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The Nation’s Top Insurers — Income & Market Percentage

Posted By Administration, Tuesday, March 12, 2019

The National Association of Insurance Commissioners (NAIC) tracks the total income and market share of the nation’s property and casualty insurers. The statistics are based on several different lines of business.

In 2018, the direct written premiums by the top 25 insurers was $670,262,757,463. While the figure only accounts for the income of 96.55% of the nation’s P&C insurers, it’s close enough to completely finished for the NAIC to draw some conclusions.

The top-10 companies — no surprise — account for a marketshare that is 47.79% of that just over $670 billion.

At this point things are still in the preliminary stages and the NAIC says the 2018 Market Share Reports for Property/Casualty Groups and Companies will be available this summer and will contain more in-depth information.

Here is the top-10:


1. State Farm

Direct premiums written — $65.9 billion

Direct premiums earned — $65.5 billion

Market share — 9.83%


2. Berkshire Hathaway

Direct premiums written — $42.9 billion

Direct premiums earned — $42.4 billion

Market share — 6.55%


3. Liberty Mutual

Direct premiums written — $34.6 billion

Direct premiums earned — $34.2 billion

Market share — 5.16%


4. Progressive

Direct premiums written — $33.75 billion

Direct premiums earned — $31.20 billion

Market share — 5.04%


5. Allstate

Direct premiums written — $33.25 billion

Direct premiums earned — $32.75 billion

Market share — 4.96%


6. Travelers

Direct premiums written — $26.24 billion

Direct premiums earned — $25.64 billion

Market share — 3.92%


7. Chubb

Direct premiums written — $22.01 billion

Direct premiums earned — $21.90 billion

Market share — 3.28%


8. United Services Automobile Association (USAA)

Direct premiums written — $22.0 billion

Direct premiums earned — $21.9  billion

Market share — 3.28%


9. Farmers Insurance

Direct premiums written — $20.31billion

Direct premiums earned — $20.15 billion

Market share — 3.03%


10. Nationwide

Direct premiums written — $18.42 billion

Direct premiums earned — $18.62 billion

Market share — 2.75%


The rest by marketshare:

11. AIG — 20.2%

12. Zurich — 1.85%

13. Hartford Fire & Casualty — 1.65%

14. CNA — 1.60%

15. American Family Insurance — 1.33%

16. Auto-Owners Insurance — 1.18%

17. Assurant — 1.07%

18. Erie Insurance — 1.06%

19. Tokio Marine — 1.0%

20. Fairfax Financial — 0.91%

21. American Financial Group — 0.89%

22. W.R. Berkeley — 0.88%

23. AmTrust Financial — 0.88%

24. AXA — 0.78%

25. Markel — 0.78%

Source link: National Underwriter

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Good News for Independent Agents — 2019 Will be a Good One

Posted By Administration, Tuesday, March 12, 2019

Reagan Consulting’s quarterly Organic Growth Survey (OGP) has good news for independent insurance agents. First the good news from last year. Spokesman Kevin Stipe said — for agents — last year was the best year since 2014. He said the fourth quarter of 2018 was a “convergence of impressive upward trends in each major line of business.”

Participants in the OGP survey said they saw organic growth of 6.1% last year. That topped the projected growth rate of 5%. Reagan is predicting 7% this year and that’s the highest rate seen since the quarterly survey began in 2008.

Stipe listed the best performing groups:

  Topping them all was employee group benefits. It grew by a rate of 7.3%. That was two-points higher than the 2017 rate.

  Commercial lines was next. It, too, rose 2% from the 2017 rate and ended up at a 6.5% increase.

  Personal lines also did well and rose for the second consecutive year. The hike was 3.9%. That — Stipe said — is “the fastest growth rate for personal lines in the 11-year history of the OGP survey.”

Source link: PropertyCasualty360.com

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Distracted Driving Deaths & More

Posted By Administration, Tuesday, March 12, 2019

Between 2015 and 2017, the PIA Western Alliance state of Montana had the fifth most deaths per 10 billion miles driven in the United States. During that time period — says a study from the consumer insurance data firm ValuePenguin — more than 1,400 people died in car crashes involving drivers who were distracted.

The five worst states — as you’ll see in a bit — are Tennessee, Delaware, Wyoming, Texas and Montana. They accounted for 31% of those 1,400 deaths.

States — there are 13 of them and the District of Columbia — with very strict distracted driving regulations had the lowest number of deaths. Those states had 25% fewer distracted driving deaths than the national average.

These are the 13 states with the strictest distracted driving laws:



  District of Columbia





  New Hampshire

  New Jersey


  Rhode Island



  West Virginia

In its comment on the study, ValuePenguin said, “Our study revealed that complete bans on handheld cellphone use, on average, had a particularly strong correlation with fewer distracted driving deaths. In the 16 states and the District of Columbia, which completely ban handheld devices while driving, the distracted driving fatality rate was 44% lower than in states with no legislation or partial bans on using handheld devices while driving.”

Here are the statistics on that statement:

  States with a full ban — 0.98 deaths per 10 billion miles driven

  The national average — 1.49 deaths per 10 billion miles driven

  States with no restrictions or partial bans — 1.75 deaths per 10 billion miles driven


The top 10

1. Tennessee — 7.20 deaths per 10 billion miles driven

  No handheld ban

  Complete ban for novice drivers

  Complete ban on texting

2. Delaware — 3.28 deaths per 10 billion miles driven

  Complete ban on handheld

  Complete ban for novice drivers

  Complete texting ban

3. Wyoming — 3.22 deaths per 10 billion miles driven

  No handheld ban

  No ban for novice drivers

  Complete texting ban

4. Texas — 3.00 deaths per 10 billion miles driven

  No handheld ban

  Complete ban for novice drivers

  Complete ban on texting

5. Montana — 2.91 deaths per 10 billion miles driven

  No ban on handheld

  No ban for novice drivers

  No texting ban

6. North Dakota — 2.74 deaths per 10 billion miles driven

  No handheld ban

  Complete ban on novice drivers

  Complete texting ban

7. Colorado — 2.62 deaths per 10 billion miles driven

  No ban on handheld

  Complete ban for novice drivers

  Complete texting ban

8. Iowa — 2.60 deaths per 10 billion miles driven

  No ban on handheld

  Complete ban for novice drivers

  Complete texting ban

9. Maine — 2.25 deaths per 10 billion miles driven

  No handheld ban

  Complete ban on novice drivers

  Complete texting ban

10. Illinois — 2.17 deaths per 10 billion miles driven

  Complete ban on handheld

  Complete ban on novice drivers

  Complete texting ban


PIA Western Alliance States

5. Montana — 2.91 deaths per 10 billion miles driven

  No ban on handheld

  No ban for novice drivers

  No texting ban

12. Arizona — 1.97 deaths per 10 billion miles driven

  No handheld ban

  No ban on novice drivers

  Partial texting ban

14. Alaska — 1.90 deaths per 10 billion miles driven

  No ban on handheld

  No ban on novice drivers

  Complete texting ban

24. Idaho — 1.36 deaths per 10 billion miles driven

  No handheld ban

  No novice driver ban

  Complete texting ban

28. New Mexico — 1.20 deaths per 10 billion miles driven

  No ban on handheld

  Complete ban on novice drivers

  Complete texting ban

33. California — 1.03 deaths per 10 billion miles driven

  Compete ban on handheld

  Partial novice driver ban

  Complete texting ban

36. Washington — 0.93 deaths per 10 billion miles driven

  Complete handheld ban

  Complete ban for novice drivers

  Complete texting ban

41. Oregon — 0.64 deaths per 10 billion miles driven

  Complete handheld ban

  Complete ban on novice drivers

  Complete texting ban

49. Nevada — 0.25 deaths per 10 billion miles driven

  Complete ban on handheld

  No ban on novice drivers

  Complete texting ban

The National Safety Council (NSC) might dispute ValuePenguin’s take that only 1,400 people died because of distracted drivers from 2015 and 2017. The NSC said 40,000 people lost their lives in car crashes in 2018 alone and it believes a huge percentage of that number was caused by distracted driving.

The biggest source of that distracted driving — says the Risk Institute at the Ohio State University Fisher College of Business — is the smartphone. To prove that, the institute checked in with 386 respondents who drive at least three-times a week. The researchers asked, “How likely are you use to your phone while driving…”

In parking lots

  Overall — 43.5%

  Men — 40.8%

  Women — 46.1%

  Never — 7.3%

During the day

  Overall — 28.4%

  Men — 27.6%

  Women — 29.1%

  Never — 11.4%

On empty streets

  Overall — 26.7%

  Men — 26.5%

  Women — 27.0%

  Never — 12.7%

While bored

  Overall — 22.1%

  Men — 24.5%

  Women — 19.7%

  Never — 26.4%

In traffic

  Overall — 19.7%

  Men — 21.7%

  Women — 17.8%

  Never — 27.5%

On residential streets

  Overall — 19.3%

  Men — 20.1%

  Women — 18.5%

  Never — 19.9%

At night

  Overall — 18.4%

  Men — 20.7%

  Women — 16.1%

  Never — 21.5%

On the highway

  Overall — 13.1%

  Men — 15.5%

  Women — 10.7%

  Never — 37.3%

In the rain

  Overall — 12.2%

  Men — 14.2%

  Women — 10.3%

  Never — 35.0%

In the snow

  Overall — 7.5%

  Men — 9.4%

  Women — 5.7%

  Never — 55.7%

Source links: ValuePenguin, PropertyCasualty360.com

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Employers & Employees — Overtime & Pay Disclosure

Posted By Administration, Tuesday, March 12, 2019

Last week the federal government talked employers and employees. The U.S. Department of Labor has — at long last — issued the new overtime rules. As it stands today, salaried workers automatically get overtime pay only when they earn less than $23,660 a year. That dollar amount was set 15-years ago in 2004.

Last week the department raised the threshold to $35,308.

The new department proposal is far different from the requirements set by the Obama administration and ultimately rejected by a federal judge. The former president’s labor department nearly doubled the current figure to $47,000 in 2016.

That extended mandatory overtime to close to four million Americans. Obama also wanted that figure upped every three years. Business groups and Republicans from 21 states were appalled and said it put some managers considered exempt into overtime. 

They appealed and won.

Labor Secretary Alexander Acosta said this will “bring common sense, consistency, and higher wages to working Americans.” The proposal is now open to the public for comment.

Another rule involving employers and employees issued by the Equal Employment Opportunity Commission (EEOC) got some attention last week. It says companies with 100 or more employees will now have to report how much they pay their workers.

That data must contain how much workers are paid by:




Those disclosures were supposed to go into effect in the summer of 2016 but when President Trump took office, the Office of Management and Budget (OMB) ordered the requirements frozen.

Lawsuits followed and last week Judge Tanya Chutkan said the government did not have justification for the decision. The deadline for compliance is May 31st of this year. That is — unless — the OMB appeals.

It’s unclear how companies will feel about the decision since many are attempting to show how their pay is totally fair and income is based on the job and nothing else. 

One of the groups that filed suit was the National Women’s Law Center. Its VP for education and workplace justice Emily Martin said, “This is part of a real cultural shift we’re seeing around transparency in pay. In order to have equal and fair pay, employees need more information about their employers’ pay policies. So this is one step, but it’s not the last step.”

The submission of demographic data is already and EEOC requirement. The new requirements will be much more detailed and contain how people are paid in 12 different pay ranges and who — exactly — is being paid within those ranges.

The current reporting tool is one page. The new form is 10 and that — says Michael Eastman of the Center for Workplace Compliance — is where the rub comes into play. “It’s kind of in the weeds, really technical detailed stuff, and that’s where the burden comes in,” he said.

The U.S. Chamber of Commerce estimates the expanded reporting will cost business somewhere close to $400 million each year. The EEOC disagrees and says it’s actually something like $53 million.

Martin said the Chamber’s complaint doesn’t have much of a foundation. “This is not some radical new calculation that they are being asked to do,” she said. “They are being asked to submit the data they already collect.”

Source links: Reuters, Insurance Journal

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Medicare for All — The Debate has Begun

Posted By Administration, Tuesday, March 12, 2019

A newer and younger Congress is being quite aggressive. Two of the newest new deals in Congress are quite creative. One is the New Green Deal. It’s an ambitious American economic course-correction from New York headline-maker Rep. Alexandria Ocasio-Cortez and Massachusetts Democrat Sen. Ed Markey.

Another is the 120-page Medicare for All Act of 2019. Its author is Washington Democrat Rep. Pramila Jayapal. She has 106 co-sponsors. That’s a lot. One person not on board is Rep. Cheri Bustos of Illinois.

She chairs the Democratic Congressional Campaign Committee (DCC). Translation — she’s the head of House campaigning and is charged with keep a Democrat majority in the House.

Last week Bustos dumped a heap of cold water on the very hot Medicare for all plan. Looming large in the sizzle of steam is a price tag of $33 trillion over 10-years.

That’s scary — she says — very, very scary.

“What do we have — 130 million-something Americans who get their health insurance through their work? The transition from what we have now to Medicare for all, it’s just hard to conceive how that would work. You have so many jobs attached to the health care industry,” she said. “I think the $33 trillion price tag for Medicare for all is a little scary.”

Those in favor of the concept — like Sen. Bernie Sanders — believe the overall cost will be worth it because it will cut overall healthcare spending and the associated out-of-pocket costs.

In an interview with The Hill, Bustos worried about the cost but is open to the idea of debating the benefits. “The vast majority of Democrats in the U.S. House of Representatives want to see us fix the Affordable Care Act and make it functional so we can protect people with pre-existing conditions and so people have affordable health care,” she said.

Apparently, Bustos has support of non-support from House Speaker Nancy Pelosi. In an interview with Rolling Stone, the Speaker said universal health care can best be brought about by a single-payer system. “That is, administratively, the simplest thing to do, but to convert to it? Thirty trillion dollars. Now, how do you pay for that?” Pelosi said.

Progressives want the House to vote on Medicare for all. And they want a vote this year. Leading the pack is Cortez. In an interview with The Hill, she said, “I would love for it to come to a vote; I think that it should come for a vote. We have an enormous amount of Americans that are excited about the idea and I think we should have the discussion for sure.”

Discussion is one thing. Getting more moderate Democrats onboard is another. Cortez is hoping to convince Pelosi to warm them up. Most of the presidential candidates have endorsed the single-payer system. The progressive candidates — Sen. Kamala Harris, Sen. Cory Booker and Sen. Elizabeth Warren — are all in. Others that are more moderate are — shall we say — interested.

Pelosi is stuck in the middle.

“All I want is the goal of every American having access to health care,” Pelosi said. “You don’t get there by dismantling the Affordable Care Act. So I said, ‘Look, just put them all on the table, and let’s have the discussion, and let people see what it is. But know what it is that you’re talking about,’” Pelosi said.

Stay tuned. This will — as things heat up — no doubt, get interesting.

Source links: The Hill — link 1, link 2

Tags:  Healthcare  Insurance News  Weekly Industry News 

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Deloitte — More Mergers & Acquisitions Coming in 2019

Posted By Administration, Tuesday, March 12, 2019

Deloitte Services says merger and acquisitions will be very high again in 2019. Solid growth in the agencies and low debt levels for insurers are the reason.

“Sustained U.S. economic growth, rising interest rates, and higher investment income are among the positive factors bolstering insurance companies’ results in 2018,” the report said.

Later in the document, Deloitte said, “debt rates are relatively low, available capital remains abundant, and 2018 deal volume and value are supportive of sustained and/or increased deal-making.”

As always, the markets may also be part of the equation.

“One factor likely to be a potential influencer — either positive or negative — is the whipsawing stock market. If falling prices and sell-offs extend far into 2019, they may spur companies with strong balance sheets to scoop up distressed assets or, conversely, ratchet up corporate uncertainty and reduce M&A activity,” the report added. “Of the two possibilities, we anticipate an uptick in M&A, given current industry dynamics.”

The only other negative to increased M&A activity is recession.

For insurers there were 87 transactions last year. That’s a rise of 4% from 84 the year before. The value of the deals — however — was sky high at 189%. It rose to $42.7 billion from $14.8 billion in 2017.

Most of the deals were P&C companies.

Broker transactions hit 594 — up 11% — from 537 in 2017. Value rose 50% to $8.1 billion from $5.4 billion.

The bottom line: Look for a healthy deal market in 2019. Companies are seeking inorganic growth. So deals will fall into five categories:

  Cross border deals

  Middle market matchups

  Portfolio optimization

  Insurtech investments

  Private equity participation

Source link: Business Insurance

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If You Didn’t Know — You Likely Missed National Napping Day

Posted By Administration, Tuesday, March 12, 2019

Naps are important. Apparently not all that important because most of us missed National Nap Day on Monday of this week. Naps — as most of you already know — have all kinds of positives attached to them.

The RAND Corporation did a study on sleep in 2016. Titled Why sleep matters — the economic costs of insufficient sleep, RAND found insufficient sleep by the nation’s workers costs the economy $411 billion per year. It impacts 1.23 million work days during that same period.

Many workers just don’t get enough sleep. RAND’s study says that translates into:

  Struggles to concentrate


  Lowered productivity

  Chronic disease

That leads us to National Napping Day. The so-called holiday is unofficial and is celebrated — if you can call it that — the day after daylight savings time returns. In our case, daylight savings time came upon us last Sunday.

The point is to give all of us a chance to catch up on rest needed from the sleep we missed when the clocks zipped forward an hour.

National Napping Day came about in 1999 when Dr. William Anthony and his wife Camille decided to make up a holiday to celebrate the niceties of napping. And what better day to do it than the day after daylight savings time steals that precious hour from our lives.

Studies — as you know — say a 20-minute to 30-minute nap every day will have a positive effect on your life. You’ll be more alert and cognitive ability improves.

By the way, most mammals nap. Household pets like dogs and cats nap a lot. It almost makes you wonder if they wonder why we don’t join them.

You can almost see the thought bubble from Fido. While you have a meltdown over some technology termination, recalcitrant relative or crisis that causes a crash, Fido, with one eye open on the dog bed, thinks, “You’d be a lot less stressed out if you’d just bag it and join me for a nap. And why is it you’re the only species of mammal that doesn’t nap?”

And that is true. Humans are the only mammal that delays taking naps and here’s why that’s an important statement:

  Naps around 20 or 30 minutes improve short-term alertness

  You can improve your daily performance by 34%

  Another plus, you’re likely one of the 60-million of us that are sleep-deprived

By the way, three naps a week can result in a 37% decrease in the chance you’ll have a heart-related death.

For employers or supervisors, the benefits of employees napping outweigh the few minutes given to an employee to nap. Weekly Industry News Editor Gary Wolcott naps at least three-days a week and sometimes even more often. His naps stretch from 20-minutes to an hour.

He swears those are his most productive days. We tried to get his attention to verify that comment for this story but he was — alas — napping.

And in case you’re planning on taking advantage of next year’s National Nap Day, it will be on Monday March, 9, 2020.

Source link: Holidays Calendar, American Express

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, March 12, 2019

Arizona — Uber Not Criminally Liable for Crash: Yavapai County prosecutors are not going to go after Uber for the March 2018 crash in Tempe that killed a pedestrian. However, it is recommended that the vehicle’s “driver,” Rafaela Vasquez be referred to Tempe’s police department for another look.

He was looking at a TV show when the crash occurred and could end up being prosecuted for vehicular manslaughter.

California — Russian River Flood Information: In the wake of record rains and recent flooding Insurance Commissioner Ricardo Lara dispatched Department of Insurance staff to Sonoma County to assist with recovery efforts. With many Californians not aware that traditional homeowners insurance does not cover flood damage, he urged homeowners to consider purchasing flood insurance.

Department staff are available to answer questions through Saturday, March 9 at the Local Assistance Center in Guerneville or by phone at 800-927-4357 following the winter storms and Russian River flooding that inundated 2,600 homes and businesses and damaged or destroyed many automobiles.

“Climate change is driving more extreme weather events than ever, including floods,” said Insurance Commissioner Ricardo Lara. “We want to make sure people have the coverage they need before the next storm puts their home at risk. Having flood insurance may be the difference between recovering quickly from a catastrophic event or suffering devastating financial losses.”

Flood insurance is available through the Federal Flood Insurance Program and must be in force for 30 days prior to a flood, in most cases.

February was the sixth wettest month on record, and it is not too late for homeowners to assess their risk for flooding and ensure they have the coverage they need to protect their home which is typically a family’s most valuable financial asset.

The department has a number of resources to help consumers with insurance coverage or claim questions. Consumers with questions or needing assistance should call the consumer hotline at 800-927-4357.

Source link: The California Department of Insurance


Idaho — Medicare Workshop to be Offered in Genesee: A free Medicare Workshop for individuals turning 65 and those approaching Medicare eligibility will be held Wednesday, March 13, from 5:15 p.m. to 6:30 p.m. at the Genesee Community Library, 140 E. Walnut, Genesee.  Caregivers and all those interested in learning how Medicare works are encouraged to attend.

The workshop will be led by Senior Health Insurance Benefits Advisors (SHIBA), a unit of the Idaho Department of Insurance.  SHIBA presenters will introduce the various parts of Medicare and explain some of the vocabulary associated with the program. 

Topics to be covered include:

  Timeframes for enrolling in Medicare

  Enrollment periods for Medigap, Medicare Advantage and Prescription Drug Plans

  How the different parts of Medicare work together – and when they don’t

To register for the workshop, please contact the SHIBA Helpline at 1-800-247-4422.


Montana — Tester & Asbestos Ban: Montana Senator Jon Tester and eight other U.S. Senators have sponsored a bill to ban the mining, importation, use and sale of asbestos. A companion bill was introduced in the House. The number of co-sponsors there totals 21.

Experts say this one has a much better chance of success than previous bills.

In his support of the bill, Tester said, “Montanans know all too well the lasting damage of asbestos exposure — just ask folks in Libby and Troy. Banning this harmful substance will protect our families and prevent future suffering and loss of life.”

More than 200 deaths in Troy and Libby have been linked to asbestos.

He’s joined by Oregon Senator Jeff Merkley who added, “It's outrageous that in the year 2019 asbestos is still allowed in the United States. While the EPA fiddles, Americans are dying.”

While asbestos is illegal in 60-some countries, it is still legal in the U.S.

Source link: Independent Record


Oregon — Prescription Transparency: The Department of Consumer and Business Services is ready to hear about prescription drug price increases from consumers, health insurance companies, and drug manufacturers.

The Prescription Drug Price Transparency Act (HB 4005), from the 2018 Legislative Session, established Oregon’s drug price transparency program. The new law requires prescription drug manufacturers and health insurance companies to report specific drug price increases to the department’s Division of Financial Regulation.

The program staff are ready to hear from consumers as well.

All Oregonians are encouraged to report an increase in the cost of their prescription drugs to the division one of three ways:

Email rx.prices@oregon.gov

Call 888-877-4894 (toll free)

Visit dfr.oregon.gov/drugtransparency (online reporting form available later this month)

We are excited to bring one of the nation’s first prescription drug price transparency programs to Oregonians,” said Andrew Stolfi, insurance commissioner. “It will help people better understand why drug prices increase, and help legislators make informed decisions on how to control rising costs.”

Consumer reports and the pricing of new prescription drugs will be made available as soon as information is received and reviewed. Insurer and drug manufacturer price increase reports will be available later this fall.

The division will provide annual reports to Oregon State Legislature based on the information provided by consumers, and the data reported by health insurers and prescription drug manufacturers.

This program is designed to report drug price increases only. If a consumer has a problem with their health insurance or prescription drug coverage they should contact our consumer advocates at 888-877-4894 (toll-free). To learn more about Oregon’s Prescription Drug Price Transparency Program, visit dfr.oregon.gov/drugtransparency.


Washington — From the Department of Insurance: Surprise billing occurs when you're treated for an emergency or scheduled procedure at an in-network hospital or surgery facility and are seen by an out-of-network provider. In addition to your expected out-of-pocket costs, you also get a bill for the difference between what your insurer has agreed to pay that provider and what they believe the service was worth.

Some types of providers, including anesthesiologists, radiologists, pathologists, and labs may not be contracted with your insurer even though they provide services at an in-network hospital or facility. This practice is also called “balance billing,” however, some balance billing is not a surprise. For example, if you're treated by a provider that you know is not in your plan's network, you shouldn't be surprised to receive a bill for their services, on top of what your plan covers.

Kreidler's proposed legislation - 2SHB 1065/SB 5031 (www.leg.wa.gov) passes the House of Representatives

Commissioner Mike Kreidler has proposed legislation that would prevent people from getting a surprise medical bill when they seek medical services from an in-network facility, but are treated by an out-of-network provider. If an insurer and provider cannot agree on a price for the covered services, they can go to binding arbitration but cannot bill the consumer for the amount in dispute.

His bill passed the House on March 4 with a strong bipartisan vote of 84-13. It's now in the Senate and must be voted out of the Senate Health and Long Term Care Committee by April 3.

Tell us about your surprise bill

If you or someone you know has received a surprise bill, we’d like to hear from you. Email us your story. We may also follow-up with you to see if you'd like to file a complaint about your surprise billing issue.

See what happened to Jamie Hansen of La Center, WA when she sought emergency care for her son, Ryan.

Source link: Washington Department of Insurance

Tags:  Around the PIA Western Alliance States  Insurance Industry  Insurance News  Weekly Industry News 

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Posted By Staff reporter, Tuesday, March 5, 2019


Fact #1

Write just a few Market Access policies in a year and it will pay for your PIA membership.


Fact #2

PIA's Market Access Program is available in all 50 states.


Fact #3

PIA members enjoy lower monthly fees while benefiting from 2% more in commissions than going direct.


Fact #4

Personal and commercial lines markets from a number of admitted “A” or better-rated companies.


Fact #5

Receive quotes from many of these companies through technologically advanced personal and commercial lines rater. 



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Have you booked your room for Salishan?

Posted By Staff reporter, Tuesday, March 5, 2019


Or call Salishan direct at 800-452-2300 between 8 am and 6 pm. Tell them you are part of the PIA Conference to receive the conference rate that begins at $159 per night plus tax and reduced resort fee.

Room block is available until Friday, April 12, 2019


Salishan Resort | 7760 North Highway 101 | Gleneden Beach,Oregon 97388

Tags:  PIA Oregon Idaho Conference and Tradeshow 2019 

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