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Issue No. 108
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March 1, 2016
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Rain falling, wildflowers blooming, longer days, warmer days...Spring is in the air! What? February just ended - yesterday!
In any case, the spring season is around the corner and, just as spring and the Easter season bring about a sense of newness and refresh, TACT aims to bring about a new refresh in health care and insurance. Healthcare, health insurance, new medical research, disease prevention, drug treatments...it can all be very overwhelming. Thankfully, as a member participant with Texas Ag Coop Trust, you are a partner in healthcare decision making and you are partnered with a coverage provider that is thriving!
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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March is Colorectal Cancer Awareness Month
 Of cancers that affect both men and women, colorectal cancer is the second leading cancer killer in the Nation.
Colorectal cancer affects all racial and ethnic groups and is most often found in people age 50 and older.
If all men and women age 50 and older were screened regularly, 6 out of 10 deaths from colorectal cancer could be prevented. Communities, health professionals, and families can work together to encourage people to get screened.
Make a difference! Spread the word about strategies for preventing colorectal cancer and encourage communities, organizations, families, and individuals to get involved.
How can Colorectal Cancer Awareness Month make a difference?
We can use this month to raise awareness about colorectal cancer and take action toward prevention both at home and in the larger community. Here are just a few ideas: - Encourage families to get active together - exercise may help reduce the risk of colorectal cancer.
- Talk to people in your community about the importance of getting screened for colorectal cancer starting at age 50.
- Ask doctors and nurses to speak to people age 50 and older about the importance of getting screened.
Preventable. Treatable. Beatable. Colorectal cancer screening saves lives. It is one of only a few cancers that can be prevented through screening; among cancers that affect both men and women, colorectal cancer is the second leading cause of cancer-related deaths in the United States. The risk of developing colorectal cancer increases with advancing age. More than 90 percent of cases occur in people aged 50 or older. Building awareness is an important part of helping to increase screening and decrease mortality rates. Visit the National Colorectal Council Roundtable Website to learn more.
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HHS Proposes Changes to Confidentiality Rules
Proposed changes would facilitate health information exchange to support delivery system reform efforts while protecting the privacy of patients seeking treatment for a substance use disorder.
Courtesy - HHS.gov
U.S. Department of Health and Human Services (HHS) Secretary Sylvia M. Burwell announced proposed revisions to the Confidentiality of Alcohol and Drug Abuse Patient Records regulations, 42 CFR Part 2. The goal of the proposed changes, which will be published in the Federal Register on February 9, 2016, is to facilitate information exchange within new health care models while addressing the legitimate privacy concerns of patients seeking treatment for a substance use disorder.
"This proposal will help patients with substance use disorders fully participate and benefit from a health care delivery system that's better, smarter and healthier, while protecting their privacy," said Secretary Burwell. "We are moving Medicare, and the health care system as a whole, toward new integrated care models that incentivize providers to coordinate and put the patient at the center of their care, and we are modernizing our rules to protect patients."
The current rules governing the confidentiality of substance use disorder records, often referred to as "Part 2," were promulgated in 1975, during a time of great concern that the potential use of substance use disorder treatment information in criminal prosecutions would deter individuals from seeking needed treatment. These rules were last substantively updated in 1987. HHS is proposing to modernize the existing rules because new models are built on a foundation of information sharing to support coordination of patient care; the development of an electronic infrastructure for managing and exchanging patient data; and an increased focus on performance measurement and quality improvement within the health care system. HHS wants to ensure that patients with substance use disorders have the ability to participate in new integrated health care models without adverse consequences that could result from inappropriate disclosure of patient records. Due to its targeted population, the Part 2 rules provide more stringent federal protections for patients with substance use disorders records than most other health privacy laws, including the Health Insurance Portability and Accountability Act (HIPAA). In a previous Federal Register Notice published on May 12, 2014, HHS' Substance Abuse and Mental Health Services Administration (SAMHSA) announced a listening session, held June 11, 2014, to solicit feedback on the current regulations -- Confidentiality of Alcohol and Drug Abuse Patient Records regulations, 42 CFR Part 2. SAMHSA also accepted written comments until June 25, 2014. All the feedback received from the Listening Session was considered and helped to inform the development of this NPRM. HHS welcomes public comment on this proposed rule. Comments on the proposed changes may be submitted by using one of the methods outlined in the Notice of Proposed Rulemaking. To be assured consideration, comments must be received no later than 5 p.m. on April 11, 2016. All comments received by that deadline will be considered by SAMHSA.
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How Long Will Gasoline
Prices Last?
By AgWeb.com
Enjoying the lower prices at the gas pump? Good news - no major changes are anticipated through 2017, according to the U.S. Energy Information Administration.
While the latest EIA analysis suggests gas prices have hit bottom and will climb, it will not do so substantially, staying under $2.50 per gal. through 2017. EIA estimates the average retail price of U.S. gas will reach a seven-year low of $1.82 per gal. in February, and begin climbing slowly after that. National average retail gas prices are forecast to be $1.98 per gal. in 2016 and $2.21 per gal. in 2017. The national average retail gas price for 2015 was $2.43 and $3.36 per gal. in 2014.
EIA anticipates crude oil prices hitting lows in 2016 before rebounding in 2017. WTI crude oil is forecast at $37.59 a barrel and Brent crude oil at $37.52 a barrel. Both are expected to reach $50.00 per barrel in 2017. In January 2016, Brent crude oil prices were the lowest since December 2003.
Diesel fuel retail prices averaged $2.43 per gal. in 2015, with projections of $1.98 per gal. in 2016 and $2.21 per gal. in 2017.
For more energy cost projections, visit here
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Cold or Flu?
Know the Difference
Courtesy WebMD.com
When you wake up sneezing, coughing, and have that achy, feverish, can't move a muscle feeling, how do you
It's important to know the difference between flu and
 cold symptoms. A cold is a milder respiratory illness than the flu. While cold symptoms can make you feel bad for a few days, flu symptoms can make you feel quite ill for a few days to weeks. The flu can also result in serious health problems such as pneumonia and hospitalizations. What are common cold symptoms?
Cold symptoms usually begin with a sore throat, which usually goes away after a day or two. Nasal symptoms, runny nose, and congestion follow, along with a cough by the fourth and fifth days. Fever is uncommon in adults, but a slight fever is possible. Children are more likely to have a fever with a cold.
With cold symptoms, the nose teems with watery nasal secretions for the first few days. Later, these become thicker and darker. Dark mucus is natural and does not usually mean you have developed abacterial infection, such as a sinus infection.
Several hundred different viruses may
cause your cold symptoms.
How long do cold symptoms last? Cold symptoms usually last for about a week. During thefirst three days that you have cold symptoms, you are contagious. This means you can pass the cold to others, so stay home and get some much-needed rest. If cold symptoms do not seem to be improving after a week, you may have a bacterial infection, which means you may need antibiotics. Sometimes you may mistake cold symptoms for allergic rhinitis (hay fever) or a sinus infection. If cold symptoms begin quickly and are improving after a week, then it is usually a cold, not allergy. If your cold symptoms do not seem to be getting better after a week, check with your doctor to see if you have developed an allergy or sinusitis. What are common flu symptoms?
Flu symptoms are usually more severe than cold symptoms and come on quickly. Symptoms of flu include sore throat, fever, headache, muscle aches and soreness, congestion, and cough. Most flu symptoms gradually improve over two to five days, but it's not uncommon to feel run down for a week or more. A common complication of the flu is pneumonia, particularly in the young, elderly, or people with lung or heart problems. If you notice shortness of breath, let your doctor know. Another common sign of pneumonia is fever that comes back after having been gone for a day or two. Just like cold viruses, flu viruses enter your body through the mucous membranes of the nose, eyes, or mouth. Every time you touch your hand to one of these areas, you could be infecting yourself with a virus, which makes it very important to keep hands germ-free with frequent washing to prevent both flu and cold symptoms. Is it flu or cold symptoms?
How do you know if you have flu or cold symptoms? Take your temperature, say many experts. Flu symptoms often mimic cold symptoms with nasal congestion, cough, aches, and malaise. But a common cold rarely has symptoms of fever above 101 degrees. With flu symptoms, you will probably have a fever initially with the flu virus and you will feel miserable. Body and muscle aches are also more common with the flu.
Click here to view a table of symptoms to help determine whether you may have a cold or the flu.
To read featured health news
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weighing in...
New Blog Brings Fitness To You
TACT Joins Forces with
Biggest Loser
at-home Fitness Trainer

TACT is joining forces with a health and fitness mind affiliated with America's well-known Monday night weight loss challenge television show,
The Biggest Loser! Yes - you read that right - The Biggest Loser! You will have access to Zach Taylor, one of the most respected of trainers who has helped to train at-home contestants.
Recall Gina McDonald of NBC's Season 14 in 2012 - McDonald managed to win the at home cash prize of $100,000 by losing 114 pounds and 46 percent of her body weight during her time in the competition and at home. As part of our health efforts geared toward you, we now have a health blog, Curve Appeal, that will reach you EVERY THURSDAY! This blog features fitness, health tips and workout videos and is here to help inspire and further your health journey! And... it is being overseen by Zach! You now have access to one of the most respected of fitness trainers who helped to take one at home television contestant to the winner's podium! This is for you - we are for you! TACT reminds you that we are here to answer your health coverage questions and we are also here to help manage your health and health habits!
You will want to  You won't want to miss all that we have in store for you in the months ahead!
Note: If you missed it - check Curve Appeal out here!
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Contact Us
Texas Ag Coop Trust
915 Austin Street
Levelland, TX 79336 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 Ag Producers Co-op Sunray, 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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Your Health Care Needs
The Importance of Choosing an In-Network Provider
 The TACT health coverage plan allows you to see any doctor in your Plan Administrator's network, including specialists, without a referral. This means that you have the freedom to choose a physician or specialist without first seeing a primary care physician. There are two levels of coverage under the Plan. If the doctor, hospital or health care facility you visit is part of your insurance company's network (Cigna), you'll get your health care at lower prices. But, if you go to out of network for health care, it can become a lot more expensive!
IN-NETWORK: Providers have contracted with Cigna to accept certain negotiated rates. YOU WILL PAY LESS! OUT-OF-NETWORK: Providers have NOT agreed to the discounted rates. Examples: You go to an in-network doctor and the charge is $250. A discount is applied to that amount for our negotiated rate with the doctor - $75. TACT/TABA pays $140. You'll have to pay the remaining $35 - your copay amount for each doctor you see within the Cigna network. If you go to a doctor that's out of network, no discount is applied to the total. TACT/TABA still pays $140, but you'll be responsible for the remaining $110. You have the right to take an active role in containing your health care costs. For more information, or for questions locating an in-network provider, please call Texas Ag Benefit Administrators at 806-747-7894.
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.
TACT - Dedicated Insurance Professionals
you know and trust...like Family.
Next Issue: March 15, 2016
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