March / April 2017

Northlander Notes

President's Message
by Mark McLane, President

Now, that most of us survived ACA Open Enrollment, you may ask yourself "what's next"? With all the uncertainties with the future of the Affordable Care Act and the healthcare system, one thing remains the same, that NAHU will continue making sure that agents have a place in helping consumers choose a health plan that best fits their needs.  This is why your membership and your support are so vital in keeping NAHU a strong association with a voice in Washington DC.     

Capitol Conference took place from February 13-15 in our Nation's Capital.   Both Tim Bruce and Keith Wright were in attendance at this annual event.  On March 2 nd, Cathy Cooper with MAHU will be coming to Traverse City to give us a summary of what took place there along with what is forthcoming.  This will be a well-attended general membership meeting, therefore, don't delay in sending your RSVP.

On March 7, MAHU will be hosting a Professional Development Day in Lansing with CE credits, if you would like to attend, NMAHU can cover hotel costs, contact me for details.  The following day, March 8 th, there will be a Legislative breakfast with visits with our State Legislators to follow.  Please consider attending this event.

There will be many other events to follow as the year progresses.  Look for notices for upcoming announcements.  Please reach out to me or any other Board member if you have any questions about your Association.  Thank you for your support!
Best Wishes!
Mark McLane, LUTCF, RHU
President  NMAHU

Member Programs
by Brandon Darin, Programming Chair

Next Meeting - March 3rd, 2017

It is my hope you all join us for a "Lunch and Learn with Cathy Cooper" March 2 nd  from 11:30 am - 1 pm at the Elks Club in Traverse City. This will  be a great opportunity for you to come and learn of new developments happening in government at the Federal and State levels and how they could impact your business. The cost is $15 for members and $35 for non-members (price is waived if you become NMAHU member). Please RSVP to .
If you have any questions or ideas for programming, please do not hesitate to contact me at
by Dan Marvin, Membership Chair

Hello Members!!

Tell a friend about NAHU / NMAHU!   Bring a fellow coworker to a meeting, get
them involved in our organization!   Our industry changes daily; if you're not  keeping abreast of these changes, you'll get  left behind. NMAHU is your single source  for the highest quality professional  development. You will have access to  NAHU's frequent professional  development webinars and in person  seminars presenting in-depth information  about cutting-edge topics and issues.


For more information, visit

by Keith Wright, NMAHU HUPAC Chair,  MAHU Treasurer

Capitol Conference was the most attended in the history of NAHU. 1000 plus a few. All 40 members in attendance from Michigan were HUPAC contributors! That's outstanding ! Our contributions help get us in front of our elected officials at critical times. 95% of candidates we funded won their race in the fall. Thank you to all our members that participate in the 12x12 program or higher. You can too for only 40 cents per day. If you would like to know more about how HUPAC works or to begin your contributions, give me a call.   

Legislative Update
by Tim Bruce, Legislative Chair

Keith and I met with lots of lawmakers in Washington DC last week at the Capitol Conference. They were very optimistic meetings. Democrats and Republicans are on the same page. We met with Gary Peter's office and were pleasantly surprised at how they want to work with us!

Learn more about what is happening with healthcare reform from this update.

Senior Markets

Long Term Care - What is the COST?  
By Jennifer McDonnell, Senior Insurance Chair
What are Long Term Care facilities costing these days?

First, I would like to thank NAHU for publishing the "NAHU Long Term Care Guide". This guide is an excellent reference that you can use when explaining Long Term Care to clients. Go to:

Most Long Term Care facilities are either or both:
In addition, prior to residing in a long term care facility, some elect to choose one of the following:
  • Home Health Care (Homemaker Services, Home Health Aide)
  • Adult Day Health Care
  • Assisted Living Facility
In the NAHU guide, they point you to a report put out by Genworth as to the cost of long term care benefits.  See this link:

Another excellent link is

Also AARP has created an easy to use calculator:

Northwestern Insurance also has a calculator:

Mutual of Omaha also has a cost of care study but it's published as a pdf document. This document was published in 2015:

Also, seems many think Long Term Care is FREE as they hope to have Medicaid pay for it. That will be a nice discussion in a future article.  Nothing is free!

Some Long Term Care insurance will pay benefits only for those residing in a long term care facility however some policies will also cover home health care, adult day health care, and assisting living facilities.
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