WIXLIB

ETAHU ReviewA Monthly Publication of the Award WinningEast Texas Association of Health UnderwritersBe Connected. Be Heard. Be Informed.May 2020Some Funnies for You!June 19, 2020Symposium—We hope!See page 10 for the agenda!InInThisThisIssueIssue2345President’s ReportCalendar of EventsMay SpeakersWebsite Sponsor—The InsuranceExchange6Fear of Health Care Costs7Primary Care Enhancement Act8Employers & Financial Wellness9Medicare Compliance Requirements10 Symposium Agenda11-13 Quarantine Co-Workers14Control Your Anger15Learn Something New Daily16Happy ETAHU Anniversary17 TAHUPac Contribution Form18-19 Be A Sponsor20 ETAHU Board 2019-2020

2019-2020 ETAHUBe Connected. Be Heard. Be Informed.ETAHU President’s ReportMay 2020Well gang—here we are to the middle of May—some are back at work and some arestill sheltering in place. Some restrictions have lifted and others have not at thetime I am writing this.With that in mind we have decided to not have the May meeting. Danny and JuneKoch will present at the July meeting.We are going on with the Symposium for June and hopefully we will be able to havethat and should know for sure by June 1st. Be sure to register for this event—weshould all be ready to get out of confinement by then!On Wednesday, April 29th with help from Flexible Concepts we had a one hour CEentitled the ABCD’s of Medicare. We had 27 register and 23 attended. On May 6thwe offered another CE Webinar with Met Life for 2 hours of CE credit. I will continue to look for more on-line CE webinars so that everyone can get the credits theyneed.With Appreciation,Cynthia Swanson, SGS, BAMETAHU Chapter President; 2019-2020“What lies behind you and what lies in front of you, pales in comparison to what lies inside of you” Ralph Waldo EmersonPage 2ETAHU Review: May 2020

ETAHUCALENDAR OF EVENTS 2020May 2020May 6, 2020May 15, 2020Webinar by Met Life—2 hour DentalETAHU —Cancelled due to COVID-19June 2020June 19, 2020ETAHU Board Meeting — TBDETAHU —7:30 to 3:30—SymposiumLocation — Studio Movie GrillSee page 10 For detailsJune 27—30NAHU Convention— Will be Virtual—more details to comeJuly 17, 2020ETAHU Board Meeting — 10:15—11:15ETAHU —11:30 -1:00Location — Hollytree Country ClubSpeaker: Danny & June KochSubject: The Opioid Crisis including HeroinNo CEAugust 21, 2020ETAHU Board Meeting — 10:15—11:15ETAHU —11:30 -1:00Location — Hollytree Country ClubSpeaker: TBDSubject: TBDFinancial reports are available for review, contact the Association TreasurerPage 3ETAHU Review: May 2020

.Matt Hall entered the Employee Benefits space in 2014 on the carrierside. In 2016, Matt joined a brokerage team where he was a WorksiteBenefits Specialist tasked with growing the company’s book of businessthrough Voluntary Benefit Programs often consulting with partner firmsthroughout the country. Matt moved to Texas in January 2020 to coverEast Texas for MetLife. Matt now lives in Frisco with his wife and 2young children.Greg Coleman is a Dental and Vision Product Director working withMetLife. In this role, Greg provides dental and vision product consultation to the group sales force. He is also responsible for working with finance, marketing, service, underwriting and the product developmentteams to promote strategies to increase quote volume, close ratio and persistency. Greg has more than 15 years of industry experience.Greg resides in Newport Beach, CA with his wife and one year olddaughter.Page 46ETAHU Review: MayOctober20202019

Page 5ETAHU Review: May 2020

Nearly one-third of Americans say they are afraid they won’t be able topay for health care in the coming year, according to an NBC News/Commonwealth Survey.Thirty-one percent said they were concerned about being able to afford their health insurance in the next year, while 29% feared theywouldn’t have enough money to pay for out-of-pocket costs forprescription drugs, and 32% worried about being able to afford otherout-of-pocket costs.One in five respondents (22%) said they or a family member postponedgetting health care or medications because of the cost, resulting in theirhealth problem worsening.Among those who had trouble paying medical bills, 46% dipped into savings or retirement funds, or borrowed money from family or friends. Thirty-four percent said they charged their bills to their credit cards and 26%said they sold their jewelry or furniture to come up with needed funds.insurancenewsnetPage 6ETAHU Review: May 2020

The Primary Care Enhancement Act is aimed at lowering the cost ofhealth care and expanding patient’s access to their primary care providers.The bill’s sponsors are Sen. Bill Cassidy, R-La; Sen. Doug Jones, D-Ala;Sen. Jerry Moran, R-Kan; and Sen. Jeanne Shaheen, D-N.H.The Direct Primary Care model encourages patients to develop personal relationships with their primary care physician and includes extending access tocare beyond office visits and business hours and through telemedicine. It focuses on prevention and primary care, relying less on specialist and hospitalreferrals.DPC models replace copays and deductibles with flat, affordable monthlyfees. Current law makes DPC incompatible with health savings accountspaired with high-deductible health plans.The Primary Care Enhancement Act clarifies federal law to state that DPC iseligible for H S A contributions and that pretax H S A funds may be used topay DPC fees.National Business Group on HealthPage 7ETAHU Review: May 2020

Employers are looking to help their workers with their financial wellness in addition to their physical wellness, a study from the EmployeeBenefit Research Institute revealed. The study found that 43.6% ofemployers expressed at least some interest in offering financial wellness programs. In additions, 28.2% said they offer an emergencyfund or employee hardship assistance and 15.3% said they plan to offer one as a financial wellness initiative.Employers who are focused on providing emergency funds said theyare more likely than other employers to have taken steps to understand their workers’ financial wellness needs. These same corporations rate company concern about financial well-being as an eight ona 10-point scale.Employers who provide emergency funds also were more likely thanother employers to favor education-based financial well-being or debtassistance benefits to employees. These might include print or onlineeducation and resources for goal setting and saving.Page 8ETAHU Review: May 2020

Medicare, Medicare Advantage & Compliance RequirementsAbout the CourseThe course design provides rigorous training on the rules so that you will be able toachieve a certification that you can provide to all Medicare Advantage and Part D plansponsors with which you contract. The training meets all CMS requirements and wouldcomplement each plan sponsor’s plan-specific training for brokers and agents. After taking the final course exam, continuing education credits will be awarded and a certificateof completion provided or evidence of completion of the course can be transferred to yourMedicare Advantage carrier. Priced at 125 for NAHU members, the course is an affordable option with no hidden fees and no additional cost for CE credits.Course HighlightsAn understanding of the material in this curriculum will cover: All CMS requirements for Medicare Certification Most Common Compliance Issues Facing Plan Sponsors and Agents Changes in CMS Guidelines Trends in the Marketplace Fraud, Waste & Abuse Medicare SupplementHave Questions?The training program will be available through NAHU's Benefit Specialist Institute online learningtem Spring 2020.Preregister now at no cost, or contact the NAHU Help Deskat professionaldevelopment@nahu.org for questions about the course.Page 9ETAHU Review: May 2020

EAST TEXAS ASSOCIATION OF HEALTH UNDERWRITERSPresents2020 Annual Sales SymposiumFriday – June 19, 2020Studio Movie Grill, Tyler, TexasAgendaVENDOR PARTNER SET UPSymposium Registration7:30 a.m. to 8:30 a.m.8:00 a.m. to 8:30 a.m.Recognize Gold Sponsors8:30 to 8:45 a.m.1 HR CECarol Bailey8:45 a.m. to 9:45 a.m.Course Title: Meeting the New RX Challenge – Specialty PharmacyCourse#:99252Provider #: 32408 Provider: TAHUVendor Partner Visits9:45 a.m. to 10:00 a.m.1 HR CETom Chalfant10:00 a.m. to 11:00 p.m.Course Name: A Crack In The Foundation: Using Voluntary Benefits to ImproveWork-force Well-beingCourse#:Provider#: Provider:The Guardian1 Hour CEMike Smith11:00 a.m. to 12:00 p.m.Course Title: Medicare in the New Millennium (Part 2)Course#: 92951 Provider #: 32637 Provider: The BrokerageLUNCH & Visit with the vendors12:00 p.m. to 1:00 p.m.1 HR CEReid Rasmussen1:00 p.m. to 2:00 p.m.Course Name: The 3 Myths of Medicare For AllCourse#: 119502Provider#: 32408Provider: TAHUVendor Partner DOOR PRIZE DRAWINGS2:00 p.m. to 2:20 p.m.1 HR CEReid Rasmussen2:20 p.m. to 3:20 p.m.Course Name: From Complaints to Kudos: 6 Ways Advocacy is a Game-ChangerCourse#: 120780Provider#: 32408Provider: TAHUPage 10ETAHU Review: May 2020

Quarantine Co-WorkersDavid Cotham’s Co-WorkersTrace Shappell’s Co-workersCynthia Swanson’s lazy co-WorkersNot practicing social distancingPage 11ETAHU Review: May 2020

Quarantine Co-WorkersBrenda Massey’s Co-WorkersWendy Bratteli’ Co-workers—social distancingPage 12ETAHU Review: May 2020

Quarantine Co-WorkersSome of Kay Swigart’s Co-workersPage 13ETAHU Review: May 2020

“When angry, count to 10 before you speak. If very angry, a hundred,” said Thomas Jefferson. It turns out that his advice has some benefits to our longevity.Researchers at the University of Rochester found that people who suppress theiranger may die sooner than those who are better at expressing their emotions.When you’re angry, stress hormones are released, which put you at risk for anything from type 2 diabetes to depression.But expressing rage isn’t the answer, either. A study published in the journal Circulation found that people who had a heart attack were more than twice as likelyto report being angry in the hour before their heart attack compared with a control time period.So what’s the healthiest way to handle anger? The researchers said that the anger itself isn’t bad, it’s the extreme highs and lows that take a toll on the body.Researchers recommended paying attention to what triggers your anger or takinga cool-off period before telling someone why you are upset.Page 14ETAHU Review: May 2020

Have you ever learned something new and then wondered—HMM? I wonder if Iwas the only one that did not know that? Well, I can guarantee that maybe othersdid not know it either.So this month’s – I learned something new is from Wendy Bratteli and I can tellyou when she called me and we discussed it had never crossed my mind—I wonder did it cross yours?Hey Everyone I learned something today, very interesting and in 25 years, this never came up!For those of you who take payroll deductions weekly.Any year that starts on a Thursday will have 53 weeks, regardless of a leap year. Mostdeductions are taken x 12 / 52; meaning on years with 53 weeks, you could pull aweek more than necessary to cover the annual cost of benefits from employees; alsoLeap years that start on a “Wednesday” will have 53 weeks. 2020 is a Leap year; andstarted on a Wednesday. We have 53 weeks for 2020; and most payroll calculationswere based upon 52 weeks.You might consider a “benefits” holiday one week, to balance for 2020; otherwise youmight be pulling high, on the cost of benefits for 2020!Thanks Wendy!Page 15ETAHU Review: May 2020

Robyn Kaye—23 YearsD’Ann Miller– 19 YearsMark Everett—23 YearsCynthia Swanson—16 YearsKevin Balkin—4 years—Kevin just moved to our chapter but he has been with theFt. Worth chapter and I wanted to acknowledge him being a member of theAHU.Thank you for being members!Page 16ETAHU Review: May 2020

Or go to:http://tahupac.org/contribute/Page 17ETAHU Review: May 2020