Dedicated Insurance Professionals you know and trust...like Family
Issue No. 24

December 4,  2012

 

Greetings!

Health Reform In Action

Five Important Numbers

on Health Reform

 

 

 Number 1 ~ 54,000,000 Americans have coverage for preventative services free of cost. Insurers are now required to cover a number of recommended preventive services, such as cancer, diabetes and blood pressure screenings, without additional cost sharing such as copays or deductibles.

 

Number 2 ~ 32,500,000 people with Medicare who use a preventive service. The new health reform law eliminated any deductible or copay for many preventive services or for a new Annual Wellness Visit. In 2011, more than 20 million seniors received a cardiovascular screening free of charge.

 

Number 3 ~ 3,600,000 seniors have saved $2.1 billion on their prescription drugs. That's an average of $600 for every senior who hit the gap in Medicare's prescription drug coverage, often called the 'donut hole.' Seniors now receive 50 percent discounts on covered brand name drugs in the donut hole, new discounts on generic drugs, and the donut hole will be closed in 2020.

 

Number 4 ~ 3,100,000 more young adults have insurance through their parents' plans. Under the law, most young adults who can't get coverage through their jobs can stay on their parents' plans until age 26.  

 

Number 5 ~ 50,000 uninsured people with pre-existing conditions have gained coverage. The Pre-existing Condition Insurance Plan provides critical care to people who have been blocked out of the system due to cancer, heart disease, and other pre-existing condition.

 

The White House webiste states that "President Obama's health reform law gives hard-working families the security they deserve." As well as "Additionally, the Affordable Care Act helps small businesses with the cost of providing health insurance for their employees and helps doctors and other health providers care for their patients more effectively."

 

TACT maintains its efforts in providing you with products and services that YOU own. YOU are our business and as the nation moves toward implementation of President Obama's new Health Care Law, we will keep you informed as to information affecting you and will continually work to maintain all that you have come to expect from YOUR healthcare coverage and YOUR healthcare company.

 

 

TACT - Dedicated Insurance Professionals
you know and trust...like Family.  
 
 
 Healthful Hint
Rev Up Your Metabolism

 

 In the days just after Thanksgiving and in the season just before Christmas, holiday gatherings center around a variety of temptation. Boosting the metabolism is the holy grail of weight watchers every where. Here are a few tips on how to rev it up! (courtesy WebMD.com) 

1. Don't fall for "fat-burning foods."

Can certain foods -- such as celery and grapefruit -- help you lose weight? Not so, say Shames and Lakatos. "Celery is low in calories and has a good deal of fiber, but it doesn't speed up your metabolism," says Shames. As for rumors that grapefruit increases your body's ability to burn calories because of its acidity, there are no studies to substantiate that myth. "In fact, if you were to eat the same number of grapefruits as any other fruit, such as peaches, or oranges, you may actually be more likely to gain weight from eating the grapefruit, as they are slightly higher in calories (due to their larger size)," says Lakatos.

2. Don't fast or skip meals.

The idea that fasting or skipping meals regularly is a great way to cleanse the system of impurities, speed metabolism, and encourage weight loss is just another myth, says Sue Ayersman, a certified clinical nutritionist (CCN) at Kronos Optimal Health Centre in Scottsdale, Ariz. "Your body needs a certain amount of calories and nutrients each day for normal function," says Ayersman. "Denying the body of these essential elements throws the system into survival mode, slowing metabolism and encouraging the storage of energy in the form of fat. You have to eat in order to lose weight." Four to six small meals a day is a good way to keep your metabolism humming.

3. Spice foods up for taste.

Spicy foods don't really help you burn calories, says Carey Clifford, MS, RD, vice president of Nutricise (www.nutricise.com), an online nutrition and weight loss program. But they may help you enjoy healthy choices such as vegetables and chicken. "Spicy foods may boost your metabolism slightly, but unfortunately, it's too small a boost to be significant," says Clifford.

4. Drink water.

Lack of water can slow the metabolic rate just as lack of food can, says John Acquaviva, PhD, assistant professor of health and human performance at Roanoke College in Salem, Va. "Since water is the body's most important nutrient, the liver will turn its concentration to water retention instead of doing other duties such as burning fat."

5. Tone up.

Becoming more active will stimulate your metabolism, says Susan L. Burke, MS, RD/LD, CDE, director of nutrition services for eDiets. Muscle is more metabolically active than fat, she Aerobic exercise will burn calories, says Burke, who recommends at least 60 minutes of moderate activity every day. Combined activity counts -- walk, skip, jog, or danceexplains, so replacing your fat stores with lean muscle allows you to maintain your weight much more easily. "It's not necessary to become a body builder," says Burke. "Just use light weights to firm and tone your muscles."

6. Get moving.

. Activity in your home counts, too. Garden, clean closets, or clean your house. "You'll burn the most calories, however, with sustained activity that gets your heart rate up," says Burke.

7. Watch those calories.

As you get older, your metabolism will slow down -- approximately 5% a decade, says Madelyn H. Fernstrom, PhD, CNS, associate professor and director of the UPMC Health System Weight Management Center in Pittsburgh. A slower metabolism is a natural part of aging, Fernstrom explains, so to maintain a stable weight, you must adjust your caloric intake and/or physical activity. "If someone needs 1,500 calories a day to maintain his body weight at age 40, for example, he or she will need about 1425 calories a day at age 50 to maintain that weight, without changing anything else," says Fernstrom.


The bottom line when it comes to metabolism, says Susan Burke, "If it sounds too good to be true, it is."

 

 


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 To Your Health
  Make Note! 

Please note the last two issues of InTACT have detailed Prescription Benefit Change information. These changes affect you!

  

Changes have been made to the Preferred Drug Formulary, and the formulary status of several drug products will change effective January 1, 2013. TACT encourages you to review the benefit changes, as they may affect you and your covered dependents.

  

 For your convenience, we have a list of the changes and provided possible preferred alternatives when appropriate. This is not an all-inclusive list, and formulary changes may occur throughout the year. You may contact the TACT office for a faxed copy of the drug listings or for a complete listing of the drug formulary and preferred products, please see the updated electronic version of the WellDyneRx Preferred Drug Formulary online at www.welldynerx.com.
 

 If you are in need of the information described, please contact the TACT office.  

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  Obama Administration Moves Forward Implementing
Health Care Law

 

The Obama administration moved forward last week to implement provisions in the health care law that would make it illegal for insurance companies to discriminate against people with pre-existing conditions. The provisions of the Affordable Care Act also would make it easier for consumers to compare health plans and employers to promote and encourage employee wellness.

 

"The Affordable Care Act is building a health insurance market that works for consumers," said Health and Human Services Secretary Kathleen Sebelius. "Thanks to the health care law, no one will be discriminated against because of a pre-existing condition."

 

"The Affordable Care Act recognizes that well-run, equitable workplace wellness programs allow workers to access services that can help them and their families lead healthier lives," said Secretary of Labor Hilda L. Solis. "Employers, too, can benefit from reduced costs associated with a healthier workforce."

 

 

Specific Highlights:  

Pre-Existing Conditions: A proposed rule that, beginning in 2014, prohibits health insurance companies from discriminating against individuals because of pre-exisitng or chronic conditions. The rule would ensure that people for whom the coverage would otherwise be unaffordable, and young adults, have access to a catastrophic coverage plan in the individual market. Click here to read more.

Core Benefits: Essenital health benefits are a core set of benefits that would give consumers a consistent way to compare health plans in the individual and small group markets. A companion letter on the flexibility in implementing these benefits in Medicaid also was sent to states. For more information, read here.

Wellness Programs: Information on implementing and expanding employment-based wellness programs to promote health and help control health care spending can be found here.


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Agriculture

in the News

U.S. Farm Income Surged Even As Crops Withered

 

 Farming accounted for 0.9 percent of the U.S. economy last year, generating 11 percent of total exports and employing 2.635 million people. And, in the midst of drought-plagued areas throughout the nation, U.S. farmers are having their most-profitable year ever because of record-high prices  - and insurance claims.

 

The government is predicting that food inflation will accelerate next year, led by meat, dairy and baked goods. While smaller harvests are reducing supplies in the United States, which is the biggest agricultural exporter, slowing demand and more production in other nations are easing the impact.

 

Farmer income likely will jump 6.9 percent to $144 billion, exceeding the government's August estimate of $139.3 billion, said Neil Harl, an economist at Iowa State University. Parched fields that drove corn, soybean and wheat futures as much as 68 percent higher since mid-June mean insurance payouts may more than double to $28 billion, according to Doane Advisory Services, a farm and food-company researcher in St. Louis. Meanwhile, livestock producers are also paying higher feed costs. 

 

Government-backed insurance policies already have paid $5.74 billion in claims on liabilities of $116.3 billion, according to the USDA.

 

Farm income has more than doubled since 2006, and three consecutive years of record profit left U.S. farmers with a ratio of debt to assets of 10.2 percent, the lowest since the government began tracking the data in 1960.

 

The gauge of net income for farmers subtracts costs including seed, fertilizer, labor and interest on debt from gross cash income. The USDA updates its farm income forecast Nov. 27 and farm-trade estimates on Nov. 29.

 

Rising profit has helped spur a land rush. The Federal Reserve Bank of Chicago said Nov. 15 that farmland in Iowa, the largest U.S. corn and soybean grower, rose 18 percent in the year that ended Oct. 1. A farm in Iowa's prime northwest growing region sold several weeks ago for a record $21,900 an acre, topping the previous high last year of $20,000.

 

The surge in U.S. farmland prices signals that the market may be in a bubble, Alex Pollock, a former CEO of the Federal Home Loan Bank of Chicago, said in a recent Heritage Foundation report. The gains would be threatened by higher interest rates and lower crop prices, he said.

 

However, the Federal Reserve Board has pledged to keep rates at a record low until at least mid-2015.

 

See the complete story here.

 

Related Reading:

U.S. Agriculture Secretary Tom Vilsack has urged Congress to break a logjam and pass a reform-minded farm bill, but two lobbyists said the deadlocked $500 billion bill may not be enacted for months, or even a year. 

 

Vilsack, who is expected to stay at USDA for at least the start of President Barack Obama's second term, told Reuters the department "would do everything we can" to implement a new farm bill in time for the 2013 harvest next fall. 

 

With deficit reduction at the top of the agenda for lawmakers during a brief post-election session, Vilsack said "reform becomes a very important component" for the farm bill, already six weeks overdue. 

 

Months ago Obama suggested $33 billion in agricultural cuts, and analysts say the best chance to pass a farm bill this year would be to use its budget cuts as part of an overall plan to reduce the federal deficit. 

 

But they see little chance of a budget pact and say the farm bill is a minor issue for lawmakers to spend time on, compared to looming automatic budget cuts and tax increases.

 

Read more about "reform minded farm bill" here

 

 

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In This Issue
Healthful Hint
Prescription Benefit Changes
Obama Administration Moves Forward Implementing Health Care Law
Agriculture in the News
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Facebook Feature 
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Texas Ag Coop Trust
Officers, Board of Trustees
 
George Reed, Chairman
United Farm Industries
Plainview, TX

Gregg Allen, Secretary
Olton Grain Coop
Olton, TX
 
Bret Brown, Treasurer
Sunray Coop
Sunray, TX

Jim Turner
Dalhart Consumers Fuel Association
Dalhart, TX
 
Paul Wilson
United Cotton Growers
Levelland, TX

Cary Eubanks
Slaton Coop Gin
Slaton, TX

Dean Sasser
Farmers Coop Elevator
Levelland, TX


 

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December is open enrollment for TACT Direct-Pay Dental.

See the flier below - call TACT for more information!
 

 TACT - Dedicated Insurance Professionals
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Next Issue: December  18, 2012
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