Issue No. 79

January 20,  2015

 


 

We have marked the passing of another week in this new year. It is already speeding by! It is our sincere hope that 2014 holds good memories and that 2015 finds new challenges and opportunities rewarding.


 
Setting goals, making plans, keeping you as our focus. Goal setting and achieving those goals make us, to the degree that we can be, the masters of all that lies ahead. As the healthcare environment changes, TACT serves you and is working hard behind the scenes to move forward in a positive way. 


We are committed and are invested in YOU. You truly are partnered in healthcare decisions and with a coverage provider that is thriving. Not only serving you and your industry, but serving you and serving agriculture better in 2015. YOU are our focus. YOU are our business.

  

  

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

  


Who? How? Get to Know Us!

Who is behind the scenes? How does it all get done?


 

As we close out the year 2014, we take time to look back on our personal and professional accomplishments. We take time to evaluate choices and prepare for those needing our attention in the months ahead.


Each year, we at Texas Ag Coop Trust take note of where we could improve, where we can expand and where we would like to go. The last two years have brought much change to TACT, but with change has come growth! 

Serving YOU better in 2015. That is our goal. At the helm, I have a wealth of a support team each working with meeting YOUR needs as their goal. But, just how does it all get done and who is doing what? 


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. This past year, we welcomed Karen Worth, Anne Pinkert and Marcelo Aguilar to the TACT family! Working alongside myself, Cisti and Martha, all three bring a very extensive knowledge base and have worked with us through our years with various third party administrators. Yes, they already know us and you! I am excited for you to get to know them better!  I am excited for you to get a better behind-the-scenes look!

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! 2015 is going to be an exceptional year!

Get to know us!

Kimberly Holcomb
CEO/Executive Director

 


 


 


 


 

  

 Healthcare in the News

 

  

  Statements by Secretary Lew and Secretary Burwell on Preparing for the Upcoming Tax Season
 

  

Courtesy HHS.gov
In preparation for the 2015 tax filing season, the U.S. Department of Health and Human Services and the Treasury Department are putting in place resources to provide tax filers with the information and resources they need to get their questions answered.


Millions of Americans who get their health insurance through work are benefitting from the Affordable Care Act, and millions of others have signed up for the Health Insurance Marketplaces and received financial assistance to lower their monthly premiums.


Starting this year, consumers will see some changes to their tax returns.  While the vast majority of tax filers - over three quarters - will just need to check a box on their tax return indicating they had health coverage in 2014, people who have coverage through the Marketplaces, or decided not to enroll in coverage, should be aware of some additional steps that will be a part of the tax filing process starting this year. 

Consumers will have questions about this new process and the Administration is committed to providing the information and tools tax filers need to understand the new requirements. In the coming weeks, the Administration will launch additional resources to help consumers prepare for tax filing season, including online tools to help individuals connect with local tax preparation services and determine if they are eligible for an exemption.


Treasury Secretary Jacob J. Lew and Health and Human Services Secretary Sylvia M. Burwell released the following statements providing an overview of the consumer support and guidance their agencies will provide:


Treasury Secretary Jacob J. Lew:

"For the vast majority of Americans, tax filing under the Affordable Care Act will be as simple as checking a box to show they had health coverage all year.  A fraction of taxpayers will take different steps, like claiming an exemption if they could not afford insurance or ensuring they received the correct amount of financial assistance. A smaller fraction of taxpayers will pay a fee if they made a choice to not obtain coverage they could afford.  We are working to ensure that whatever their experience, consumers can easily access clear information since this is the first year they will see certain changes to their tax returns."


HHS Secretary Sylvia M. Burwell:

"Last year, millions of Americans purchased quality, affordable health coverage through the Marketplace, and the vast majority received tax credits that cut their monthly premiums.  This benefit, which in many cases helped make the cost of health care less than the cost of a cell phone or cable bill, enabled these consumers to enjoy the benefits of coverage throughout the year.  In the coming weeks, HHS will work with other agencies, tax preparers and community organizations to arm these consumers with the information they need to know as they prepare to file their taxes.   We will also be providing helpful tools so that the millions of taxpayers who qualify for an exemption can receive one."

While including health insurance information will become a routine step in filing taxes, this is the first time families will be asked to answer basic questions regarding their health insurance on their tax returns.  Most consumers - over three quarters - just need to check a box to indicate they have coverage.  Those with Marketplace coverage will receive a new form in the mail from the Marketplace - Form 1095-A - that they will use to reconcile their upfront financial assistance.  While those who can afford to buy health insurance and choose not to will have to pay a fee, individuals who cannot afford coverage or meet other conditions can receive an exemption.  


In the coming weeks, consumer-friendly tools and resources will be made available for those tax filers who have health coverage through the Marketplaces, those seeking an exemption, and those looking for information about the fee for those who could afford to purchase health coverage but chose not to.  General resources can be found at www.IRS.gov/ACA or https://www.healthcare.gov/taxes/.  A sampling of some of resources already available, include:

To reach consumers with the information they need to prepare for the upcoming tax season, the Administration will employ a variety outreach strategies.  Outreach and consumer education efforts will include:

  • Direct outreach to Marketplace enrollees. Through email, phone, and text messages the Administration will reach out to people who got coverage through the Health Insurance Marketplace with personalized information that is most relevant to their tax status.  We will focus on providing targeted messaging to consumers who benefited from an advanced premium tax credit last year to help them offset the cost of their Marketplace premiums.
     
  • Community-based outreach and in-person assistance. Working with community organizations on the ground, nonprofit organizations, Marketplace navigators and other in-person assisters, we will provide guidance and resources to consumers looking for answers.
     
  • Partnerships with top tax preparers. The Administration will continue to work with top tax preparers to provide consumers with the information they need to prepare for tax season.


 

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Agriculture News
  
Agriculture Officials Named 


Roberts Confirmed as Senate Ag Committee Chair

portions courtesy ag.senate.gov

As the Senate continues to formally dot the "i's" and 
cross the "t's" of its reorganization under Republican control in the 114th Congress, Sen. Pat Roberts (R, KS), whose
reelection last November was in serious trouble, was confirmed as chair of the Senate Agriculture Committee.

The action makes Roberts the first lawmaker to chair both the House and Senate ag panels, as well as the first to have
sat as ranking minority member of both committees.

Roberts says his priorities are oversight and hearings on Farm Bill implementation; review of USDA nutrition programs, including the Supplemental Nutrition 
Assistance Plan (SNAP), oversight and reauthorization of the Commodity Futures Trading Commission (CFTC), and grain
inspection issues. He also plans to keep a sharp eye on EPA, he said.

EPA Gets New Ag Counselor 
courtesy EE Publishing
Ron Carleton, Colorado deputy agriculture commissioner since 2012, has been named agriculture counselor to EPA Administrator Gina McCarthy, according to published reports. The ag counselor job is designed to ensure EPA rulemakings take into account impacts on food and agriculture production, and that the agency coordinates actions with USDA.

Carleton replaces acting counselor Allison Wiedeman, who works in the EPA water office. Wiedeman took over last year from Sarah Bittleman, a former senior advisor to Secretary of Agriculture Tom Vilsack, when Bittleman returned to the Hill as legislative director for Sen. Ron Wyden, as well as senior counsel on the Finance Committee where Wyden sits as 
ranking member.

Carleton is a Washington, DC, veteran, having served as chief of staff to former Rep. John Salazar (D,CO). Salazar is now Colorado ag commissioner following his defeat for reelection in 2010. He also held staff positions 
with Rep. Denise Majette (D, GA), Rep. Brad Sherman (D, CA), Rep. Martin Frost (D, TX), and Sen. Jack Schmitt (R, NM), according to the environment e-newsletter Greenwire. He holds a bachelor's degree from the University of Houston, a master's degree from American University in Washington, DC, and a law degree from George Mason University in 
Arlington, VA, where he was also an adjunct professor at Marymount University School of Business.


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 Healthful Hint

 

 
The new Get Fit Rules
 

  

Helping to Keep Your Resolution for Health and Fitness


 

Courtesy Fitness Magazine


Tips for Beginners

Whether you've been working out for two weeks or two decades, you're probably making 

mistakes that prevent you from getting optimal results. Here are some exercise dos and don'ts from top fitness pros.



 


 


 

If You're Just Starting Out

Do...

Work out every day. That's right, seven straight. "It's important for beginners to form an exercise habit. Doing something daily, even if it's small, helps with consistency," says Liz Neporent, a New York City-based trainer and coauthor of The Fat-Free Truth. For the best results, don't overwhelm yourself. Neporent recommends aiming for 30 minutes of cardio every day and strength training twice a week for two to three months, or until you feel that exercise has become an ingrained part of your daily routine.


Stay loose. Whether it comes from a lack of confidence or a determination to lose weight f-a-s-t, beginners are particularly prone to tensing up when working out. "If you're white-knuckle-gripping the bars on the bike and clenching your teeth, you're wasting a lot of energy," says Tina Vindum, founder of Outdoor Action Fitness in Marin County, California. "Relax the muscles you're not working, and focus on the ones you are. You'll have more energy and getbetter results."


Don't...

Get stuck on the treadmill. New exercisers often do the same routine for the same duration and at the same intensity every time they work out. "So you'll stay on the treadmill until you either die of boredom or get hurt," says Charleene O'Connor, an exercise physiologist at Clay fitness club in New York City. This bad habit gets reinforced because, as your workouts get easier, you're fooled into thinking you've become uberfit. In reality, your muscles have just grown accustomed to the challenge. Be sure to mix up your routine by varying your time and intensity and by cross-training on the bike or elliptical machine, or by going for a jog outside.


Be a slouch. Whether you're leafing through the latest gossip rag on the elliptical or curling dumbbells on a bench, straighten up. "Posture affects your mood as well as your performance," says Vindum. Slumping causes you to check out of your workout both mentally and physically. The less you focus during your sweat session, the less you'll receive in the way of benefits. Slouching also keeps you from breathing deeply, which is necessary for delivering the oxygen your muscles need to work at full capacity.


Tips for Regular Exercisers

Do...

Set new goals. It's easy for gym regulars to hit a slump and stop seeing the benefits or having the fun that kept them motivated in the past. Before you start dodging gym dates, find a new challenge: Sign up for a 5K, or plan an active vacation like hiking the Tetons or kayaking and surfing in Baja, suggests Steve Glass, PhD, of the Human Performance Lab at Grand Valley State University in Allendale, Michigan.


Breathe better. To improve your performance, focus on your breathing, says Vindum. "Inhale deeply during the rest phases of an exercise, and exhale forcefully in the work phases." Try inhaling to a count of three and exhaling to a count of three. A powerful exhale can help you generate more force, which means you'll be able to do more work.


Don't...

Skimp on shoes. Choose footwear for its functionality, not because it's stylish, says O'Connor. Inadequate shoes can lead to injuries, so go to a sporting goods or athletic-shoe store, where knowledgeable staff can fit you with shoes designed to support your feet during specific activities. If you wear your shoes regularly, make sure to replace them every three months. Though the treads might still be intact, the cushioning and support in the midsoles will likely have worn out by then.


Be unbalanced. Most regular exercisers are diligent about including cardio, strength, and flexibility in their routines, but they forget about balance, says Vindum. This critical skill allows you to move fluidly and avoid injuries. At the end of your workout, stand on one leg and lift the other out in front of you. Try to hold this for 20 to 30 seconds, then repeat with the other leg. When this move gets too easy, you can shake things up by closing your eyes, making circles with the raised leg, and/or standing on the edge of a step, balance disk, or Bosu.


Tips for Fitness Fanatics

Do...

What you hate. Many advanced exercisers don't like struggling with things they aren't naturally good at, so they avoid the exercises that really challenge them, says O'Connor. But those are the moves that help build a stronger, more balanced body and prevent overuse injuries. Whether you're avoiding squats, crunches, or stretches, add the moves to your routine two or three times a week.


Work out with someone slower. Once a week, exercise

with a buddy who moves at a more leisurely pace. You'll give your body a chance to regenerate, and maybe you'll even have a bit more fun. Fitness fanatics tend to exercise competitively: "That's why this group has a higher injury rate; they're always pushing as hard as they can," says Glass. "You need to take it easy periodically so your muscles can repair themselves and become stronger before your next workout."


Don't...

Be a slave to the numbers. Tracking your heart rate or running time can provide instant, valuable feedback; but when used obsessively, these tools can dampen the joy of exercise itself - or even make you push yourself when you're not feeling 100 percent. "Every now and then, go unplugged and focus your attention on what your body is telling you," advises Tim Church, MD, MPH, PhD, medical director of The Cooper Institute. Move at a pace that feels good, listen to your body, and enjoy the experience.


Eat like an Olympian. Energy bars and sugary sports drinks are necessities for top athletes who struggle to meet caloric demands out on the playing field. But unless you're training for the Ironman, a 200-calorie energy drink and a 300-calorie carb bar can undo all your hard work, says Neporent. Fuel up with three balanced meals and two light snacks, such as fruit and crackers, per day. Any more than that will just go to your waist.


 


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In This Issue
Health News - Statements on Preparing for the Upcoming Tax Season
Agriculture News - Agriculture Officials Named
Healthful Hint - The "new" Get Fit Rules
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Facebook Feature 
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Contact Us
Texas Ag Coop Trust
915 Austin Street
Levelland, TX 79336
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
Ag Producers Co-op
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


Texas Ag Coop Trust
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 Association
 
Texas Cotton Ginners Association
 
 

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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.

as a member of TACT

  • 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

2015 is HERE, picking up where 2014 left off 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 here and in force. 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.


 

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:  February 3, 2015
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