Dedicated Insurance Professionals you know and trust...like Family
Issue No. 52

January 7,  2014

 


 

 

 

We stand in the midst of history as millions of uninsured now have the opportunity to secure health insurance under the new Affordable Care Act, or Obamacare. Yet, as a private entity, we yield even greater options to an industry that is often underserved.

 

Selecting an insurance plan isn't something to rush into, particularly for the millions who are currently uninsured.

 

TACT, in the midst of  this history making 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.

 

With hopes and promises that the New Year is sure to bring, we are thankful that it also brings more opportunities to work together. We wish you a very happy, healthy and successful year ahead.  

 

 

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 -

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

 

 

 

  

Welcoming 2014

 

 

As we close out the year 2013, we take time to look back on our personal and professional accomplishments or, in some cases, setbacks. The New Year always brings us a sense of hope and excitement knowing that we can all have a "do-over" or a "fresh start". We take time to re-evaluate our choices and prepare to make new ones.

Each year, we at Texas Ag Coop Trust are no different. We take the time to reflect on the past year, taking note of where we could improve, where we can expand and where we would like to go.   2013 brought changes to Texas Ag Coop Trust, some of which some have been seen by members. We saw a change in management. We ended our fiscal year in May with the best financial standing since inception of Texas Ag Coop Trust. We also survived our second Texas Department of Insurance exam with a result of a perfect report! With all of these exciting accomplishments we still look to see how we can serve you better in the year 2014.

With Obamacare in full force, we continue to strive to provide the best benefits at the most competitive rates, provide exemplary customer service and even bring more stability and options to you, our members. Our first step to our New Year's resolutions was hiring two new employees! We welcome Karen Worth and Anne Pinkert to the Texas Ag Coop Trust family! Both employees bring a very extensive knowledge base and have worked with us through our years with various third party administrators. This means that they know us and you as much as Cisti, Martha and I! We are very excited to have them and over the coming months, we will be letting you know what they will be doing for us and how you can get to know them better.

This is a very exciting time for Texas Ag Coop Trust. We are working on projects that will bring you more customer service, education, and opportunity! We look forward to 2014 and know that it is going to be an exceptional year!

We would like to wish each of you a very happy and prosperous New Year!

Kimberly Holcomb

Executive Director

  

 

 

 Healthcare In The News

 

  

Obamacare Takes Effect

  

The total of those who have signed up appears to be about 2 million, short of the goal but a recovery from the enrollment system's disastrous debut.

  

 

By Noam N. Levey and Chad Terhune

printed in the Los Angeles Times

 

WASHINGTON - Nearly four years after it was signed and after months of scrambling and uncertainty, President Obama's landmark bid to guarantee Americans health security takes full effect Wednesday as the Affordable Care Act begins delivering healthcare coverage to millions nationwide.

  

Administration officials reported that about 1.1 million people had enrolled in health plans using the federal website, HealthCare.gov, the main entry point for coverage in 36 states. Nearly all the enrollments came in the last couple of weeks as the deadline approached for coverage that would take effect Jan. 1.

  

Several hundred thousand people have enrolled on separate sites run by 14 states and the District of Columbia, with the largest figure coming from California, where more than 400,000 have signed up.

  

An exact count nationwide is not yet available because not all states have tallied their figures, but the total appears to be about 2 million. That remains short of the administration's original goal of 3 million by this point, but marks a significant recovery from the system's disastrous debut in October.

  

More than 4 million additional people have been found eligible for coverage under the law's expansion of Medicaid and the Children's Health Insurance Program.

How the law will ultimately work and whether it can endure remain unclear, though the fact that coverage will now be real for several million people will almost certainly change the debate over Republican efforts to repeal it.

 

While that broader political fight plays out, doctors, hospitals and pharmacies across the country are bracing for more confusion as patients struggle to understand their new coverage.

 

Some may show up at physicians' offices without insurance cards, victims of the error-plagued enrollment process that bedeviled the initial rollout.

Others may discover that although they're properly enrolled in a health plan, the doctor or hospital they visit or the prescription they want to fill won't be covered by the plan they have selected.

 

Still other patients, including many who have never had insurance before, may be shocked to learn they have to pay thousands of dollars out of pocket before their coverage kicks in. Like employer-provided health plans, many insurance plans set up under the health law come with low premiums and high deductibles.

Surveys indicate that many Americans have little understanding of basic insurance concepts such as co-pays and deductibles.

 

Relatively few healthcare providers are likely to encounter significant numbers of patients with problems related to coverage under the new law. The number of people covered by the law is dwarfed by the more than 270 million people who already have some form of health insurance through an employer or a government program such as Medicare.

 

Click here to read more.

 

 

 

  

 

Agriculture News
  
Obamacare's Unlikely Casualty - Cap and Trade
  
  

Courtesy, Politico Pro

By DARREN SAMUELSOHN | 12/28/13 7:02 AM EST

  

Washington's political atmospherics couldn't be much worse for taking on big, complicated things after the bungled Obamacare launch. One unlucky and little noticed casualty: climate change.

  

A sweeping cap-and-trade bill, like the kind that died in President Barack Obama's first term, remains the best policy tool for addressing global warming at the federal level.

  

But the Affordable Care Act's early implementation problems offer a gut check for anyone considering putting their political muscle behind making another run at either a comprehensive legislative or regulatory fix to the climate issue - a remedy that could easily match, if not exceed, the bureaucratic complexity of Obamacare.

  

 Obamacare's stumbles have also fueled a debate in policy circles about alternative history - as in, would Obama's New Year's headache be even worse if climate change had also won congressional approval alongside health care?

 

There's plenty of irony in all this. Health care and climate change have been rival siblings battling for attention since the start of the Obama administration (Health care, so far, has been the winner).

 

Like key parts of Obamacare, the cap-and-trade concept originated with Republicans seeking a business-friendly way to control pollution. And EPA regulators have actually used the marked-based system with success for almost two decades to deal with acid rain and smog.

 

It stings even more for climate advocates that the country's recent natural gas revolution has led to a sharp drop in greenhouse gas emissions as electric utilities wean off coal. No one predicted this during the 2009-10 climate debate, but the U.S. is already nearly half way to the targets of the cap-and-trade bill that passed in the House but couldn't get out of the Senate.

 

With Obamacare implementation on the ropes, there's something of a wistful feeling among many of the failed climate bill's proponents that they wouldn't be causing the administration anywhere near the same problems. Their legislation had implementation in mind during the drafting phase by leaning on a number of existing programs, including channeling rebates to low income people via the food stamp program to compensate for energy prices that went up because of cap and trade.

But not only did cap-and-trade legislation get left at the altar when the Senate balked, Obamacare's unsteady debut leaves the future for any big climate proposal even dimmer. Supporters can only think of what might have been - and even some opponents acknowledge global warming might have been an easier governmental lift than health care reform.

 

Click here to read more.

 
 
  
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 Healthful Hint

  

Stand Tall in the New Year

 

 

POSTURE, POSTURE, and POSTURE. It cannot be stressed enough. A couple tips:

1. In your everyday life, for example, when you're standing in line at the grocery store, talking on your phone, or standing at work, be aware of the weight distribution on your legs. Are you favoring one hip more than the other? Do you always put weight on the same leg when standing? The more even your body is the more effectively you're balancing your musculo-skeletal system, making you less prone to injuries.

2. When driving your car, position your front mirror a bit higher than normal. It will force you to sit upright and remind you of better body awareness when driving.

3. If you tend to work with computers a lot write yourself a reminder note that says, "How am I sitting right now?" You will be surprised at the answer!

It's not easy to think in these terms but if we don't, gravity will win out! So stand and sit tall, people!

 

 

 

 

 
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In This Issue
Welcoming 2014
Obamacare Takes Effect
Obamacare's Unlikely Casualty
Stand Tall in the New Year
Refer Us!
Facebook Feature 
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Contact Us
Texas Ag Coop Trust
1802 East 50th St., Ste. 107
Lubbock, TX 79404
806-747-7894

  

Texas Ag Coop Trust
Officers, Board of Trustees
 
Kimberly Tullo-Holcomb
TACT Executive Director
Lubbock, TX
 
Jim Turner, Chairman
Dalhart Consumers Fuel Association
Dalhart, 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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Just a Reminder 

  

 SHOP Delay May Affect You

 

As announced by the Obama Administration on November 27, the Small Business Health Options Program, known as the SHOP exchange, will not offer online enrollment until November 2014, a one-year delay from a launch that was initially planned for this past October.


 Small businesses buying coverage will still be eligible for tax credits to bring down the cost, according to the administration. Starting next year, small businesses can claim a credit of up to 50 percent of their contributions to premiums for insurance purchased through the SHOP, and the administration is telling business owners that buying marketplace plans through brokers, agents and insurers will count for that tax credit.


 The setback was the latest in a stream of missed deadlines, including a postponement for a Spanish-language sign-up tool. The administration also recently pushed back the enrollment deadline for individuals: People who sign up by Dec. 23 can get coverage that starts on Jan. 1. In an earlier delay, businesses with more than 50 workers were given until 2015 to meet the requirement to provide health insurance without paying a penalty. And the deadline date for individuals to avoid penalties for failing to get coverage was pushed back six weeks.


The administration also announced a schedule change in next year's open enrollment season. It will start on Nov. 15, 2014, a month later than originally scheduled, and finish on Jan. 15, 2015, about five weeks later than originally scheduled. The midterm congressional elections are Nov. 4, and congressional Republicans accused the administration of shifting the dates for political reasons, to hide any spike in 2015 premiums.


 The administration earlier had announced it will allow insurance companies to extend for another year coverage under individual policies that don't meet new coverage requirements. That move was a response to anger over a wave of more than 4 million policy cancellations.

 

 

  

What Does This Mean for You?

 

With the delay in SHOP, need arises. And, with need, TACT is readily available to serve facets of agriculture in need of health care coverage. With the scope of TACT's service now broadened and with the competitive market having widened, the ability to provide yields much to an industry in need and, too often, underserved. At TACT, our customers are our business - YOU own your insurance company. You have a say in your coverage and you help in keeping premiums, minimum. So, we ask...what does this mean for you? And, we extend the offer of, how can we help meet your healthcare needs?

 

 





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:  January 21, 2014
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