Keyes Insurance Services Client Newsletter

Dear Client,


PPACA continues to be the hot topic in Washington as the 2012 Legislative session continues.  We are awaiting the highly anticipated Supreme Court ruling on the constitutionality of the health care reform laws.  The Supreme Court is expected to start hearing the case the later part of March with an expected ruling early June.  Their decision is very important as it can change the entire forecast on how the new health care reform laws unfold.


Several other important insurance related topics are being discussed this week in Washington including, Medicare reimbursements to providers, payroll tax cuts, long term care, and unemployment benefits.  We will continue to keep you informed as these items are finalized.


In this months newsletter we have included a few topics from the National level as well as some exciting new programs and changes here in Utah.


If you have any questions or would like any additional information regarding any of the topics in this months newsletter, please let us know.


Keyes Insurance





New compliance date set for SBC Requirements Supreme Court Building

Under the new rules published February 13th by the Departments of Health and Human Services, Labor and Treasury, health insurers must provide consumers with clear, consistent and comparable summary information about their health plan benefits and coverage. The new explanations, which should be available beginning, or soon after, September 23, 2012.

Specifically, these rules will ensure consumers have access to two key documents that will help them understand and evaluate their health insurance choices:

A short, easy-to-understand Summary of Benefits and Coverage ( or "SBC"); and

A uniform glossary of terms commonly used in health insurance coverage, such as "deductible" and "co-payment."

All health plans and insurers will provide an SBC to shoppers and enrollees at important points in the enrollment process, such as upon application and at renewal.

These rules finalize the proposed rules issued in August 2011.


For more information on the rules announced today, visit:



SelectHealth Makes Utah OB/GYN Ratings Available to the Public 

Utahns can now find out how well their Obstetrician (OB) or Certified Nurse-Midwife (CNM) performed on a clinical quality survey. SelectHealth recently published new quality and satisfaction ratings for 53 Utah OB and CNM clinics, comprising nearly 200 Utah obstetricians and certified nurse-midwives. The ratings are available to the public at

The newly enhanced site takes a different approach to provider ratings. Rather than basing scores on subjective information such as user comments or star ratings, SelectHealth publishes standardized, quantifiable data on both clinical quality and patient satisfaction.
Patient satisfaction ratings are calculated from an annual member survey, measuring the patient's experience with the provider, nurses, and reception staff. Patients also rate the ease of scheduling an appointment, office wait time, and facility cleanliness."These ratings help Utahns make informed decisions when choosing a provider," said SelectHealth Chief Medical Officer Stephen Barlow, MD. "The data also helps providers, who can now see both their strengths and areas where they can improve."
To maintain the validity of data, clinics must have 30 or more completed surveys for their results to appear on the website.
In addition to women's health information, SelectHealth also publishes ratings for high-volume family medicine, internal medicine, and pediatric clinics.  
February 2012 - Vol 7
In This Issue
Updated SBC effective date
Provider Rating System
Have you heard about cHIE? cHIE
The Utah Health Information Network (UHIN) has initiated the Clinical Health Information Exchange (cHIE) to improve the quality of health care in Utah and to give patients more control over their health information. The cHIE provides authorized medical professionals a way to share and view patient information in a secure electronic manner.
 Click here for more information!

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 If you think your auto insurance policy is complex, you're not alone. Confusing or not, it's worth taking the time to fully understand how the  your coverage is going to work when you need it.  In this issue we will go over the basic liability portion of the auto policy.


Liability - This coverage covers the other party involved in the accident if you are at fault.  The state of Utah requires you to carry 25/65.  The first number is the amount that would be covered per person.  The second number is the amount covered per occurrence.  For instance you are at fault in an accident and there are three people injured in the other vehicle.  If you had the state required limits your insurance would pay up to $25,000 per person injured and/or up to $65,000 per occurrence.  So the most your insurance would cover would be $65,000.  You can increase these coverage's to make sure you have enough coverage to cover you and your assets if you are at fault.  We encourage higher limits on most policies


Personal Property - This is the coverage that covers the other person's property that is damage in accident that you are at fault in. 


Underinsured - This is coverage you have on your policy that comes into play when your involved in an accident that is not your fault but the at fault drivers insurance has maxed out.


Uninsured - This coverage is used when you are involved in an accident but the at fault drive does not have insurance.


Underinsured and Uninsured is not required by law to have on your policy but with minimal cost. 


PIP - (personal injury protection) PIP is sometimes referred to as "no fault" coverage.  PIP is designed to be paid without regard to "fault," or more properly, legal liability.


These are the basic liability portions of your auto policy.  In next month issue we will discuss the optional coverage's that you may add on to your auto policy.