Dedicated Insurance Professionals you know and trust...like Family
Issue No. 49

November 26,  2013

 

 

 


 

 

 

In a year that has been wrought with challenge, for TACT, the challenges have been turned into successes thanks to members and participants like you! You have focused on the future and you have focused on thriving! We are happy to help you do that by meeting your health insurance needs. TACT thanks you and is grateful. 

 

 

You are a partner in health care decision making and you are partnered with a coverage provider that is thriving amidst pending change.

 

 

Now serving ALL of Texas Agriculture -

Contact us for more information

 

 

 

 

 

TACT - Dedicated Insurance Professionals
you know and trust...like Family.  

 

 

 

  

November - National Diabetes Awareness Month

 

Diabetes is a disease where the body is unable to produce insulin or when the body does not use insulin properly. Insulin is a hormone that your body needs to convert sugar, starches and other foods into energy. According to the Centers for Disease Control and Prevention (CDC) more than 25 million people in the U.S. have diabetes, and diabetes is the seventh leading cause of death in the United States.

When a person has diabetes, they also have an increased risk of heart attack, stroke, kidney disease, or blindness. There is no known cure for diabetes, but there is treatment. 

 

November is American Diabetes Month, a time to communicate about the seriousness of diabetes and the importance of diabetes prevention and control. National Diabetes Awareness Day is November 14. TACT offers a diabetic program that is part of your prescription drug program administered by HealthSmart. TACT encourages you to call to get information on seeking a customer service representative or visit here for more information.

 

 

 

 

 

  
 
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 Healthcare In The News

 

 

Obamacare Returns to the Front Page with a Vengeance

 

New internal emails released from a Congressional oversight committee suggest IT leaders inside the White House knew there were deep flaws with Healthcare.gov with one official comparing it to a potential plane crash. Mike Emanuel reporting.

 

In addition to the malfunctioning HealthCare.gov website, millions of Americans have been receiving cancellation notices from their health insurance providers since Obamacare went into effect in October.

Mainstream media outlets and personalities-from the Washington Post to MSNBC's Chuck Todd-that were some of Obama's fiercest defenders the last four years have called him out on this falsehood, even admitting in hindsight that they were skeptical of Obama's signature claim.

 

New polling by the Washington Post and ABC News suggest the President is in deep political trouble.

 

It shows the President with the lowest numbers of his presidency with falling numbers not only in approval but it some of the President's personal characteristics.

 

The numbers on the new health care law are also terrible. 57% now opposed to the Affordable Care Act. Source - Fox News, Happening Now (November 19)

 

 

News From November 4:

For the second time in a week, President Barack Obama backtracked on his promise to Americans that they could keep their health insurance plans under Obamacare, telling a group of activists on Monday that what he had really meant was that Americans could keep their healthcare plans "if it hasn't changed since the law passed." 

  

Speaking at an Organizing for Action health care summit in Washington, D.C., Obama revised a signature mantra of his stump speeches during the Obamacare debate and the 2012 campaign in which he repeatedly said that under Obamacare, "If you like your plan, you can keep your plan." 

 

Obama said. "So we wrote into the Affordable Care Act, you're grandfathered in on that plan. But if the insurance company changes it, then what we're saying is they've got to change it to a higher standard.

 

"They've got to make it better, they've got to improve the quality of the plan they are selling. That's part of the promise that we made too. That's why we went out of our way to make

 

Obama attempted his first rewrite of history last month in his healthcare speech at Boston's Fanueil Hall after Health and Human Services Secretary Kathleen Sebelius was grilled in front of Congress and apologized for Obamacare's rollout, which she conceded was a "debacle." 

 

"For the vast majority of people who have health insurance that works, you can keep it," Obama said. Obama then said that Americans who were receiving cancellation letters merely had "substandard" insurance plans. 

 

 

 

 

 

Looking Ahead

Texas Prepares to Shutter High Risk Insurance Pool

 

 

By David Maly

Texas Tribune, October 18, 2013

 

At the end of the year, Texas' high-risk insurance pool for the state's sickest residents will close and participants will have to find coverage in the federal health insurance marketplace created under the Affordable Care Act.

  

At year's end, Texas will shut down its high-risk insurance pool for some of the state's sickest residents, pushing participants to find private coverage in the federal health insurance marketplace created under the federal Affordable Care Act. And patient advocates say those participants should focus on making the transition sooner rather than later to ensure that they don't experience a lapse in coverage or lose access to current health care providers and services.

 

"Pool policyholders who are in the middle of treatment will especially need to be sure the network offered by their replacement health plan includes their treatment team," Steven Browning, executive director of the Texas Health Insurance Pool, said in an email.

 

The high-risk pool is financed mainly by patient premiums and assessments paid by health insurance companies and HMOs, along with some funding from federal grant programs. Since 1998, it has provided high-priced coverage to Texans with pre-existing conditions who can't find coverage elsewhere. The state has deemed the high-risk pool obsolete, as the Affordable Care Act prohibits insurance companies participating in the federal marketplace, which launched on Oct. 1, from denying coverage to Texans with pre-existing conditions. Gov. Rick Perry signed Senate Bill 1367 in June, scheduling the pool's abolishment.

 

The pool will close Jan. 1, and the 23,000 people currently participating in the pool must sign up for coverage on the insurance exchange by Dec. 15 or find coverage elsewhere to avoid a lapse in care.

 

Browning said the pool is making ample efforts to inform its policyholders of the closure and Dec. 15 deadline, including posting information on its website, sending letters and emails and making phone calls. There should be adequate time for those in the pool to get enrolled in a plan by Dec. 15, he said, and the pool is encouraging its patients to use a health insurance agent to sign up for coverage.

 

"In our various communications to policyholders, and on our website, we are stressing the importance of carefully evaluating the provider networks of the health plans in which they are interested, to be sure they retain adequate access to their physicians and hospitals," Browning said.

 

With many of the health plan options in the federal marketplace being cheaper than the high-risk pool and covering additional benefits, Stacey Pogue, a senior policy analyst for the left-leaning Center for Public Policy Priorities, said the situation presents an opportunity for Texans in the pool.

 

"I think that people are going to have many more options and many better options in the marketplace than they do in the health pool today," Pogue said. "There is not going to be a person who will be better off financially outside the pool than they would be if the pool stayed open."

 

As a condition of the pool, Texans generally pay twice the market rate for coverage, said Pogue. They'll probably see their health care costs halved in the marketplace, she said, because insurers aren't allowed to charge people with pre-existing conditions more than other consumers. The marketplace also offers tax credits to help purchase a health plan to everyone who makes 100 percent to 400 percent of the federal poverty line - $11,490 to $45,960 annual income for an individual or $22,550 to $94,200 for a family of four.

 

Pogue said health plans offered in the federal marketplace could also raise the level of care patients receive, as they must cover "essential health benefits," some of which, such as maternity care, aren't covered in the pool.

 

She doesn't expect there to be major issues with people meeting the Dec. 15 deadline either, she said, because many high-risk pool policyholders have health conditions that require them to deal with their health insurance on a consistent basis and are more likely to interact with their health care provider.

 

Lance Lunsford, vice president of communications for the Texas Hospital Association, said that if those in the pool experienced a lapse in coverage, hospitals would still be required by federal law to stabilize and secure them and would probably be able to aid them in securing additional coverage.

 

Lunsford said one of the big issues for people in the pool will probably be evaluating all the insurance options available.

 

"Their options may be wider and that may be part of one of the issues that they have," Lunsford said. "It will be about selecting the right coverage."

 

 

 

 

 

 

 

Agriculture News
University News Release Featured on AgWeb (November 16, 2013)  
  
Possible Outcomes for the Farm Bill
  
By: Carl Zulauf, The Ohio State University and Jonathan Coppess, University of Illinois
  
The House and Senate are beginning to conference the farm bill. (Conference is a committee of key farm bill senators and representatives appointed to resolve differences in the bills passed by the Senate and House of Representatives.)
  
Because the Constitution requires the House and Senate to pass identical legislation before it goes to the President, the conference committee process was established for the two chambers to resolve differences in legislation each of them pass. Conference committees have wide latitude in resolving differences to produce a final bill. Few rules actually apply to conference. The most common guidelines for conferees are that they are not to introduce completely new matters in conference that are outside the scope of the bills passed in the House and Senate.
  
Paths forward exist, with these 3 spanning the possible outcomes:
  1. The Conference Committee reaches an agreement that is enacted into law.
  2. The Conference Committee does not reach agreement and the current 2008 farm bill is extended for another year. A 2-year extension could occur if Congress wants to avoid a farm bill debate in a Congressional election year. To help meet federal deficit reduction goals, an extension will likely include a reduction in direct payments at least equal to and probably larger than the current 8.5% cut under sequestration.
  3. The Conference Committee does not reach agreement and permanent law is repealed, ending farm commodity support programs. The farm safety net becomes the insurance program, meaning multiple-year losses would not be covered by the farm safety net.

According to the report presented by AgWeb, November 16, the first 2 paths have about the same probability of occurring. The last path seems unlikely but the probability is not likely zero. The last 2 paths would normally not be in the realm of possible farm bill outcomes, but much of the politics and partisanship surrounding this farm bill is consumed with cutting federal spending.
  
If Congress reaches some form of a budget deal, it is expected to be smaller and more designed to replace the current sequestration cuts. Agriculture would be expected to make a contribution to such an agreement, with the most likely source of funds being a cut in direct payments. A much less likely and more drastic outcome would involve eliminating all Title 1 support in order to capture substantially more savings to pay for sequestration.
  
The entire report can be read, here 
  
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 Healthful Hint

  

Ten Tips to Healthy Holiday Eating

 

 With the holiday season upon us, it is a time of gathering with friends, colleagues and loved ones around holiday snacks and meals. To avoid the typical New Year Resolution of losing those holiday pounds, below are 10 healthy tips to holiday eating.

  1. Be realistic. Don't try to lose pounds during the holidays, instead try to maintain your current weight.
      
  2. Plan time for exercise. Exercise helps relieve holiday stress and prevent weight gain. A moderate and daily increase in exercise can help partially offset increased holiday eating. Try 10- or 15-minute brisk walks twice a day.
      
  3. Don't skip meals. Before leaving for a party, eat a light snack like raw vegetables or a piece of fruit to curb your appetite. You will be less tempted to over-indulge.
      
  4. Survey party buffets before filling your plate. Choose your favorite foods and skip your least favorite. Include vegetables and fruits to keep your plate balanced.
      
  5. Eat until you are satisfied, not stuffed. Savor your favorite holiday treats while eating small portions. Sit down, get comfortable, and enjoy.
      
  6. Be careful with beverages. Alcohol can lessen inhibitions and induce overeating; non-alcoholic beverages can be full of calories and sugar.
      
  7. If you overeat at one meal go light on the next. It takes 500 calories per day (or 3,500 calories per week) above your normal/maintenance consumption to gain one pound. It is impossible to gain weight from one piece of pie!
      
  8. Take the focus off food. Turn candy and cookie making time into non-edible projects like making wreaths, dough art decorations or a gingerbread house. Plan group activities with family and friends that aren't all about food. Try serving a holiday meal to the community, playing games or going on a walking tour of decorated homes.
      
  9. Bring your own healthy dish to a holiday gathering.
      
  10. Practice Healthy Holiday Cooking. Preparing favorite dishes lower in fat and calories will help promote healthy holiday eating. Incorporate some of these simple-cooking tips in traditional holiday recipes to make them healthier.
    • Gravy - Refrigerate the gravy to harden fat. Skim the fat off. This will save a whopping 56 gm of fat per cup.
        
    • Dressing - Use a little less bread and add more onions, garlic, celery, and vegetables. Add fruits such as cranberries or apples. Moisten or flavor with low fat low sodium chicken or vegetable broth and applesauce.
        
    • Turkey - Enjoy delicious, roasted turkey breast without the skin and save 11 grams of saturated fat per 3 oz serving.
        
    • Green Bean Casserole - Cook fresh green beans with chucks of potatoes instead of cream soup. Top with almonds instead of fried onion rings.
        
    • Mashed Potato - Use skim milk, chicken broth, garlic or garlic powder, and Parmesan cheese instead of whole milk and butter.
        
    • Quick Holiday Nog - Four bananas, 1-1/2 cups skim milk or soymilk, 1-1/2 cups plain nonfat yogurt, 1/4 teaspoon rum extract, and ground nutmeg. Blend all ingredients except nutmeg. Puree until smooth. Top with nutmeg.
        
    • Desserts - Make a crustless pumpkin pie. Substitute two egg whites for each whole egg in baked recipes. Replace heavy cream with evaporated skim milk in cheesecakes and cream pies. Top cakes with fresh fruit, fruit sauce, or a sprinkle of powdered sugar instead of fattening frosting.

  Enjoy the holidays, plan a time for activity, incorporate healthy recipes into your holiday meals, and don't restrict yourself from enjoying your favorite holiday foods. In the long run, your mind and body will thank  you.

 

 

 

 

 

 

  
 
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  Happy Thanksgiving!

 

TACT Office Hours for the Holiday

 

 

The Holiday Season is upon us!  In celebration of Thanksgiving, allowing the TACT staff time for travel and holiday meal preparations, the TACT office will close at noon on Wednesday, November 27 and reopen Monday, December 2 at 8 a.m.

Kimberly Holcomb and Cisti Pinkert will be available via cell phone, should assistance be needed outside of these hours. TACT wishes you and your families a very Happy Thanksgiving and a wonderful start to

 the Christmas season. 

 
In This Issue
National Diabetes Awareness Month
Obamacare Returns to the Front Page
Texas Prepares to Shutter High Risk Pool
Possible Outcomes for Farm Bill
Ten Tips to Healthy Holiday Eating
Refer Us!
TACT Holiday Hours
Facebook Feature 
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Texas Ag Coop Trust
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Texas Ag Coop Trust
Officers, Board of Trustees
 
Kimberly Tullo-Holcomb
TACT Executive Director
Lubbock, TX
 
George Reed, Chairman
United Farm Industries
Plainview, TX

Bret Brown, Secretary/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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Key Features of the Affordable Care Act

 
  

TACT is preparing for pending changes as needed for Americans. Health care coverage offered through the Marketplace includes a range of options so consumers can pick a plan that best meets their needs, the needs of their family, and their budget. 

 

Information mailed to participating TACT members and prospects has been done in an effort to let YOU, as a consumer, know that you can find and compare options. But, in the midst of all that is changing, TACT remains steadfast in coverage, quality and competitive pricing.

 

 

 The Basics:
 

Coming in 2014: Tax Credits for Families
Tax credits to help the middle class afford insurance will become available for those with income between 100% and 400% of the poverty line who are not eligible for other affordable coverage.

 

 Affordable Coverage Options

Data released shows consumers will be able to choose from an average of 53 health plans in the Federally-facilitated Marketplace, and the vast majority will have a choice of at least two different health insurance companies - usually more.  Premiums nationwide will also be around 16 percent lower than originally expected - with about 95 percent of eligible uninsured living in states with lower than expected premiums - before taking into account financial assistance.  Nearly 6 in 10 uninsured Americans could get insurance for $100 or less, with financial assistance and expanded access to Medicaid.

  

Small Businesses

The Marketplace includes a Small Business Health Option Program (SHOP), designed for small employers with 50 or fewer full-time equivalent employees. The SHOP will allow small employers a choice of a quality health insurance plans and let them make side-by-side comparisons to choose a plan that's right for their business and employees.

Employers buying health insurance through the SHOP may also qualify for a Small Business Health Care Tax Credit to help defray their premium costs.  Hundreds of thousands of small businesses with fewer than 25 employees have already received a tax credit of up to 35 percent of their health insurance costs. And beginning in 2014, this tax credit will be worth as much as 50 percent of the employer's contribution to premiums.  Small businesses can reach the dedicated SHOP Marketplace call center at 1-800-706-7893, Monday through Friday, 9am to 7pm EST.

 

TACT, in the midst of  launched change, finds itself in a unique position of being able to offer the highest quality of insurance and service at the same great rates to which you are already accustomed. We encourage you to field your options but allow us to help you understand them. Remember, with TACT, YOU are our business.


 

What can we do to help you? What questions do you have?  We are here to answer your questions.

 

  

 

  

 TACT - Dedicated Insurance Professionals
  you know and trust...like Family. 
 

 

Next Issue: December 9, 2013
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