Insurance Agents Lose Job Security With Obamacare Ruling

Much has been discussed in the media about most aspects of the decision of the Supreme Court of the Affordable Care Act, or "Obamacare." I have not seen much about the fate of more than 100,000 agents and insurance brokers.
The valves are about to open for cooking mass healthcare insurance agents.The Patient Protection and Affordable Care Act requires that health insurers must spend at least $ 0.80 for each $ 1.00 in premiums charged on health care in individual and small markets, and $ 0.85 on the large group market.
Insurance agents are represented by the National Association of Health Underwriters tried hard for the government to define their commissions as part of medical expenditure and failed. The argument made by insurance agents was an absurd argument.
Obviously, financial constraints are such that the health insurance companies are forced to develop new products suitable for uninsured Americans 30000000 soon to be insured under the law. There will be no room for commissions in the new products at lower cost.
Another important development is the advent of exchange health care under the new law. These exchanges are not yet up and running, but it is easy to imagine them being related to Amazon.com (AMZN), by necessity and by law, insurance companies will showcase their products in an easy to understand and easy to compare format. There will be a huge migration of business from insurance agents, health care and traditional brokers to trade.
In some ways, the migration will be similar to the migration of retail trade from the likes of Best Buy (BBY), Barnes & Noble (BKS), Borders and Amazon.com. At least in detail there are many good reasons for the masses to go to brick and mortar stores. Regarding health insurance of the argument in favor of supply through agents is very low. Some consumers may continue to use agents simply because they are creatures of habit.
Make no mistake: the volume of business written by agents will drop dramatically.
To date, major insurance companies such as WellPoint (WLP), United Health (UNH), Aetna (AET), Humana (HUM) and Cigna (CI) were reluctant to fire workers, but it will all change after the Supreme Court Court decision. Before the decision, an insurance company was just afraid that if she pulled agents or reduce their commissions in depth, they would simply promote the products of their competitors. If the Supreme Court should have overturned Obamacare, the decision to terminate agents would have the opposite effect.
Now, with the clarity of the decision of the Supreme Court, the valves for the mass shooting of insurance agents healthcare are about to open. (For more details please see Terms Obamacare Kicking insurance agents to the border.)
About Me: I am a nuclear physicist and engineer by background. I founded two Inc. 500 companies, and have been involved in over 50 business projects. I am the chief investment officer at The Arora Report, which publishes four newsletters to help investors profit from change. Write me: Nigam@TheAroraReport.com. Follow me here and get email notification when I publish a new article.



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Court hears wife killed for insurance money

There is strong evidence suggesting Gerard Baden-Clay has murdered his wife so he could claim his life and settle down with his mistress, a Brisbane court was told.2 months free pass digital
The real estate agent of 41 years is charged with the murder of his wife, Allison 43, whose body was found on a creek bank 10 days after being reported missing on April 20.
Explosive new details of the case to the police emerged during unsuccessful Mr Baden-Clay bail before the Supreme Court in Brisbane yesterday.
Crown prosecutor Danny Boyle said while the evidence against Mr. Baden-Clay was largely circumstantial, the combination of circumstances surrounding the case was convincing.
His marriage was in trouble and he had signaled his intention to leave his wife for his mistress, and even set a deadline of 1 July, Mr. Boyle said.
Mr. Baden-Clay was in dire financial straits and stood to gain much of an insurance benefit, if his wife died.
Mr. Boyle said Allison blood was found in the car of Mr. Baden-Clay, and "the amount and position of the blood" suggested that the seat had been "laid flat to make a start."
Forensic tests showed a scratch on the face of Mr. Baden-Clay was not compatible with a shaving injury, which he had claimed. Mr. Baden-Clay had done research on the web keyword "selfincrimination" shortly before he reported to police that his wife had disappeared.
And he and the couple's three children were alone in the house with Allison on the night of his death.
Mr. Baden-Clay has also taken substantial information on his wife's life insurance policy after his body was found, but before he was formally identified, the court heard.
Defence counsel Peter Davis SC said the case against Mr. Baden-Clay was entirely circumstantial.
A post-mortem of the body showed no external injuries except a chipped tooth, Mr. Davis said.
"There is no evidence of the cause of death, there is no real evidence of the location of death, and there is no evidence that my client is on the bridge (near where the Allison's body was found), "he told the court.
There was also no evidence of a weapon and no evidence that Mr. Baden-Clay had left home the night of the disappearance of his wife.
Justice David said brace he did not accept that the business of the Crown was weak. He said there were strong reasons for Mr. Baden-Clay to flee if he was given bail, community ties notwithstanding.
"Flight is a real risk," said the judge.
DEFENSE SAYS- Prosecution is completely circumstantial
- A post-mortem examination of Baden-Clay Allison found no external injuries except a chipped tooth
- No evidence, he left home that night or was on the bridge where his body was found
The Prosecution alleges
* Gerard Baden-Clay's intention to separate from his wife
* He was having an affair
* It was in dire financial straits
* He made a request on his wife's political life insurance after her body was found
* He has conducted Internet searches on "selfincrimination" before he reported his wife missing



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BJP backs Sangma, who seeks support of Trinamool, Sena and JD(U)

New Delhi, June 21 (PTI): The Bharatiya Janata Party on Thursday announced its support for formar Lok Sabha Speaker PA Sangma in the Presidential election against the United Progressive Alliance candidate Pranab Mukherjee.
"BJP, as the main opposition, did not want to give a walkover to Congress because there was no prior consultation by the UPA to us," BJP leader Sushma Swaraj of said.
The BJP admited to the National Democratic Alliance are divided over Sangma and has appealed to allies Shiv Sena and Janata Dal-United to revisit their position of not supporting Sangma.
Swaraj and Arun Jaitley, BJP senior leader another also said that the BJP is trying to bring the Trinamool Congress on the board but refused to show how it is to do.
After BJP announced its support for him, the 64-year-old Sangma said former Chief Minister Jayalalithaa two powerful (Tamil Nadu) and Naveen Patnaik (Odisha) has sponsored its candidates.
"I am not a candidate of any single party. My name is sponsored by two powerful chief minister of the country. I am grateful to both leaders," said Sangma.
"Not only the BJP but other allies like Akali Dal, JMM and other smaller parties to secure their support. They told me that they will stand by the decision of the NDA," he said reporters here
JD (U) and Shiv Sena took a taxi different from that of the NDA, he appealed to both parties to extend support to him.
Mamata Banerjee asked if Trinamool Congress will support him, Sangma expressed the hope that the party will stand behind him as its first choice APJ Abdul Kalam has decided not to contest.
"I am used to her earlier. He asked me to support Kalam then. But he told me that if Kalam does not contest, then he supports me. Now that Kalam is not in the race, I hope Mamata supports me. I am very very hopeful that Mamata was me, "he said.
To his daughter Agatha Sangma, Minister of State in the UPA government, will vote for him, he said as he was a mature man, he can take decisions about himself.

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Dental Marketing for Dental Insurance Patients? IDA's New Dental Websites Give Dentists Both Options

The new dental marketing sites on the Internet Dental Alliance gives dentists the opportunity to find new patients who have dental insurance - or not. Turn-key set-up allows dentists to choose kinds of patients they attract, and to launch a lead generation within a few minutes.
San Francisco, CA (PRWEB) June 18, 2012
The new IDA dental marketing website put under the supervision of physicians to choose what kind of patients they want to build a practice. Internet Dental Alliance, Inc. (IDA) to know the challenges dentists face in practice on a daily basis. Therefore, IDA offers a number of options - such as an easy way to produce results in patients with dental insurance, or just as easily be a way to attract patients who are using other means of payment instead. And the conversation starts to dental website doctors to reduce confusion and misunderstanding at the reception.
One way to attract patients to dental plans to choose the importance of education and training post to display "Patient Information Center" web portal, or a dentist's website. Select titles such as "Types of Discount Dental Plans - Coverage for individuals and families", "Five Things You Should Know When the dialog Dental Insurance Plan" or "Maintenance Dental Plans."
On the other hand, doctors who do not take dental cases, it may seem like an article, "Dental payments" on their web sites instead. The mere title gives doctors the opportunity to clearly disclose the terms of payment - up to the fact that dental coverage is left as a payment option.
"Whether your dental practice in a market where fee-for-service is profitable or if you have to take out insurance to keep the seats filled, the possibility for portals can be tailored to attract a variety of new patients that increase the bottom line," said Jim Du Molin, founder of the Internet Dental Alliance , Inc., and dental marketing guru. "Strategically, select the contents of your dental website, you can attract a variety of high-value patients want - and to better manage their cash flow."
IDA-line control panel hundreds of pre-written articles on specific topics of interest to patients. Topics are not limited to payment terms. In fact, IDA recommends that physicians prefer a focus on the PortalDental care is often a family or Dentistry - and a maximum of three bio-regions based on their clinical skills, such as cosmetic dentistry, root canals, wisdom teeth, etc. by optimizing your website to attract these extra teeth, dentists can market to increase the number of costly patients seen per month.
About Internet Dental Alliance, Inc.
IDA is North America's largest dental directories, websites dentist and the patient's e-mail newsletters. It was a unique lead generation system leads to fire in 2012. Lead Fire dental technology automates the SEO and content marketing, and doctors can begin to generate new patients results in a matter of minutes set up. It automatically optimizes the IDA portals of every dentist's office using a geo-targeted local search terms. Internet Dental Alliance offers online dental marketing, dental marketing services, including dental website design, marketing, newsletters and other dental hygiene advice and resources.

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