Welcome GCNYAHU & NENYAHU Troy Oechsner, NYS Deputy Superintendent of Insurance for Health Troy Oechsner, NYS Deputy Superintendent of Insurance for Health Adam Brackemyre, NAHU Adam Brackemyre, NAHU Jim, DuCharme, CFO, Harvard Pilgrim Jim, DuCharme, CFO, Harvard Pilgrim March 24, 2010

Upcoming Events NYSAHU Day on the Hill Governor Nelson A. Rockefeller Empire State Plaza in Albany More details to follow! Keep an eye on your

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If not now, WHEN??? Why join??? Because you cant afford not to Join today at Education, Legislative Initiatives, Social Networking and Fun!

NENYAHU & GCNYAHU Members with 10+ years Membership! Mr. Gordon N Zuckerman, CLU ChFC Murray & Zuckerman, Inc. 17 Years Andrew Marshall Falcone Associates, Inc. 17 Years Daniel Colacino Rose and Kiernan, Inc. 13 Years Frederick L Wortman, CLU,RHU,ChFC Security Mutual Life Insurance Co. 16 Years Mr. S. Larry Feldman, CLU CFK LIFE Plans, Inc. 16 Years Phil Alban Capital Bauer Ins. Agency, Inc. 11 Years Ms. Karen R. Papa Emblem Health 14 Years DianaLou Wolff, FLMI, RHU, ACS, REBC Benefit Counseling Associates 10 Years Kevin Johnson N.Y. Long Term Care Brokers, LTD 14 years

Our Reports from Capitol Conference Thank you Peter Andrew, Council of Community Services, for keeping us up-to-date on all the activity!

NENYAHU 2009/2010 Board of Directors Laura Wander – President Laura Wander – President Peter Andrew – President-Elect Peter Andrew – President-Elect Amy Grabeck – Treasurer Amy Grabeck – Treasurer Sharon Furbert – Secretary Sharon Furbert – Secretary Gordon Zuckerman – Legislative Chair Gordon Zuckerman – Legislative Chair Kate Koval – Events Kate Koval – Events Barbara Wagner – Media Barbara Wagner – Media Bonnie Joslin – Past-President Bonnie Joslin – Past-President

NAHU 19 TH Annual National Convention June 2009 in NYC And the winners are – NYSAHU!!!

Chad Bommer, President Chad Bommer, President Kishan Perera, President Elect Kishan Perera, President Elect Kristin Mohat, Secretary Kristin Mohat, Secretary Deb Crouch, Treasurer Deb Crouch, Treasurer Rock Schneider, Membership Rock Schneider, Membership Jack Rockwell, Membership Retention Jack Rockwell, Membership Retention Chris Koetzle, Legislation Chris Koetzle, Legislation Maureen Pelose, Co-Chair Legislation Maureen Pelose, Co-Chair Legislation Frank Basile, Media Frank Basile, Media Brandon Palumbo, Awards Brandon Palumbo, Awards Renee Guariglia, Immediate Past President Renee Guariglia, Immediate Past President Ross Kraft, Past President Ross Kraft, Past President Andrew Biernat, Past President Andrew Biernat, Past President GCNYAHU 2009/2010 Board of Directors

GCNYAHU

NAHU Code of Ethics To hold the selling, service and administration of health insurance and related products and services as a professional and public trust and do all in my power to maintain its prestige. To hold the selling, service and administration of health insurance and related products and services as a professional and public trust and do all in my power to maintain its prestige. To keep paramount the needs of those whom I serve. To keep paramount the needs of those whom I serve. To respect my clients' trust in me, and to never do anything which would betray their trust or confidence. To respect my clients' trust in me, and to never do anything which would betray their trust or confidence. To give all service possible when service is needed. To give all service possible when service is needed. To present policies factually and accurately, providing all information necessary for the issuance of sound insurance coverage to the public I serve. To present policies factually and accurately, providing all information necessary for the issuance of sound insurance coverage to the public I serve. To use no advertising which I know may be false or misleading. To use no advertising which I know may be false or misleading. To consider the sale, service and administration of health insurance and related products and services as a career, to know and abide by the laws of any jurisdiction Federal and State in which I practice and seek constantly to increase my knowledge and improve my ability to meet the needs of my clients. To consider the sale, service and administration of health insurance and related products and services as a career, to know and abide by the laws of any jurisdiction Federal and State in which I practice and seek constantly to increase my knowledge and improve my ability to meet the needs of my clients. To be fair and just to my competitors, and to engage in no practices which may reflect unfavorably on myself or my industry. To be fair and just to my competitors, and to engage in no practices which may reflect unfavorably on myself or my industry. To treat prospects, clients and companies fairly by submitting applications which reveal all available information pertinent to underwriting a policy. To treat prospects, clients and companies fairly by submitting applications which reveal all available information pertinent to underwriting a policy. To extend honest and professional conduct to my clients, associates, fellow agents and brokers, and the company or companies whose products I represent. To extend honest and professional conduct to my clients, associates, fellow agents and brokers, and the company or companies whose products I represent.

Legislative/Regulatory Concerns of 2009/2010 Preserve broker's role in obtaining health insurance plans Opposed the single-payer system Supported legislative amendments to allow health insurance brokers to provide certain administrative services to clients without violating the "anti-rebating law" Participated in stakeholder work groups set up by the NYS Insurance Department to discuss proposed NYS Insurance Department's Proposed Regulation 194 Opposed any additional taxes or assessments in the State Budget for Fought a Governor's Program Bill requiring governmental price controls, like prior approval of health insurance premium rates and minimum loss ratios of 85%. Supported regulation of medical card discount plans by establishing licensing standards & preventing deceptive consumer marketing practices. Provided testimony to the NYS Insurance Department in support of limited benefits health plans, Supported modified community rating for the small group and individual markets. Supported the review of mandated health insurance benefits by some form of cost- benefit analysis. Continued to oppose the Compact for Long Term Care Supported wellness discounts for lifestyle changes and disease management legislation Supported premium subsidies for Child Health Plus coverage.

NYSAHU Board of Directors 2009/2010 Ross Kraft – President Ross Kraft – President Andy Biernat – President-Elect Andy Biernat – President-Elect Barbara Wagner – Treasurer Barbara Wagner – Treasurer Bonnie Joslin – Secretary Bonnie Joslin – Secretary Daniel Colacino – Past President Daniel Colacino – Past President Chad Bommer – GCNYAHU President Chad Bommer – GCNYAHU President Laura Wander – NENYAHU President Laura Wander – NENYAHU President Jamie Schutzer – Metro NYAHU President Jamie Schutzer – Metro NYAHU President Thomas Flynn – Western NYAHU President Thomas Flynn – Western NYAHU President Kate Koval – Education Chair Kate Koval – Education Chair Deb Crouch – Media Co-Chair Deb Crouch – Media Co-Chair Renee Guariglia – Media Co-Chair Renee Guariglia – Media Co-Chair Michele Gasparre – Membership Co-Chair Michele Gasparre – Membership Co-Chair Michele Gentile – Membership Co-Chair Michele Gentile – Membership Co-Chair

Thank you! To all of our dedicated members! We appreciate your participation. If you are interested in volunteer opportunities for 2010, please see any GCNYAHU or NENYAHU Board Member.

NENYAHU

NYSAHU Earns Silver Seal Certification!