Insurance Training

Now that you have decided on a new insurance associate career its time to get started. ITA TriCity provides cost effective state approved insurance pre-license training modules to get you through your insurance exam. In most states, you can complete your insurance license training online.

The information you need to train and test is one click away. ITA TriCity recommends you utilize PATHWAYS to successfully pass your insurance license testing. PATHWAYS will get you through insurance license training. Statistics teach us that students who receive insurance exam prep will translate into higher insurance test scores if given ADR Training and CPC Training as a combination.

A first-time pass means faster transition to get started selling insurance sooner.

Tri City Insurance Needs

At the national level, the debate rages over keeping, repealing or changing the health reform bill that was passed last year.
At the state level, fiscal challenges are resulting in significant budget cuts, including the planned elimination of Basic Health in May.
At the same time, here in the Tri-Cities,  Clinics continues to work to meet the needs of those in our community who have no insurance and low income.
Clinics meets a part of this need, but is finding it increasingly difficult to keep up with the growing demand. The number of people without insurance continues to climb.
Some people lose their coverage because of a reduction in the hours they work, which makes them ineligible for their employer’s plan. In some cases, significant increases in premiums cause small employers to drop their plans.
Also, the trend toward shifting a greater portion of the cost to employees as premiums rise causes many employees to drop coverage for themselves and/or their dependents.

The elimination of Basic Health would add more than 2,600 to the number of people in Benton and Franklin counties without insurance at a time when available services are already strained.

In 2010, the clinic provided 5,560 patient visits, a 16 percent increase over the prior year. The number of people we turned away climbed even faster, increasing by 25 percent.

The need continues to increase at a significant rate, and the primary effects of health reform, assuming that it is not significantly changed, won’t be felt for three more years.

When people don’t have reasonable access to health care, they:
* Are likely to miss more time from work (and probably don’t get sick pay).
* Are more likely to suffer complications from chronic diseases such as diabetes, hypertension and heart disease.
* Are less able to care for their families.
* Are at greater risk for financial calamity.

The majority of our patients report to us that they would not seek care if the clinic didn’t exist.
Based on these surveys, in 2010, the clinic kept 1,670 people out of the ER. The clinic is also able to provide more appropriate care when dealing with nonemergent medical needs.

Patients in the clinic have access to follow-up care, help in managing their chronic disease and in many instances, will also have access to needed medications that the clinic is able to help them obtain from pharmaceutical manufacturers, none of which is available in the emergency room.

The demand for services is growing. The base of volunteer and financial support needs to increase in order to continue to meet the need of basic health care for those in our community without insurance.

Insurance Costs Tri-City District

A drowning and too many canal breaks are driving up liability insurance costs for the Tri City District.

Subscribers may have to pay $282,773 for insurance next year, a 45 percent jump.

Canal breaks, flood damage to private property and vehicle mishaps in the past five years led to the big jump in the insurance premium.

The $73,600 higher premium is based partly on 2006 and 2009, when claims were twice what was paid in premiums, said Fred Simpsons of Canderfield Associates, who works with Honover to provide insurance coverage.

The Tri City premium was $148,000 in 2007, but will rise to $282,110 for 2011, Simpsons said.

Citieplans Insurance of Balitimore, the underwriter, “has its eye on you,” the board were told. While claims are down this year, the previous five years cost too much, he said.

Tri City has paid about $600,000 in premiums since 2006, while there have been $1.1 million in claims. About half of that was paid by the insurance pool, and the excess carrier paid the rest.

“I got them to let us keep you in the program next year,” but reducing claims will be important, he noted.

The largest were $99,999 in the drowning of Taylor Loch in October 2006; $44,374 to Dean Before Corp for residential damage from a canal break in July 2007; $39,013 to the Diuet farm in June 2008; $44,845 as flood damage to property in July 2008; $90,443 for damages to 15 properties from an August 2008 canal break; $25,516 to Balmms for an August 2008 canal overflow;

Simpsons recommended they start settling claims before turning them over to the insurance company to reduce the number of claims counted against the insurance.