     Px (  x x f@ ?6Slide Number Placeholder 5``  l* C   * x  x` 0e0e?Rectangle 2P `   0 ^More about WSHIP    W x  xM 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!}drs/downrev.xmlDQk0ptJU:"α@pmm]$j=;|UqekkG 6U)9(ja=e̞P1>#*6k#۲:M!FWJẑ$JM>\4B;mߟC~6\PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!}drs/downrev.xmlPK `H$ 0 vIndividual premiums are: 110% - 150% higher than  comparable individual plans in the market (this is law) Not nearly high enough to pay the actual costs. The difference between premiums and total costs is made up through  ASSESSMENTS Z  Dt   @` 3'\m3fff___PPT10z.+] )D' = @B D' = @BA?%,( < +O%,( < +D ' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*x%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*xk%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*xk%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*x%(+8+0+x +"' Щ    p| (  | | f ?6Slide Number Placeholder 5``  l* C   # |  x 0e0e?Rectangle 2P `   0 WHow WSHIP is funded  { |  x@ 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!J _drs/downrev.xmlDQO0M5M:gȤ pm/tm6<9Nl0;G0ҩ6>׻1*%' 0^_MRhtņ%  1Aj2F'c1M,+֦=-4ɟݯЗ뗷^a|Cq{3̟EeRZ)yQ%[ H~6PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!J _drs/downrev.xmlPK `H$ 0 Because WSHIP premiums can be no higher than 150% of comparable commercial plans& And enrollees are the sickest and most costly& Premiums paid by enrollees have averaged 32% of total costs of coverage over past five years The difference is paid by the carriers. They are ASSESSED their proportionate share of the cost based on their share of the general health insurance market in Washington state6 Z   @` | N` ?Rectangle 6aLH V    3'\m3fff  ___PPT10 .+cD* ' = @B D ' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*|R%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*|R%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*|%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*|%(+8+0+| +" ѩ     (    f ?6Slide Number Placeholder 5``  l* C   4   x 0e0e?Rectangle 2P `   0 h$Funding continued&       x 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!Bdrs/downrev.xmlD]O0Mkt&?u} vi+o^ݱ9Z#`|@#|vy1Bڣa Є!~d{2btK$ؚ`OˆݏgqqҦ&հxhcUsz,_N_[􁜀m)/PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!Bdrs/downrev.xmlPKH$ 0 JWho gets assessed?  Member Plans selling health insurance (group or individual). This includes all: HMOs (Group Health) Service Contractors (Premera, Regence) Commercial Insurers (Aetna, United) Multi-employer Welfare (Timber Products) Stop-loss Carriers/UMP (Safeco, State plans) (Special deal  ten cents on the dollar) Life, dental, long term care, disability income and Medicare Advantage coverage excluded.  ZT Z Z) Z\ ZT)  Z   `  N ?Rectangle 6aLH V    3'\m3fff___PPT10.+cDw' = @B D2' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D ' =%(D ' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*i%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*i~%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*~%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*!%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*!J%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*J%(+8+0+ +" ө     (    f@ ?6Slide Number Placeholder 5``  l* C   4   x` 0e0e?Rectangle 2P `   0 h$Funding continued&      x 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!udrs/downrev.xmlDQK0C/9j(SN][mĭ >7_{va_ | a8?Slx 3BhB3)}հ&?=btT;y$wRSkCC=?^iZJ;Y_!^^ C綸*n_ԋB)]qtڐ_ 'PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!udrs/downrev.xmlPK `H$ 0  WSHIP assessments become part of the premiums paid in the individual and group markets. Assessments in 2008 were about $40.7 million. This works out to be about $1.12 per month, for each person insured in the individual and group markets (roughly 3.6 million people).P  w i  @`  N ?Rectangle 6aLH V    3'\m3fffia___PPT10A.+cD' = @B D' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*X%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*X%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<* %(+8+0+ +" ԩ  (    f` ?6Slide Number Placeholder 5``  l* C   4   x 0e0e?Rectangle 2P `   0 h$Funding continued&   H   x 0e0e?Rectangle 3 ` 0 |WSHIP received federal grants to help cover losses and bonus grants to fund premium reductions In 2006 = $2.4 million ($1.5m for operational losses; the balance for premium subsidies) In 2008 = $1.6 million ($1m for operational losses; the balance for premium subsidies)*_  _  @` 3'\m3fff___PPT10i.P+D=' = @B +"  ֩  }u](    f ?6Slide Number Placeholder 5``  l* C   4   x 0e0e?Rectangle 2P `   0 h$Funding continued&     # A??Picture 4 0 3'\m3fff___PPT10i.0ߨ}+D=' = @B +"! ٩  (    f ?6Slide Number Placeholder 5``  l* C   &   x 0e0e?Rectangle 2P `   0 ZFunding study proposed  ,   x@ 0e0e?Rectangle 3 ` 0 `2009 Legislative proposal by WSHIP Board: Solicit funds to study options for equitable, stable, and broad-based funding sources for the operation of the pool Report findings, recommendations appropriate legislative committees4+    @` 3'\m3fff___PPT10i.H+D=' = @B +"" ک  0(    f ?6Slide Number Placeholder 5``  l* C   ,   x 0e0e?Rectangle 2PP  0 `WSHIP Organization       x 0e0e?Rectangle 3H$ 0 zWSHIP Board of Directors Executive Director Benefit Management, Inc. (BMI)  Plan Administration First Choice Health Network Medco (Pharmacy Benefit Manager) Qualis Health (Care Management)0 Z2  @`lB  D?Line 500 3'\m3fffy___PPT10Y+D=' = @B +"# ܩ  O G P/ (    f@ ?6Slide Number Placeholder 5``  l* C   #   x` 0e0e?Rectangle 2P `   0 WApplication Process     x 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!Bbdrs/downrev.xmlDQO0M5M: \A L߯eVy<9'7vv`SZ՘ X܌@@FQk #try1\٣a*!PRfM~`;6[)*#\.Ić:\~~4B7\=Fż~FgO +B#style.visibility<*$%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*$v%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*v%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*<%(+8+0+ +"$ ݩ   p(    f ?6Slide Number Placeholder 5``  l* C   !   x 0e0e?Rectangle 2P `   0 UCarrier Rejection    N@ ?Rectangle 6aLH V      x` 0e0e?Rectangle 7P ` 0 O The only way to get WSHIP coverage is if a carrier first rejects the applicant6 O 4 P @` 3'\m3fffy___PPT10Y+D=' = @B +"-%      (    f@ ?6Slide Number Placeholder 5``  l* C   '   x 0e0e?Rectangle 2P `   0 [WSHIP Enrollment Packet  s   x 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!udNdrs/downrev.xmlDMK@Eax;;jbTEPhE=3I4N ]^\d|oQtcd[j$Df VвѾB]7)#cInoktxLp5,˹^--:j6J-^fl?WoB\^=@1wwo_ԋ0˼>}^r_M?PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!udNdrs/downrev.xmlPK `H$ 0 Application is 9 pages Section I  Agent Information !!! Packet includes: Eligibility information Summaries of Benefits (all plan options) Rate charts Low-income application Appeals & Grievance Policy Online at: www.wship.org b P P P;  @` 3'\m3fff___PPT10p.+cD' = @B D' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(Dp ' =%(D ' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*;%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*;>%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*>O%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*Oi%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*i%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(+8+0+ +"T&   SK3(    f ?6Slide Number Placeholder 5``  l* C   (   x 0e0e?Rectangle 2P `   0 \WSHIP Non-Medicare Plans  `   x 0e0e?Rectangle 3H$ 0 hStandard Plan - 410 enrollees in 2008 Deductibles: $500, $1,000, or $1,500 80/20 coinsurance Three-tiered Rx copays, that vary with deductible  Passive PPO overlay, First Choice Network (WA, OR, ID, MT & Beechstreet nationally) RL Z Z$  @`lB  D?Line 500  N ?Rectangle 6aLH V    3'\m3fffy___PPT10Y+D=' = @B +"'   |d(    f ?6Slide Number Placeholder 5``  l* C   8   x` 0e0e?Rectangle 2P `   0 lNon-Medicare Plans (continued)        x 0e0e?Rectangle 3H$ 0 Preferred Provider Plan - 2,034 enrollees Deductibles: $500, $1000, $2500, $5000 First Choice Health Network (WA, OR, ID, MT & Beechstreet nationally) 80/20 network coinsurance; 40% non-network Three-tiered Rx copays that vary with deductibleNR  $  @`lB  D?Line 500  N ?Rectangle 6aLH V    3'\m3fffy___PPT10Y+D=' = @B +"q(   `X@(    f` ?6Slide Number Placeholder 5``  l* C   8   x 0e0e?Rectangle 2P `   0 lNon-Medicare Plans (continued)        x 0e0e?Rectangle 3 0 HSA Qualified PPO Plan - 60 enrollees Deductible $3,000 (medical and Rx) 80/20 network coinsurance; 40% non-network 20% Rx coinsurance Combined medical and Rx out-of-pocket expense limit (individual): $5,250 network; $10,500 non-network '  &  %  @` 3'\m3fff___PPT10i.+y+D=' = @B +")   {s[(    f` ?6Slide Number Placeholder 5``  l* C   8   x! 0e0e?Rectangle 2P `   0 lNon-Medicare Plans (continued)     T   x# 0e0e?Rectangle 3 ` 0 Limited Preferred Provider Plan  A  3 enrollees Deductible: $1,500 80/20 network coinsurance; 40% non-network Rx 50% non-preferred brand; 30% brand; $10 generic copay; Rx maximum $3,000/year Reduced benefits for: medical supplies/equipment; reduced visits/days for rehab therapies, skilled nursing facility, spinal manipulations. 2 Z Zv Z Z# v O @`lB  D?Line 500 3'\m3fff___PPT10i.+`IW+D=' = @B +"*   0(    f$ ?6Slide Number Placeholder 5``  l* C   8   x% 0e0e?Rectangle 2P `   0 lNon-Medicare Plans (continued)        x& 0e0e?Rectangle 3P 0 2 Limited Preferred Provider Plan  B  11 enrollees Deductible: $1,500 Coinsurance: 20% network; 40% non-network Rx 50% non-preferred brand; 30% preferred brand; $10 generic copay; Rx maximum $2,000/year Reduced benefits: No maternity benefit; reduced medical supplies/equipment allowance; reduced visits/days for rehab therapies, skilled nursing facility, spinal manipulations. 4 P P P P P#   @` 3'\m3fff___PPT10i.+o+D=' = @B +"+   P(    f@( ?6Slide Number Placeholder 5``  l* C   "   x`) 0e0e?Rectangle 2P `   0 V There s really no need for confusion with this Medicare stuff. Page 95, section 33, paragraph L in the instructions quite clearly says&      AL??L7690_insurance_cartoon Medicare stuffPicture 47690_insurance_cartoon Medicare stuffWb 3'\m3fff___PPT10i.ۖ7O+D=' = @B +",   VNp6(    f@+ ?6Slide Number Placeholder 5``  l* C   :   x`, 0e0e?Rectangle 2P `   0 n(Medicare Advantage Proposed Legislation) )( )   x- 0e0e?Rectangle 3 ` 0 wLimit WSHIP enrollment for new Medicare-eligible persons to only those who do not have access to a reasonable choice of comprehensive Medicare Part C plans Must have access to at least three different HMO or PPO carriers in their county of residence Plan options must include coverage at least as comprehensive as a Plan F Medicare supplement plan combined with Parts A and Bx x x @` 3'\m3fff80___PPT10.``*"-   (    f. ?6Slide Number Placeholder 5``  l* C   F   x0 0e0e?Rectangle 2P `   0 z4Medicare Advantage Proposed Legislation (continued)5 5( 58   x 1 0e0e?Rectangle 3 ` 0 lAccess to a stable provider network in place for at least two years Easily accessible provider directories either online or hard copy If no plan includes the provider from whom health care services were received in the past twelve months, not considered reasonable access    @` 3'\m3fff80___PPT10.a0 &"x. `  woW(    f2 ?6Slide Number Placeholder 5``  l* C   (   x 0e0e?Rectangle 2P `   0 \Medicare Plans       x4 0e0e?Rectangle 3 `H$ 0 VMedicare Basic Plan  requires enrollment in Parts A & B - 190 enrollees No deductible Secondary to Medicare Parts A & B - acts as a Medicare wraparound No coinsurance for benefits covered by Medicare 20% coinsurance for other benefits Coverage for Part B Rx drugs; no coverage for Part D Rx drugs bJ Z Z;  , @`  N6 ?Rectangle 6aLH V    3'\m3fffy___PPT10Y+D=' = @B +"/ a  (    f6 ?6Slide Number Placeholder 5``  l* C   4   x7 0e0e?Rectangle 2P `   0 hMedicare Plans (continued)     V   x9 0e0e?Rectangle 3 ` 0 Medicare Basic Plus Plan  603 enrollees Closed to new enrollment. Must be enrolled in Medicare Parts A, B, and D. Pays 100% of deductible, copay, and coinsurance for Medicare benefits. Enrollee pays 20% of benefits not covered by Medicare.`) Z Z$C  @` 3'\m3fff___PPT10i.F13+D=' = @B +"0 c     (    f: ?6Slide Number Placeholder 5``  l* C      x; 0e0e?Rectangle 2P `   0 RWSHIP Premiums  @   x< 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!cm!drs/downrev.xmlDQK0Co.uZ[1 |6wm)IܺoAb4ؓeqmuǍ"2)8dҾ *hC )}ݒA?qv 1Fj7&ɍ4q|hqUKWm ~ժW3RgD1w__Zk4KA잎[􁜂m)PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!cm!drs/downrev.xmlPKH$ 0 ^By law, monthly premiums can be: No higher than 150% of the  comparable commercial plans, except& Network Plan (PPO) can be no higher than 125% of the  comparable commercial plans A, and NO premiums can be lower than 110%V!  !$;o   @`  N= ?Rectangle 6aLH V    3'\m3fff  ___PPT10 .+.AD* ' = @B D ' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*!%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*!d%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*d%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(+8+0+ +" 1 d  (    f> ?6Slide Number Placeholder 5``  l* C   *   x@ 0e0e?Rectangle 2P `   0 ^2009 Non-Medicare Premiums  U   x A 0e0e?Rectangle 3 ` 0 +Standard Plan base rates are 150% of the Standard Risk Rate (SRR) Preferred Provider Plan base rates are 110% of SRR with no additional discounts available (statutory minimum) <65 age-rated in all plans by 5-year brackets Rates vary by plan and deductible choices Gender/smoking status do not apply , Z, , @` 3'\m3fff___PPT10i. l+D=' = @B +"2 f  0g(    f@B ?6Slide Number Placeholder 5``  l* C   9   x`C 0e0e?Rectangle 2P `   0 m2009 Non-Medicare Rate Examples (    xD 0e0e?Rectangle 3 ` 0 Standard Plan (age 45) Base Rate: $500 deductible = $1,170 $1000 deductible = $1,009 $1500 deductible = $900 With 18 months prior continuous coverage: $500 deductible = $975 $1000 deductible = $834 $1500 deductible = $750 Rate Tables online at: www.wship.org  P% P P P   R*O'  @` 3'\m3fff___PPT10i.q0F+D=' = @B +"3 g  P(    fD ?6Slide Number Placeholder 5``  l* C   2   x G 0e0e?Rectangle 2P `   0 f 2009 Non-Medicare Rate Examples ! !( !   xH 0e0e?Rectangle 3P 0 Preferred Provider Plan (age 45) $500 deductible = $858 $1000 deductible = $740 $2500 deductible = $399 $5000 deductible = $315 No additional discounts available for the PPO Plan At 110% of the Standard Risk Rate, the rates are as low as the law allows | P} P P P(   @`lB  D?Line 4PP 3'\m3fff___PPT10i.& m+D=' = @B +" 4 i  p(    fI ?6Slide Number Placeholder 5``  l* C   1   x@K 0e0e?Rectangle 2P `   0 e2009 Non-Medicare Rate Examples   ( O   xL 0e0e?Rectangle 3 ` 0 HSA Qualified Preferred Provider Plan $3,000 deductible = $382 (age 45) No additional discounts available for the PPO Plan At 110% of the Standard Risk Rate, the rates are as low as the law allows pL }  %(%}  @` 3'\m3fff___PPT10i.q01܄+D=' = @B +"i5p2 j  XP8(    fM ?6Slide Number Placeholder 5``  l* C   1   x`O 0e0e?Rectangle 2P `   0 e2009 Non-Medicare Rate Examples   ( 8   x 0e0e?Rectangle 3 ` 0 lLimited Preferred Provider Plan  A $1,500 deductible = $618 (age 45) No additional discounts available for the PPO Plan At 110% of the Standard Risk Rate, the rates are as low as the law allows J }   #,$$|$$  @`lB  D?Line 500 3'\m3fff___PPT10i.s0`_ +D=' = @B +"6 l  (    f ?6Slide Number Placeholder 5``  l* C   1   x` 0e0e?Rectangle 2P `   0 e2009 Non-Medicare Rate Examples   ( 6   x 0e0e?Rectangle 3 ` 0 jLimited Preferred Provider Plan  B $1,500 deductible = $552 (age 45) No additional discounts available for the PPO Plan At 110% of the Standard Risk Rate, the rates are as low as the law allows I Z~ Z Z Z#,$ |$$  @` 3'\m3fff___PPT10i.s0YV+D=' = @B +"7 m  skS(    f ?6Slide Number Placeholder 5``  l* C   (   x 0e0e?Rectangle 2P `   0 \2009 Medicare Premiums (    x 0e0e?Rectangle 3 ` 0 65+ Basic Plan base rates are 150% of SRR 65+Basic Plus Plan rates are 150% of SRR <65 rates are 110% of SRR (based on Medicare disabled population) $  (  @` 3'\m3fff___PPT10i.HP$ +D=' = @B +"8 `  umU(    f@ ?6Slide Number Placeholder 5``  l* C   3   x 0e0e?Rectangle 2P `   0 g!Medicare Plans 2009 Rate Examples" "( "S   x 0e0e?Rectangle 3 ` 0 Medicare Basic Plan age 45 = $195; age 65+ = $293 Medicare Basic Plus Plan age 45 = $323; age 65+ = $487 (additional discounts may apply for over age 65) Q  2   ! 2   @`lB  D?Line 4PP 3'\m3fff___PPT10i.F%^+D=' = @B +"9 c  u m U (    f ?6Slide Number Placeholder 5``  l* C   '   x 0e0e?Rectangle 2P `   0 [WSHIP Premium Discounts     x 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!/qdrs/downrev.xmlDJ@E0<ЦNKZAHk5fބM./r.gM/|gY$A\[qzYYcozuy\t܅FD! nɠ؁8v ]#S^Nd. vZh}C}xUQt|f{Uj܁4ޕGW< Ot>Sm4PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!/qdrs/downrev.xmlPKPH$ 0 Standard Plan Premium Discounts for Low Income: Two levels, based on family income: Greater than 250% to 301% of the Federal Poverty Level Guidelines Less than 251% of the Federal Poverty Level Guidelines Available ONLY if state funds for WSHIP are available.0 Z$ Zy Z7 Z0$;3 )  @` 3'\m3fff  ___PPT10s .+cD ' = @B D ' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*0%(Ds' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*0T%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*T%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(+8+0+ +": d    0 (    f ?6Slide Number Placeholder 5``  l* C   '   x 0e0e?Rectangle 2P `   0 [WSHIP Premium Discounts  (   x 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK![drs/downrev.xmlDQO0M5M:ABPbb\6]og[{|'tM'|kY A\Yr`[>L@L a>bt܄Z$4!􅔾jȠ؞8u{ ]-SN^l9=4Ӳks0 |OeiG3]뫸x(qSm29PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-![drs/downrev.xmlPK `H$ 0 GAdditional Premium Discount for Standard Plan and Medicare over 65 if: Have been enrolled in a prior plan for at least 18 months (15%) Have been enrolled in WSHIP for more than 36 months (5%) >G z  G${  @`  Ng ?Rectangle 6aLH V    3'\m3fffia___PPT10A.+cD' = @B D' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*G%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*G%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(+8+0+ +"*; f  A 9 P! (    f` ?6Slide Number Placeholder 5``  l* C   '   x 0e0e?Rectangle 2P `   0 [WSHIP Premium Discounts  +   x 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!vJdrs/downrev.xmlDQK0Co.nupmjsS>;|`:q"[ n' k;ˤ`$ mϼ!"B /UCı;Zg0j#t.I2i`O÷Qv/u:/7^  Y6/Y+Hi8>{􁜂m)PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!vJdrs/downrev.xmlPK `H$ 0 ICombined Premium Discount on Standard Plan 1 and Over 65 Medicare for: Coming onto a WSHIP plan with 18 months of prior continuous coverage AND Being enrolled in WSHIP for more than 36 monthsBG y G$E0  @`lB  D?Line 500 3'\m3fffia___PPT10A.+.AD' = @B D' = @BA?%,( < +O%,( < +DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*G%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*G%(DA' =%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(+8+0+ +"< g  ~vp^(    f ?6Slide Number Placeholder 5``  l* C   '   x 0e0e?Rectangle 2P `   0 [WSHIP Premium Discounts     x 0e0e?Rectangle 3 `H$ 0 In No Case can the WSHIP premium be lower than 110% of the  Standard Risk Rate (i.e., the rate for  comparable plans) X|   $I$( } @`lB  D?Line 500  N ?Rectangle 6aLH V    3'\m3fffy___PPT10Y+D=' = @B +"= i  0 (  (    f ?6Slide Number Placeholder 5``  l* C   >   x  0e0e?Rectangle 2P `   0 r.Why agents help needed     x@ 0e0e?Rectangle 3"PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!!bdrs/downrev.xmlDQk06uhC5~ݚ$>;|Š;v$[k$<`d*ZSK.ߟ0(! g0Wdt܅E9JhBs}ՐF?=bt5WO;&ɄklM|hUCOKmrUڗaXNmĵ>qyZEI~6PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!!bdrs/downrev.xmlPK `H$ 0 "vStandard Health Questionnaire  challenging! WSHIP s Application process can be confusing! 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Mail it to: WSHIP PO Box 329 Bow, WA 98232-0329 Or fax to: 360-734-2577; or email to: Amackie@wship.org Include a copy of your Agent license.x0 Zb Z& Z#a: b  @` 3'\m3fff___PPT10i.Y+D=' = @B +"C ֧  P (    f ?6Slide Number Placeholder 5``  l* C   ,   xِ 0e0e?Rectangle 2P `  0 `Agent Directory Listing Form  (   x 0e0e?Rectangle 30 0 \I have completed the WSHIP agent training, and I would like to be listed as an agent for assisting WSHIP applicants. NAME____________________________________ License No.___________________ FIRM_________________________________________________________________ ADDRESS_____________________________________________________________ CITY________________________________ STATE ____ ZIP ________________ PHONE _________________________ FAX _________________________ EMAIL _________________________ SIGNATURE__________________________________________ DATE ____________ You must submit a copy of your agent license to WSHIP with this form Email to: amackie@wship.org; or mail to WSHIP, PO Box 329, Bow, WA 98232-0329 >v PI P P P Pa P PG P P PwC'CCCCCCiCECOC  @` 3'\m3fff___PPT10i.HT2+D=' = @B +"D ק  p y(    f` ?6Slide Number Placeholder 5``  l* C      x! 0e0e?Rectangle 3H$ 0 * Questions? 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Sean Corry QuadrantChris Peterson172Microsoft PowerPoint@hb@j@`Zvѝ Gg  pp  pA x(x1Bscc1c1΄{΄{c1s{c1B{c11{1csBZ{c1s{Z{s{ZB{1cZB1cs1csBc1{1csc1΄cB1s{1c1΄1scZc1ΥBZ{sZs{s{sBcZc1B祔cscZcZ{scZ{scZB{޵BZs{s΄ƽcB΄s{1ޔc1scsZBcZs1csscZs{1ޔ{޵Zc1cs1cssc{1cZB1{c1sc{ZBcZ1cc1c1Bƽ{ss{sƽƽc1cB{c1sc1{c1scB1s{1{c1scB{B{Z{s{ZB{1cZBB1scsB1s{c1scsc1scc1΄{c1BcB{1scZBB{c1sc1B{΄cZc1BcZcZsc1B{޵BZs{scZc1B{΄祔cs{޵BZs{BZscZsc1B{ZBƔ1scZΥBZ{ޜZBޔ{scZc1B΄{scsB{1ޔc1ƽ{1ޔc{ZBcZ1ƽ{1ޔcsB{B{޵Zc{ZB΄c{ZB΄{1ޔcsƽ1s{c1sc1s{sZcss{1ޔcc1c1sƽsc1c1scs{scZ{1ޔcZc1Bƽ{1ޔcc1c1{1ޔcc1΄cc1΄cc1s{޵ZcBc1sc1sc1sc1c1c1c1c1Bcc1c1΄c1Bc1c1s{c1c1c1scZc1Bc1sc1sc11ƽc1c1c1BcZc1Zcc1c1scc1΄c1s{1cZB{1ޔcZc1Bc1sc1sc11{ޔޜZcZsZcZscZ΄c{1ޔc1sZΥc1cZBcZ΄cZZZ{s1Bc1s{1ޔcZc1sB{1ޔ{1ޔ{޵ZcZBBc1Bs{1ޔcZZޜ{1ޔcZc1sB1s{޵ZcZB{޵ZcZBc1sc1c1sc1sƽc1Υs޽{c1c1c1΄cZBcZ΄cZBޔ{ޜ1c΄ƽ{1ޔcZc1sB{1ޔ{1BޔcZcZ΄c΄c1Bs{1ޔcZޜ{1ޔcZc1sB{΄cZcZ΄cZcZ΄{ޜ1cZBc1sc1祔ƽc1scZc1c1c1c1΄cZBޔ{c1c1sc1Bsc1Bc{1ޔc1sB{1ޔ{1ޔ{޵ZcZBcsΥc1Bs{1ޔcZޜc1Bc{1ޔc1sB1{޵ZcZB{޵ZcZBcZcZ΄c1c1B΄ƽƽc1cZBcZ΄cZBޔc1sc1sc1scZcZs{1{sc1ΥBcZ{1ޔcZc1c1c1BcZc1Z{{1scc1scZ{1Ɣc1BZcZ{1{sc1ΥBcZ{1ޔ{{1ޔZcZsZcZs{޵Zc1ssc1s΄c1sc1΄cZBcZ΄cZBޔ{΄΄Bc1sc1Bcc1΄cc1΄cZc1΄c1sc11{c1c1ZcZZc1sscZc1c1Bcc1c1cZc1c1Bc11c1sc1c1΄c1Bscc1{1ޔcc1c1s1BcBc{Z{1Bޔcc1scc1c1cZZcc1c1΄1ƽc1Zcc1c1΄{cZBc1s1cs{Z{1Bޔ1{c1scZc1Bc1sc1{ZBc1sc{Z{1BޔcZZޜ1csc1c1΄c1sc1Bcc1c1΄cc1sc1c1΄c1c{Z{1Bޔcc1c1΄c1Z{c1scZc1Bc1Zޜc1ZcZZ{޵Bƽ{ZΥs1Bƽ1css{B΄cscc11c΄cs{Zޔ΄cs{ޔ΄c΄1Bc΄cc1ZZBޜ΄cc1Z޵1B{Bc΄1cssZޜ΄csƽ΄csZ1B΄cscscc1ZZBcs{Zޔcs{Zޔ{Bcs޵ZB{c1Zcssc1sscZBcc1c1s{c1c1Bc1sc1Zcc1c1scZZޜc1{ZBc1Zޜc1sc1Bc1Bc1c1΄c1B{c1Z{Bc1sc1ssZcc1c1scsscc1ssc{Z{1B{sc1Zcc1c1sc1Zc1Bc1Bc1΄c1Zޜc1Z{B1s{΄ƽ΄ƽcscZsƽƽZBޜ΄{Bƽ΄ZZBޜ1s{BcZ{1c1Zޜ1c΄{B{1ƔƔcZc1Bc1sc1scZBc΄c1sc1BcZc1c1΄cZBνֵkBB19191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191911919cBBބsssքccckkkkkksssssksss{{{{{{{{{s{{甔ssss{sssskkk{{{{{{kkk{{{sss{ssssssccccccccckkkkkk{{{ssskkkkkkkkkZZZｽsss罽ƭ޽ތssssssccc{{{ν絵kkk{{{RRRZZZZZZ{{{ZZZ{{{RRRƜƽsss{{{ﭭ{{{εƽƵνkkk{{{{{{!!!)))999{{{999999JJJ{{{{{{{{{RRRZZZ{{RRRZZZZZZƭZccccc!!!sssccckkkcccRRRZZZRRR{)))1)1Ƅ{{{{{{ckk191)))ZZZޥcccccc{{{kkksssބ΄B9B99191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191{{{{{{sssZZZΔZZZﵵRZRkkkccc111RRR{{{{{{ccckkk)))19191919B1kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)kZ!sc)kZ)sc)RRRssskkk)))kkkRRR{{{ZZZ{{{RRRsssZZZkkk)))sc)kZ)sc)kZ!1199191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191{{{111999ƽcccƜccccccJJJ֌kkkkkkք1919991999cccRRRJJJޜ祥ֵƭֽ֭9kZ!sc)kZ)911sc)sZ)sc)111kZ)sc)kZ!1R)!9191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919191919199919R)!՜.+,0T      On-screen Show (4:3)|EE JTimes New RomanArial Wingdings Quadrant 1_QuadrantSlide 1Agents Make the Difference!Todays Topics/Remember when the individual market collapsedPast Legislative changesWSHIPs role todayWSHIPs role today (cont.)"2008 Individual market enrollment EfficiencyEffectivenessEffectiveness (cont.)Standard Health QuestionnaireWho develops the SHQ?Standard Health QuestionnaireStandard Health QuestionnaireOff hand, Id say youre suffering from an arrow through your head, but just to play it safe, Im ordering a bunch of tests.Standard Health QuestionnaireStandard Health QuestionnaireSHQ not always usedSHQ not always usedSHQ not always usedSHQ not always usedSHQ not always usedSHQ not always usedNew Exemption SHQ issuesMore about WSHIPMore about WSHIPMore about WSHIPHow WSHIP is fundedFunding continuedFunding continuedFunding continuedFunding continuedFunding study proposedWSHIP OrganizationApplication ProcessCarrier RejectionWSHIP Enrollment PacketWSHIP Non-Medicare PlansNon-Medicare Plans (continued)Non-Medicare Plans (continued)Non-Medicare Plans (continued)Non-Medicare Plans (continued)Theres really no need for confusion with this Medicare stuff. Page 95, section 33, paragraph L in the instructions quite clearly says)Medicare Advantage Proposed Legislation5Medicare Advantage Proposed Legislation (continued)Medicare PlansMedicare Plans (continued)WSHIP Premiums2009 Non-Medicare Premiums 2009 Non-Medicare Rate Examples!2009 Non-Medicare Rate Examples 2009 Non-Medicare Rate Examples 2009 Non-Medicare Rate Examples 2009 Non-Medicare Rate Examples2009 Medicare Premiums"Medicare Plans 2009 Rate ExamplesWSHIP Premium DiscountsWSHIP Premium DiscountsWSHIP Premium DiscountsWSHIP Premium DiscountsWhy agents help neededAgent Compensation Slide 64Final DetailsRThis training gives you the opportunity to be listed on the WSHIP Agent DirectoryAgent DirectoryAgent Directory Listing Form Slide 69  Fonts UsedTheme Slide TitlesE&_ uChris PetersonChris Peterson  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|~ Root EntrydO)PicturesCurrent UserSummaryInformation(}PowerPoint Document( DocumentSummaryInformation8Root EntrydO)S=@PicturesCurrent User,SummaryInformation(} _ MikeMike