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LOMA Health Underwriting Study Group
April 27 – 29, 2010
The Westin Riverwalk

San Antonio, TX
   
 

If you would like to receive marketing information on this meeting, please contact us.

For information about Exhibitor and Sponsorship Opportunities, click here.

  

 

Register Today!

 

Quick Reference

Registration Information

Download the 2010 Registration Form

View the 2010 Program

List of Last Year's Attendees and Companies

Hotel Information

Exhibitor and Sponsorship Information

For More Information

 

About The Health Underwriting Study Group
This group was created as an information source for underwriters, actuaries and executives from health insurance companies. Health Underwriting Study Group is open to vice presidents of underwriting, underwriters, actuaries, claims and law department executives; and executives of companies offering individual and small group health insurance and related products.
  
Membership is complimentary with full conference registration fee. 

Members of Health Underwriting Study Group receive:

  • Complimentary subscription to JournalScan, a bi-monthly newsletter that focuses on the risk management implications of new developments in clinical medicine, pathology, epidemiology and medical research.

  • Annual Individual Medical Survey

  • Annual Small Group Survey

  • The opportunity to network with risk management executives. Members receive a roster with complete contact information of all HUSG members. (You may opt out of membership and not have your contact information shared.)

2010 Program 

Tuesday, April 27, 2010

7:30–8:30 A.M.
Registration

Continental Breakfast with Exhibitors
Sponsored by MRS, Inc.

8:30–10:30 A.M.
Opening Remarks and General Session


Hank George, FALU, CLU, FLMI, Chair, LOMA Health Underwriting Study Group

Jim Huffman, FLMA, ACS, Second Vice President, Management Solutions, LOMA

Healthcare Reform and its Implications
 
Panelists
Adam Brackemyre, National Association of Health Underwriters

Jonathan Shreve, FSA, MAAA, Principal and Consulting Actuary, Milliman

John Williams, Senate Commerce Committee

This panel presentation will be lead by insurance and policy experts, with focus on the implications of healthcare reform from a variety of complimentary and conflicting perspectives. Discussion will focus on changes proposed and the possible impact of those changes, with a particular focus on individual and small group market underwriting, pricing, and other critical topics.  

 

10:30–10:50 A.M.
Networking and Refreshment Break with Exhibitors

10:50 – 11:50 A.M.
Guarantee Issue, Fraud and Misrep
Shirley Glazier, Director, Blue Cross and Blue Shield of Michigan

Health care reform brings changes in the Underwriting arena for individual health products. Carriers can be successful in a 'guaranteed issue' arena. This session will help identify transition focus areas and administrative guidelines that should be considered as carriers move from Individual Medical Underwriting to a guaranteed issue arena.

11:50 A.M.– Noon
Morning wrap up, questions
, and a few minutes from our sponsor.

Noon–1:15
Lunch
Sponsored by RSA Medical

1:15–4:30 P.M.
Interactive Sessions

2:45–3:00 P.M.
Refreshment Break with Exhibitors


Individual Medical Underwriting - Day 1 is dedicated to underwriting operational issues
Individual Medical Underwriting sessions will address:

  • Collection of First Premiums

  • Application for Insurance options

  • Electronic applications

  • Expert underwriting systems

  • Imaging

  • Underwriting technology support

  • Distribution channel evolution

  • Compliance issues – Operational

  • Telephone interviews

  • Underwriting contact with the applicant/agent

  • Telecommuting

  • Underwriting metrics

  • Quality assurance/auditing, underwriter development

Small Group Underwriting
Topics to be addressed in the Small Group Underwriting interactive session include: 

  • Quotes vs. placements

  • Eligibility issues

  • Applications/health statements

  • Waiver of Health statements

  • “New” groups (no previous carrier)

  • Electronic enrollment

  • Distribution channel issues

  • Underwriting systems

  • Expert underwriting systems

  • Technology support

  • Quality assurance/auditing

  • Telephone interviews

  • Role of the underwriting in decision-making

  • New business metrics

5:00–6:30 P.M.
Reception with Exhibitors
Sponsored by MIB Solutions. 
MIB Solutions will hold a drawing for a 32" Bravia HDTV to be given away to one lucky conference attendee at the reception.

 

Wednesday, April 28, 2010

7:30–8:30 A.M.
Continental Breakfast with Exhibitors
Sponsored by Ingenix 

8:30–9:15 A.M.
Life and Disability Risk Management 2010
Hank George, CLU, FALU, FLMI

Attendees will see an overview of contemporary underwriting practices for life and disability insurance. Both the similarities and key differences between health underwriting and these two major insurability assessment domains will be stressed.
 

9:15–10:15 A.M.
Using MIB for Health Underwriting
Douglas M. Mertz, Vice President, Sales; MIB Solutions, Inc.

Join us for a presentation of the results of a recent Milliman study that examines the impact MIB information would have had on a group of over 12,000 individual health policies issued standard or better, if the underwriter had the benefit of MIB data at the time of the original decision. Medical impairments identified by MIB and the potential first-year excess claim costs that could have been avoided will be detailed.

10:15–10:45 A.M.
Networking and Refreshment Break with Exhibitors

10:45–11:30 A.M.
Automated Health Risk Assessment: A Successful European Paradigm  
Paul Triggs, PhD., RISK-CONSULTING

Prof. Dr. Weyer, GmbH

Data-driven, automated risk assessment has become the standard in Europe because of the significant advantages it offers:

  • immediate decisions
  • lower premiums for best risks
  • correct debits for applicants with medical conditions

This presentation will explain how it works and why it can also work in the U.S. for health, life and disability.

With a Ph.D. in physics, Triggs spent many years in general consulting with the Boston Consulting Group before discovering the world of data-driven risk management with Fair Isaac and moving to RISK-CONSULTING where he has been helping insurers make better use of data for 15 years.

11:30–11:45 A.M.
Morning wrap up, questions, and a few minutes from our sponsor

11:45 A.M.–1:00 P.M.
Lunch
 
Sponsored by Milliman IntelliScript

1:00–4:30 P.M.
Interactive Discussions  

2:45–3:00 P.M.
Refreshment Break with Exhibitors

Individual Medical Underwriting
Day 2, roundtable discussion is devoted to the following Individual Medical Underwriting philosophy issues:

  • Eligibility considerations

  • Use of preferred pricing/preferred underwriting

  • Significant changes to manual, guidelines

  • Underwriting requirements

  • Distribution channel risk quality

  • Dietary supplement underwriting

  • Occupational underwriting for individuals

  • White sheeting

  • Laboratory trends/genetics

  • Prescription drug underwriting

  • Rating/ridering/underwriting-by-deductible

  • Pre-ex/misrepresentation investigations

  • Renewal underwriting

  • Claims feedback/partnering

  • “Post issue” underwriting

  • Ancillary product underwriting

 

Small Group Underwriting
Small Group underwriting discussion will address:

  • Participation/census variations on in-force groups

  • Annual recertification practices

  • Renewal process/pricing/system support

  • Predictive modeling/ metrics

  • Special issues relating to mid-size groups

  • Consumer Directed Health Plans

 

Thursday, April 29, 2010

7:30–8:30 A.M.
Continental Breakfast

8:30–9:30 A.M.
Dianne Longley, Director, Research & Analysis, Life, Health & Licensing Program, Texas Department of Insurance

Dianne will provide insight into the Texas insurance market, the impact reforms might have on this market and discussion around the kinds of regulation that typically benefit from state versus federal oversight.

9:30–9:45 A.M.
Networking Refreshment Break  


9:45–11:30 A.M.
Interactive Sessions:

This morning is devoted to interactive discussion of issues, situations and case studies submitted by the attendees:

  • Individual Health Underwriting
  • Small Group Underwriting

11:30 A.M.
Meeting Adjourned

 

 

Registration 

Register by April 2, 2010
Member: $
675

 

Register after April 2, 2010

Member: $775

Refund Policy
All cancellations and refund requests must be received in writing. These requests carry a $100 U.S. administrative charge. Full refunds minus the administrative fee will be granted on written requests received no later than three business days before the meeting start date. No refunds will be granted if the request is received within three business days of the meeting. If for any reason a meeting is cancelled, LOMA will refund the total registration fee. However, LOMA will not be responsible for any travel, hotel accommodations or other costs incurred.

 

Hotel Information

The Westin Riverwalk San Antonio
420 Market Street
San Antonio, Texas 78205
1-888-627-8396
1-210-224-6500

 

To Reserve a Hotel Room:
Mention the LOMA Health Underwriting Study Group to receive the group rate.

Room Rate: Rate is $169. Rates do not include applicable state and local taxes, currently 16.75%. Book your hotel room by April 2, 2010 to ensure that you receive this discounted rate.

 

 

Thank You to Our Sponsors and Exhibitors

 

Clinical Reference Laboratory is a leading provider of laboratory testing for the life and health industry and recognized as the industry leader for providing new testing technology.  We are committed to providing our clients with innovation in IT services, unparalleled personalize service, better risk selection tools and overnight processing of samples – all focused on providing a competitive advantage to our clients. www.crlcorp.com
   
Tuo™ Sales and Underwriting automation software provides end-to-end solutions which are configured and maintained by business users. Colibrium Partners Consulting and Benchmarking helps our clients achieve success. We believe the complexities of health insurance require a partner with deep industry expertise to deliver solutions economically and successfully. www.colibriumpartners.com
         
ExamOne, a Quest Diagnostics company, is the nation’s leading provider of risk assessment information for the life insurance industry. Our integrated supply chain includes paramedical examinations, laboratory testing, attending physician statements, teleunderwriting and inspections. This integration simplifies the order, status and retrieval of these products, provides one source for all underwriting requirements and accelerates the policy application-to-issue cycle.  www.examone.com
     
  As the leading provider of risk assessment services for the insurance industry, Hooper Holmes provides insurers with the widest range of medical exam, data collection, laboratory testing and underwriting services in the industry through Portamedic, Heritage Labs and Hooper Holmes Services. www.hooperholmes.com
   
JET InsureFuse™ Product Suite is part of the JET™ Health Solutions division of AAJ Technologies. JET InsureFuse™ automates and speeds-up new customer applications and underwriting processing for health plans. It provides real-time data views for Brokers/Agents, improving workflow to speed up application processing, auto-adjudication and decision-making for Underwriters. www.aajtech.com
     

As a Leader in the Health Underwriting Industry, 
Medwise Partners provides:

  • Experienced Health Insurance Experts  
  • Outsourced Individual, Small and Large Group Underwriting Resources
  • Consulting and Process Assessments, ROI Analysis
  • Interim On-site Risk Management (CFO/COO, Chief Underwriter)
  • Financial Consulting, Health Plan Turnarounds
  • Customized Underwriting Training
     

MRS combines over 20 years of experience supporting the life and health underwriting and claims processes with leading edge technology solutions to meet the needs of our clients.  The challenges we all face in this industry will change, but our positive attitude toward their resolution will not.  Keep it simple yet sophisticated, global yet local, consistent yet flexible. 

APS Retrieval          Outsourced Underwriting
APS Summaries      Tele-Interviews
Pipeline Underwriting Workflow Platform offered as SAAS

www.mrswi.com

     

 
Sponsor of Wednesday's Lunch

Milliman IntelliScript® delivers detailed prescription histories to underwriters' desktops. IntelliScript prescription histories are

  • authorized in advance by the applicant
  • delivered online via the Internet within seconds
  • designed to uncover critical medical information
IntelliScript has become widely accepted as a catalyst for fast and effective medical underwriting. If you're considering prescription histories, please contact us. www.rxhistories.com 
   

 
Sponsor of Tuesday's Reception

MIB Solutions, Inc.
Undisclosed medical conditions on an application can cost your company millions in unforeseen early claims. MIB's Checking Service increases underwriting effectiveness by giving you more complete information to ascertain the risk.

Stay competitive, maximize profit, and minimize risk by putting North America ’s largest database of medical conditions on insurance applicants to work. Visit with us at the expo to learn more about the MIB advantage. www.mibsolutions.com/health

   
The specialty of RISK-CONSULTING is the development and exploration of the world's deepest database of health insurance application and claims data. This database allows the human morbidity to be modeled with a previously unknown accuracy. The key results of this research are the data-driven underwriting systems AktuarMed® and AktuarLife® used in health, life and disability insurance. www.risk-consulting.com
       

 
Sponsor of Tuesday's Lunch

How will your business differentiate itself in a world that’s becoming increasingly commoditized? In a world that’s more automated, how will you continue to show your clients that you’re hands-on, and that you care?

It’s critical that we look at the world with fresh eyes and are willing to learn new things, new business practices. We must take nothing for granted – assuming nothing. We must question everything.

RSA Medical… Bringing the Medicine back to the concept of assessing risk.

For More Information
Call 770-984-6446
Fax 770-984-6418
E-mail insops@loma.org

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