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Dedicated Insurance Professionals you know and trust...like Family |
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Issue No. 66 |
July 22, 2014
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In the warmer, longer, lazier days of summer, the living may not be easy, but your life probably feels less chaotic. Even adults tend to adopt a "school's out!" attitude in summer. That's why this is a perfect time to improve your health in a seasonally laid back fashion.
Related, TACT strives to aid in helping you to improve your health and health coverage. By providing group benefits to members in the agricultural industry, TACT provides quality benefit plans and works to care for you and your health needs while holding down future rate increases for participants.
In our effort to provide exceptional health benefits, customer service and affordable rates, exciting changes are now serving as positive service provision adjustments.
We look forward to continuing our provision of great service, outstanding benefits and SAVINGS to you!
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.
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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HHS Announces Availability of $100M in ACA Funding, Expands Access to Primary Care
HHS announces the availability of $100 million in Affordable Care Act funding to expand access to primary care through new community health centers
Courtesy HHS.gov
HHS Secretary Sylvia Mathews Burwell announced the availability of $100 million from the Affordable Care Act to support an estimated 150 new health center sites across the country in 2015. New health center sites will increase access to comprehensive, affordable, high quality primary health care services in the communities that need it most. Later today, Secretary Burwell will also visit a Community Health Center in Decatur, Georgia to talk with its health care professionals about the important work they are doing to connect the community with high quality primary care.
"In communities across the country, Americans turn to their local Community Health Center for vital health care services that help them lead healthy, productive lives," said Secretary Burwell. "That's why it's so important that the Affordable Care Act is supporting the expansion of health centers."
The investment announced will add to the more than 550 new health center sites that have opened in the last three years as a result of the Affordable Care Act. Today, nearly 1,300 health centers operate more than 9,200 service delivery sites that provide care to more than 21 million patients in every State, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and the Pacific Basin. Health centers are also playing a critical role in helping the public learn about new coverage opportunities under the Affordable Care Act, by conducting outreach and enrollment activities that link individuals to affordable coverage options available through the Health Insurance Marketplace.
"Since last fall, health centers have provided enrollment assistance to more than 4.7 million people across the country," said HRSA Administrator Mary K. Wakefield, Ph.D., R.N. "We are pleased that the Affordable Care Act is supporting the establishment of additional health center sites to provide expanded opportunities for the newly insured to receive care."
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HHS Announces
Auto-Enrollment Plans for Current Marketplace Consumers for 2015
The U.S. Department of Health and Human Services (HHS) expects to announce its plans for helping existing Marketplace consumers get auto-enrolled for next year. These plans would give existing consumers a simple way to remain in the same plan next year unless they want to shop for another plan and choose to make changes.
"As we plan for open enrollment in year two and continue to build a sustainable long-term system, we are committed to simplifying the experience for consumers by allowing auto-enrollment," said Sylvia Mathews Burwell, Secretary of HHS. "We are working to streamline the process for consumers wishing to remain in their current plan."
In today's health insurance market, the vast majority of consumers are generally auto-enrolled in their plan year after year. For example, about 88 percent of employees receiving coverage through the Federal Employee Health Benefits Program don't choose to change plans and are instead auto-enrolled in their current plan with updated premiums and benefits. These guidelines aim to bring the Marketplace in line with this practice in the existing insurance market.
As with existing open enrollment periods for employer-based coverage, consumers are strongly encouraged to use the open enrollment period as an opportunity to update their information and reevaluate their health coverage needs for the coming year.
Consumers always have the ability to return to the system for shopping, changing plans, or reporting life changes, or a change to their annual income to ensure they are getting the lowest cost possible on their monthly premium. And, to help ensure the program integrity of how taxpayer dollars are spent, while also protecting consumers from having to pay back tax credits they are no longer eligible for, under the approach that the Federally-facilitated Marketplace would use in 2015, the small number of consumers whose updated income information suggests they no longer qualify for a tax credit next year, will still be auto-enrolled in their current plan, but without a tax credit. State-based Marketplaces may take this approach as well, or propose an alternative.
Under the plans that HHS expects to announce consumers in the Federally-facilitated Marketplace will receive notices from the Marketplace informing them how to update their information to get a tailored and updated tax credit that keeps up with any income changes.
Consumers will receive information from their health insurance company about the premium and the amount they are eligible to save on their monthly bill close to the beginning of the open enrollment period, when they will be able to take action should they choose to do so.
"We are continuing to plan for a second open enrollment period, and as we do so, are mindful of our ongoing work to improve the Marketplace for consumers, offering families a way to make the choices that meet their health care needs year after year," said Marilyn Tavenner, Administrator of the Centers for Medicare & Medicaid Services (CMS).
We are also announcing plans for additional flexibility for State-based Marketplaces in this area, including the ability for State-based Marketplaces to propose unique approaches that meet the specific needs of their State, while streamlining the consumer experience.
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Texans Not Buying Spending Plan for Border Crisis
Courtesy - Dailysignal.com July 13
President Obama's request for emergency funding to respond to the crisis along the southwest border drew more heat from two prominent Texans - Gov. Rick Perry and Rep. Mike McCaul, chairman of the House Homeland Security Committee.
"It is a very large amount of money and as you analyze it, very little of it is for border security," Perry said of the president's $3.7 billion spending plan on "Fox News Sunday."
House Republicans, McCaul said, we are "not going to write a blank check."
Obama met with the Texas governor to discuss his package to address the surge of illegal immigrants, many of them minors, from Central America. "I urged the governor to talk to the Texas delegation [to Congress], which is obviously at the heart of the Republican caucus ... in the House and has great influence in the caucus in the Senate," Obama said afterward.
Perry told Fox News' Brit Hume that the president "doesn't have to have this big amount of money," and instead advocated that 1,000 National Guardsmen be positioned along the border as a show of force.
"Because it's the visual of it I think that is most important," Perry said.
On ABC's "This Week," McCaul supported Perry's proposal to muster the National Guard and called for a "targeted approach" to the crisis.
"Our view, I think, as House Republicans, is look, we're not going to write a blank check," he said.
Earlier this week, Sen.Ted Cruz, R-Texas, also criticized the president's funding request.
"It's $3.7 billion, and less than 5 percent of it goes to actual border security," Cruz said in an exclusive interview with The Daily Signal. "The president's selling it as a border security bill, but it's a social services bill."
Asked about the border situation, U.S. Attorney General Eric Holder told ABC's Pierre Thomas on "This Week" that the administration is enforcing current immigration laws:
"Yes, the immigration laws are being enforced, though we are faced with an extraordinary situation. Our immigration laws are broken, that's why we need comprehensive immigration reform.
Many conservatives, however, dismiss such language as cover for granting amnesty to millions of illegal immigrants rather than securing the border, rigorously enforcing the law in employment and other areas, and improving visas and other formal procedures for legal immigration.
Rep. Joaquin Castro, D-Texas, said on NBC's "Meet the Press" that critics are wrong to call the border crisis Obama's "Katrina moment" - something host David Gregory called unanticipated and "handled incompetently" - and to criticize Obama for not visiting the border while in Texas for fundraisers. "The fact is that this was not the president's last opportunity to get to the border," Castro said, adding:
"I think it 's important for him to go down there at some point ... to let people know that he personally is attending to the situation ... and also, David, to say thank you to the people of of Texas who have offered food, clothing, shelter, everything they can to these kids to be helpful.
House Judiciary Chairman Bob Goodlatte, R-Va.,whose committee has moved several immigration reform bills, said on "This Week" that Congress ought to approve only "targeted" spending on the border crisis, including for resources to hold unaccompanied children from Central America and send them home.
Goodlatte said Obama can do "an awful lot" without new spending, and should meet with Mexican leaders on what that country can do - especially to secure its own southern border with Guatemala.
Despite faulting Obama's funding request, Republican lawmakers concede that the situation requires a swift response. McCaul said:
"We have to act soon. It's a very tragic human crisis at the border, none like I've ever seen before.
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Are You Under Too Much Stress?
What You Can Do About It
Portions courtesy Helpguide.org and WebMD.com
Modern life is full of hassles, deadlines, frustrations, and demands. For many people, stress is so commonplace that it has become a way of life. Stress isn't always bad. In small doses, it can help you perform under pressure and motivate you to do your best. But when you're constantly running in emergency mode, your mind and body pay the price. You can protect yourself by recognizing the signs and symptoms of stress and taking steps to reduce its harmful effects.
What is stress?
Stress is a normal physical response to events that make you feel threatened or upset your balance in some way. When you sense danger-whether it's real or imagined-the body's defenses kick into high gear in a rapid, automatic process known as the "fight-or-flight-or-freeze" reaction, or the stress response.
The stress response is the body's way of protecting you. When working properly, it helps you stay focused, energetic, and alert. In emergency situations, stress can save your life-giving you extra strength to defend yourself, for example, or spurring you to slam on the brakes to avoid an accident.
The stress response also helps you rise to meet challenges. Stress is what keeps you on your toes during a presentation at work, sharpens your concentration when you're attempting the game-winning free throw, or drives you to study for an exam when you'd rather be watching TV.
But beyond a certain point, stress stops being helpful and starts causing major damage to your health, your mood, your productivity, your relationships, and your quality of life.
How do you respond to stress?
It's important to learn how to recognize when your stress levels are out of control. The most dangerous thing about stress is how easily it can creep up on you. You get used to it. It starts to feel familiar, even normal. You don't notice how much it's affecting you, even as it takes a heavy toll.
The signs and symptoms of stress overload can be almost anything. Stress affects the mind, body, and behavior in many ways, and everyone experiences stress differently. Not only can overwhelming stress lead to serious mental and physical health problems, it can also take a toll on your relationships at home, work, and school.
Stress doesn't always look stressful
Psychologist Connie Lillas uses a driving analogy to describe the three most common ways people respond when they're overwhelmed by stress:
- Foot on the gas - An angry, agitated, or "fight" stress response. You're heated, keyed up, overly emotional, and unable to sit still.
- Foot on the brake - A withdrawn, depressed, or "flight" stress response. You shut down, pull away, space out, and show very little energy or emotion.
- Foot on both - A tense or "freeze" stress response. You become frozen under pressure and can't do anything. You look paralyzed, but under the surface you're extremely agitated.
Signs and symptoms of stress overload
The following table lists some of the common warning signs and symptoms of stress. The more signs and symptoms you notice in yourself, the closer you may be to stress overload.
Stress Warning Signs and Symptoms
| Cognitive Symptoms | Emotional Symptoms |
- Memory problems
- Inability to concentrate
- Poor judgment
- Seeing only the negative
- Anxious or racing thoughts
- Constant worrying
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- Moodiness
- Irritability or short temper
- Agitation, inability to relax
- Feeling overwhelmed
- Sense of loneliness and isolation
- Depression or general unhappiness
| Physical Symptoms | Behavioral Symptoms |
- Aches and pains
- Diarrhea or constipation
- Nausea, dizziness
- Chest pain, rapid heartbeat
- Loss of sex drive
- Frequent colds
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- Eating more or less
- Sleeping too much or too little
- Isolating yourself from others
- Procrastinating or neglecting responsibilities
- Using alcohol, cigarettes, or drugs to relax
- Nervous habits (e.g. nail biting, pacing)
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Keep in mind that the signs and symptoms of stress can also be caused by other psychological or medical problems. If you're experiencing any of the warning signs of stress, it's important to see a doctor for a full evaluation. Your doctor can help you determine whether or not your symptoms are stress-related.
How much stress is too much?
How stressed are you?
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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
Ben Boerner
Texas Grain & Feed Assn.
Fort Worth, TX
Craig Rohrbach
Parmer County Cotton Growers
Farwell, TX
Dean Sasser
Farmers Coop Elevator Levelland, TX
Tony Williams Texas cotton Ginners' Association Austin, TX
Paul Wilson
United Cotton Growers 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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Quality Benefits and Plans
Keeping YOU the Priority
In our effort to provide exceptional health benefits, customer service and affordable rates, you can be assured that you are the priority when you call and that you will be assisted by knowledgeable staff members who can assist with positive service provision, adjustments and answer any questions you may have!
In today's uncertain financial environment, combined with the ever increasing cost of health care and health insurance, it is more crucial than ever that we are committed to providing our members with the benefits and coverages they need and generate additional revenues to offset cost increases.
TACT aids in providing group benefits to members in the agricultural industry. TACT provides quality life and health benefit plans and works to hold down future rate increases for participants.
We look forward to continuing to meet your needs with great service, outstanding benefits and SAVINGS - all for you!
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.
TACT - Dedicated Insurance Professionals
you know and trust...like Family.
Next Issue: August 5, 2014
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