Interpreting these new laws and regulations are complex but their affect on insurers, employers, medical professionals, and patients is even more confusing. Join HOW for a unique look at these changes and their influence on healthcare decisions for the coming years.

1. Healthcare Reform 2011: The good, the bad and the ugly (Part 2) www.healthoptionsworldwide.com

2. Introduction to Part 2 Current Issues Recap of Part 1 Medicaid 1099 Repealed States find reform “Unconstitutional” New Laws & Coverage Requirements Cadillac Taxes Tax Credits for Small Businesses Pay or Play

3. Funding of Healthcare Reform Will Healthcare reform be “shutdown”? What are the possible effects on the 2012 presidential elections?

4. Medical Loss Ratio Incurred claims + activities that improve health care quality MLR= Total premium – Federal and State taxes and licensing or regulatory fees (and accounting for risk adjustment, risk corridors and reinsurance)

5. Healthcare Reform & Insurance Companies Non- Claim Costs Agent broker commissions Marketing expenses Profits Putting Carriers Out of Business Pre-Existing Conditions Nobody gets turned away

6. Medicare – Donut Hole Rebate 50% Discount Closed by 2020 Free Preventative Care Advantage Plans – No Lifetime Limits *Steve Shore Insurance http://www.steveshoreinsurance.com

7. Medicare - Baby Boomers Doctor’s Overhead Medicare Payments Patients Actually Seen Ability to Find a Doctor

8. Wellness Programs & Healthcare Reform

9. Question & Answer For Additional Information: Phone: 1-877-234-1345 Email: info@healthoptionsworldwide.com Website: http://www.Healthoptionsworldwide.com

10. Health Engagement and Wellness Programs