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Dedicated Insurance Professionals you know and trust...like Family |
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Issue No. 59 |
April 15, 2014
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Spring is already putting on a show! Needed rain is falling in many parts of the state, gardening is in the air and bluebonnets have made their beautiful and bountiful appearance!
Healthcare in the news may seem like an orchestrated show that is hard to follow. But, like the beauty found in the welcoming of spring, TACT puts forth an unmatched product and an unmatched experience.
- Positioned to offer coverage at steady/unchanging rates
- Coverage that serves an underserved industry.
- Concerened about YOUR company, YOUR business, YOUR needs
- Offering healthcare coverage along with vision and dental services
- Serving the underserved
TACT, like the lovely bluebonnets, are thriving! As a member participant with Texas Ag Coop Trust, you are a partner in decision making and you are partnered with a thriving coverage provider. Keeping YOU the priority. Keeping YOUR NEEDS in perspective. With TACT, YOU are our business. How can we help?
Now serving ALL of Texas Agriculture -
Contact us for more information
TACT - Dedicated Insurance Professionals
you know and trust...like Family.
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Latest Obamacare Surprise:
most won't be able to buy health insurance until end of the year
courtesy Fox News
April 8, 2014
There is yet another ObamaCare surprise waiting for consumers: from now until the next open enrollment at the end of this year, most people will simply not be able to buy any health insurance at all, even outside the exchanges.
"It's all closed down. You cannot buy a policy that is a qualified policy for the purpose of the ACA (the Affordable Care Act) until next year on January 1," says John DiVito, president of Flexbenefit which has 2,500 brokers.
John Goodman of the National Center for Policy Analysis in Dallas adds, "People are not going to be able to buy individual and family policies, and that's part of ObamaCare. And what makes it so surprising is the whole point of ObamaCare was to encourage people to get insurance, and now the market has been completely closed down for the next seven months."
That means that with few exceptions, tens of millions of people will be locked out of the health insurance market for the rest of this year.
Only about one in four subsidy-eligible people signed up for health insurance," says Robert Laszewski of Health Policy Associates. "That means about 13 million subsidy-eligible people have not yet signed up for health insurance."
Add to that millions more who waited, or thought the policies under ObamaCare were too expensive and decided just to pay the tax penalty.
Although those who failed to buy insurance during the enrollment period could face a government penalty, most will not have to pay that penalty until they do their taxes next year.
"In all likelihood," says Laszewski, "we've only signed up somewhere between one in five and one in seven people who were uninsured prior to the start of ObamaCare."
That means millions are left outside the health insurance market. There is short term insurance, but anyone with a pre-existing condition can be turned down.
Click to read more.
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National Public Health
Week Recognized
A Statement by Assistant Secretary for Health Dr. Howard Koh
National Public Health Week, recognized April 7-11, is a time to acknowledge progress made in strengthening and protecting the public health and rededicating ourselves to the work of improving the health and well-being of Americans by preventing disease, supporting medical research, and promoting safer and healthier communities.
This year, one of the main themes of National Public Health Week, "Be Healthy from the Start," is particularly appropriate, having just marked the end of the first open enrollment period of the Affordable Care Act.
The Affordable Care Act's focus on prevention and expanding access to quality care is rooted in the concept of "being healthy from the start." Because of the law, millions more Americans have quality affordable coverage, including preventive services, through the Marketplace or Medicaid. Not only can they get the care they need when they need it, but they can get preventive care as well, many for the first time. Already more than 100 million Americans with private insurance and Medicare have benefitted from expanded coverage of preventive services such as recommended cancer screenings without paying coinsurance or deductibles.
The Affordable Care Act also establishes the National Prevention Council, which, through the National Prevention Strategy, strives to move the nation from a focus on sickness and disease to one based on wellness and prevention across all sectors. The Council works in conjunction with the Prevention and Public Health Fund and other efforts to prevent heart attacks, strokes and cancer, reduce tobacco use, prevent obesity, combat health disparities and improve the nation's health.
To help gauge advancements in America's public health, the U.S. Department of Health and Human Services tracks leading health indicators via the Healthy People initiative, which provides science-based 10-year national objectives for improving the health of all Americans. (www.healthypeople.gov)
National Public Health Week is an opportunity to recognize not only the important work of public health workers in communities across our country, but also the role every citizen plays in the effort to "Be Healthy from the Start."
By taking better care of ourselves, and supporting friends and family in their efforts to lead healthier lives, we can all play an important role in National Public Health Week.
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further reading...
HHS Announces Progress in Disease Prevention and
Health Promotion
The nation's health is improving in more than half of the critical measures that are known to have major influence in reducing preventable disease and death, according to a new report from the U.S. Department of Health and Human Services.
Healthy People 2020 represents the nation's current 10-year goals and objectives for health promotion and disease prevention. Twenty-six specific measures-in categories such as access to care, maternal and child health, tobacco use, nutrition and physical activity-were identified as high-priority health issues. These Leading Health Indicators (LHI), if addressed appropriately, have the potential to significantly reduce major influences or threats on the public's health that cause illness and death.
"The Leading Health Indicators are intended to motivate action to improve the health of the whole population. Today's LHI Progress Report shows that we are doing just that," says Dr. Howard Koh, Assistant Secretary for Health. Koh also notes that with the full implementation of the Affordable Care Act, we can expect to see more improvements across these indicators.
There are 14 health indicators that have either been met or are improving in this first third of the decade, including:
- Fewer adults smoking cigarettes;
- Fewer children exposed to secondhand smoke;
- More adults meeting physical activity targets; and
- Fewer adolescents using alcohol or illicit drugs.
While progress has been made across several indicators, the LHI Progress Report highlights areas where further work is needed to improve the health of all Americans. There are 11 Leading Health Indicators that have not shown significant improvement at this point in the decade, and 1 indicator where only baseline data are available.
For more information about the Leading Health Indicators Progress Update, please visit:
http://www.healthypeople.gov/2020/LHI/default.aspx.
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EGGciting!
Plenty of Eggs for Easter!
WASHINGTON, D.C., April 3, 2014 - Although retail egg prices are historically high at $1.98 per dozen, consumers will find an adequate supply of the protein powerhouses to fill Easter baskets and for Passover meals, according to John Anderson, deputy chief economist at the American Farm Bureau Federation.
Further, "Eggs remain a relatively low-cost source of protein at a time when other meat and dairy product prices are also up," Anderson said.
Recently, global demand for eggs has been very strong. In 2013, U.S. egg exports were up by 39 percent compared to the prior year. Much of the increase was due to an increase in exports to Mexico, which in addition to having strong consumer demand, has also had its domestic egg supply reduced by an avian influenza outbreak that began in early 2012.
"U.S. poultry farmers are working to catch up with the surge in demand. U.S. table egg production has increased in each of the past three years and is expected to increase by another 1.5 percent again this year. Demand remains strong, but exports to Mexico will begin to taper off as that country rebuilds its domestic poultry industry," Anderson concluded.
Top egg-producing states include Iowa, Pennsylvania, Georgia, Ohio, Indiana, Texas, Arkansas, California, North Carolina and Alabama.
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Farm Bill News
Ten Things Ag Producers
Need to Know
Courtesy: The Prairie Star
Now that President Obama has signed the new Agriculture Act of 2014 (farm bill), what can ag producers do to get up to speed on the complicated legislation?
Wayne Meyers, of Kennedy and Coe, an accounting and consulting firm focused on agriculture and food production, has his top 10 actions producers can take to right now to understand how the new legislation is going to impact their farming operations.
1. The first thing producers can do is educate themselves and develop an in depth understanding of the technical components of the farm bill.
Why? Because producers will be asked to make decisions that will lock farms into specific commodity options for the next five years. For example, producers must choose under the Title I, Commodity Program between the Price Loss Coverage (PLC) option or the Agriculture Risk Coverage (ARC). Under ARC there is another election either ARC County Coverage or ARC Individual Coverage.
2. Read everything you can about the farm bill. Read the Federal Register when USDA publishes their "Rule Making" as many decisions have been left up to the Secretary in the implementation of this farm bill.
3. Align yourself with industry experts that you trust. As with any new legislation, confusion and misinformation abound. Find experts who can give you correct information so you can make solid decisions.
4. Look for software and other tools that can help you play "what if" with price and yield estimates. These can be a great value in making crop by crop farm by farm elections.
5. Think about ways to involve your landowners in the educational process. Elections to update yield and base are to be made by farm owners. The more they understand about the importance of these elections, the easier the tenant's job will be when it comes time to make the elections.
6. Involve other professional advisors in your long term planning. That includes your banker, accountant, and others. Almost every facet of your operation will be impacted from crop insurance, having the correct operating structure, payment plans, succession planning and also your estate.
7. Begin to analyze your farm program crop bases. Updating individual crop base to more accurately reflect more recent planting of covered commodities will be beneficial.
While the 2002 farm bill allowed some producers to update base when they added oil seed crops, many producers have been "stuck" with crop acreage base that dates back to 1985. In many cases these crop bases do not reflect cropping history over the past four years and now producers (owners) have the opportunity to update crop bases. The process is called base reallocation.
8. Look at your actual yields as producers (owners) which elect the PLC option. There is a one time option to update yields to 90 percent of the farm's average planted yield over the 2008 to 2012 crop years. If the PLC looks attractive for some crops, then begin assembling yield data by FSA farm number and be prepared to provide this yield data to FSA when they announce signup for this option.
9. If you have a significant farming operation, consider hiring an expert to assist with the Title I Commodity Program Options. These options are a one time election and you can't afford to make a wrong decision.
10. Be sure you meet other eligibility criteria such as "actively engaged in farming" rules. It may not matter if you make all the right decisions regarding Commodity Program options if you fail the payment eligibility criteria.
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Save Time, Save Money
Time Flies! If only there were more hours in the day, right? Well, we can't stop the earth from rotating every 24, but we can help you find a few extra minutes in your busy life. Oops, minutes? What about hours? Taken together, these nine easy time-saving tips can
add up to more than two hours a week! GO DIGITAL Planning a week's worth of meals and then shopping for everything at once has long been the best way to avoid extra trips to the grocery store. Digital meal planning sites now allow you to drag and drop your favorite recipes to create a personalized shopping list at your desktop! TIME SAVED: 25 MINUTES GET ORGANIZED Rummaging for a measuring spoon may not seem like a big waste of time, but those extra seconds add up. An investment of just 15 minutes spent organizing your drawers can lead to a big payoff over the long haul. Group like utensils together, and keep the ones you use most within easy reach. TIME SAVED: 10-15 MINUTES MAP IT Arrange the items on your grocery list by category, then arrange the categories to reflect the layout of your supermarket. That extra minute or two before you head out the door can add up to a lot less backtracking in the aisles. TIME SAVED: 10-15 MINUTES FORGET ME NOT A simple dry-erase board on the fridge is a great way to keep a running list of the groceries you need. As soon as you're out of something or getting low, jot it down, then add those items to your weekly shopping list. You'll make fewer trips to the store just to pick up those pesky one or two things you forgot. TIME SAVED: 20-30 MINUTES AVOID RUSH HOUR Don't get stuck in the routine of stopping off at the store after work because everyone else does too! Grocery stores are busiest between 5 and 7 p.m. If you can, shop on weekdays before 9 a.m. or after 8 p.m. to beat the crowds. TIME SAVED: 15-30 MINUTES PREP SMART Instead of traipsing back and forth to the trashcan as you're prepping dinner, collect vegetable peels and other scraps in a bowl on the counter and make one trip. TIME SAVED: 5-10 MINUTES FREEZE! A lot of so-called convenience foods aren't exactly good for you, but not so when it comes to frozen veggies. They're just as nutritious and they can often come peeled, trimmed and ready to cook. TIME SAVED: 10-15 MINUTES INVEST IN KID POWER Having the kids in the kitchen hardly seems like a time-saver when it comes to cooking dinner, but cleaning up is another story. Even toddlers can start out by taking their dirty dishes to the sink. Better yet, research shows that involving kids as young as 3 or 4 in household chores is a strong predictor of their overall success as adults. TIME SAVED: 10-15 MINUTES BREAK THE RINSE CYCLE You may hate rinsing plates, but you know what? Your dishwasher doesn't. That's what it's made for! Dishwasher detergent works best when it has food residue to work against, do don't waste time rinsing the dishes (septic system lines excluded) TIME SAVED: 5-10 MINUTES
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Texas Ag Coop Trust
1802 East 50th St., Ste. 107
Lubbock, TX 79404 806-747-7894
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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
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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Texas Ag Coop Trust
is endorsed by:
Texas Grain & Feed
Association
Texas Cotton Ginners Association
Texas Coop Marketing Exchange
Texas Corn Producers |
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Our Focus Remains, YOU
Positioned to offer coverage at steady/unchanging rates
Coverage that serves an underserved industry.
Concerened about YOUR company, YOUR business, YOUR needs
Offering healthcare coverage along with vision and dental services
Serving the underserved
MORE THAN JUST A HEALTH PLAN
TACT is in the best possible situation to thrive, provide outstanding benefits and help limit expense.
- You get more coverage
- You get a staff that works for you and with you - available to assist with no automation
- Ownership that comes with participation
2014 is just beginning, and is also just the beginning for issues surrounding healthcare and agriculture, revealing a state of the union that is citizen-strong with a reformed healthcare system that is providing much needed assurance to many, lacking
Americans.
With TACT, your need for healthcare is met! We are expanding and advancing and we want to hear from you! Obamacare is upon us? Are you covered? Do you have questions? Are you fielding concerns from employees and contractors? We have the answers you are looking for. We have the product to meet your need. And, best of all, we are Texas and we are personal. 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: April 29, 2014
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