Understanding the High Costs of Smoking

Understanding the High Costs of Smoking

Smoking Cessation - The High Costs of Smoking

Smoking Cessation - The High Costs of Smoking

Smoking Cessation - The Latest Sensation in Employee Wellness Programs

Smoking Cessation - The Latest Sensation in Employee Wellness Programs

Understanding Non-Adherence to Medication

Understanding Non-Adherence to Medication

Understanding the High Costs of Smoking

Understanding the High Costs of Smoking

Preventing Childhood Obesity

Preventing Childhood Obesity

Understanding Obesity

Understanding Obesity

Prevent A Dangerous Sports Injury

Prevent A Dangerous Sports Injury

Tips For Exercising With An Injury

Tips For Exercising With An Injury

Understanding Age-Related Macular Degeneration

Understanding Age-Related Macular Degeneration

Symptom Progression Of Age-Related Macular Degeneration

Symptom Progression Of Age-Related Macular Degeneration

Treatments For Age-Related Macular Degeneration

Treatments For Age-Related Macular Degeneration

What To Expect At A Comprehensive Eye Exam

What To Expect At A Comprehensive Eye Exam

Risk Factors & Prevention For Age-Related Macular Degeneration

Risk Factors & Prevention For Age-Related Macular Degeneration

New Age-Related Macular Degeneration Research

New Age-Related Macular Degeneration Research

The Harmful Effects Of Over Testing

The Harmful Effects Of Over Testing

The Cosmetic Benefits of Toxin Treatments

The Cosmetic Benefits of Toxin Treatments

Simple Stress Reduction Techniques

Simple Stress Reduction Techniques

Get Help For Seasonal Affective Disorder

Get Help For Seasonal Affective Disorder

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National Association of Health Underwriters

National Association of Health Underwriters

www.nahu.org  

703-276-0220

The National Association of Health Underwriters represents more than 100,000 licensed health insurance agents, brokers, consultants and benefit professionals through more than 200 chapters across America. NAHU members service the health insurance needs of large and small employers as well as people seeking individual health insurance coverage. Every day, NAHU members work to obtain insurance for clients who are struggling to balance their desire to purchase high-quality and comprehensive health coverage with the reality of rapidly escalating medical care costs. As such, one of NAHU's primary goals is to do everything we can to promote access to affordable health insurance coverage.


NAHU members help millions of consumers by guiding them through the complexities of health insurance purchasing and enrollment, while ensuring they get the best policy at the most affordable price. We seek to understand each personal situation to create recommendations that complement a client's financial and medical security needs. And our job does not end with the sale. Our licensed producers help their clients with claims issues, service questions and compliance matters throughout the life of each policy they sell.


The clients of NAHU members range from Fortune 500 companies to mom-and-pop businesses and individuals seeking health insurance. Our members have a unique understanding of consumer health care needs, the perspective of business owners and the economic realties of health insurance markets. We not only sell traditional health insurance products, but also coverage such as dental, long-term care, disability, Medicare Advantage and Medicare Supplements and a variety of consumer-driven products. Members agree to abide by NAHU's Code of Ethics, which requires them to always make health care coverage recommendations with the customer's best interest in mind.


NAHU offers its members a multitude of educational opportunities, including advanced designation programs, continuing-education classes and online learning. NAHU provides its members with professional conferences and networking functions, publications and business-development tools. We also conduct advocacy efforts at the state and federal levels of government to advance the interests of health insurance professionals and to promote affordable and responsible private health insurance market solutions.

Smoking Cessation - The High Costs of Smoking

In this video, health benefit professional Tom Harte discusses the high cost of smoking. Each year, nearly 500,000 Americans die from cigarette smoking causes – that’s about one out of every five deaths. Nationally, the annual smoking‐attributable health care expenditure runs about $96 billion per year. Preventing the onset of life-style diseases like smoking is imperative to reining in the high cost of health care.

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Transcripts

Tom Harte: Hi! I am Tom Harte, Board Member of the National Association Of Health Underwriters and President of Landmark Benefits. Today I am discussing the high cost of smoking. Each year, nearly 500,000 Americans die from cigarette smoking causes. That's about one out of every 5 deaths. Tobacco usage is responsible for more deaths than HIV, illegal drug use, alcohol use, motor vehicle injuries, suicides and murders combined. Smoking places a tremendous economic burden on the entire community. Not only just the cost of smoking burn through an individual's income, but it's a huge drain on our nation's pocket book. Nationally, the annual smoking attributable, healthcare expenditures run about 96 billion dollars per year. Though the hazards of smoking have been highly publicized for years, unfortunately one out of four people in every workplace still smokes, and this doesn't just leave to personal suffering and hardship, there is a direct correlation between the rising cost of health insurance premiums and our health. A single smoking employee can cause his or her employer over $12000 a year in added medical cost, additional disability pay, excess absenteeism, lost productivity and other costs. Preventable healthcare costs are raising more than 10% annually and represent one of the largest drains on businesses. If we don't tackle the root cause, a preventable chronic disease, business and individuals will continued to be burdened by rising healthcare cost. The new health reform law, The Patient Protection and Affordable Care Act will allow companies beginning in 2014 to charge smokers upto 50% higher premium rates than non smokers. 47% of merely 600 large US employers surveyed by Hewitt Associates revealed that they already use or plan to use financial penalties over the next 5 years from employees who engage in non-healthy behaviors, such as smoking. As you can see, the cost of smoking is simply too high in the country. Preventing the onset of lifestyle related diseases, like smoking, is imperative to reigning in these high cost.

What are non-cigarette products and are they addictive?

What are non-cigarette products and are they addictive?

Open a Beer Bottle Using a Cigarette Lighter

Open a Beer Bottle Using a Cigarette Lighter

Why is it so hard to quit smoking?

Why is it so hard to quit smoking?

What makes tobacco and smoking so harmful?

What makes tobacco and smoking so harmful?

What type of tobacco is the safest to smoke?

What type of tobacco is the safest to smoke?

What are the medications that help you quit smoking?

What are the medications that help you quit smoking?

What is second hand smoke & third hand smoke?

What is second hand smoke & third hand smoke?

Is it dangerous to smoke around children?

Is it dangerous to smoke around children?

What are the smoking risks for pregnant women and their unborn babies?

What are the smoking risks for pregnant women and their unborn babies?

What if my family and friends smoke?

What if my family and friends smoke?