March LuncheonMarch Luncheon

The votes have been counted, and we are moving our luncheons to The

Hess Club starting in March. We will no longer be meeting on the 3rd

Wednesday of the month, but on the SECOND WEDNESDAY OF THE

MONTH. That means the luncheon will be on March 14th, NOT the 21st.

MarchMarch

H

AHU

ERALD

March

2012

A Monthly Publication of the Houston Association of the Houston Association of Health Underwriters

CE for March Luncheon:

Providing Health Services to African Americans –

Course #84192

Provider: Compass Resources, Inc. Provider #33474

Educator: Corliss Hill, MPA

As the National Director of Multicultural Marketing at UnitedHealthcare,

Corliss leads the company’s Generations of Wellness® initiative, which is

designed to improve the health outcomes of African Americans by provid-

ing wellness education and access to quality health care services. In this

role, she also develops national strategies to support business growth and

brand awareness; including advertising, marketing and public relations

campaigns. Her goal is to help change the face of health among African

Americans and close the gap on disparities that disproportionately impact

this community.

President's Desk 2

March Lunch Menu

3

BenefitMall Ad 3

Dental Select Ad 4

Legislation 5

Disclaimer 5

Ad Rates 5

February Luncheon

Photos 6

Luncheon Sponsor 7

Education 7

Calendar 8

Show Your Stuff 8

HR&P Ad 9

401k Questions 10

Membership 11

Golf Tournament 12-16

Board of Directors 17

CE Credit Form 18

TAHU Convention

Registration Form 19

HAHU Membership

Form 20

In

This Issue

Texas Association of Health Underwriters 24th Annual Convention

This year’s TAHU Convention is scheduled for April 26th and 27th in Corpus Christi. The

venue is the beautiful Omni Bayfront Hotel. You will want to attend this event for many rea-

sons. Members will have the opportunity to earn a total of 8 hours Continuing Education (CE).

Anyone who currently has the Small Group Specialist designation (SGS) should plan on taking

the 5 hour renewal CE; SB79 Certification Renewal will be provided for the first time since the

original course was given here in Houston at the 2010 Convention. There will be exhibitors, gen-

eral sessions, Chapter Leadership Training, the Hollis Robertson Award Dinner, and Casino

Night.

Potential Sponsors/Exhibitors are able to have a booth for $850. You get an 8 x 10 booth and

tickets for two attendees. The convention expects the attendance to be north of 350 brokers and

carriers from all areas of Texas.

Corpus Christi is a family oriented town with plenty of other sites to see. Plan on bringing your

family and stay an extra night or two to take in the sights or relax on the beach. The weather is

going to be great. Houston needs to pony up and ride down the trail to the Annual State Con-

vention.

You can find an attendee registration form on page 19. More details can be found at the TAHU

website, www.tahu.org.

Important Announcement:

The HAHU Board Nominations deadline has been extended from 3/1/12 to 3/31/12 after a special vote of

Board Members. Stay tuned for further updates!!!!!!!

Page 2 MARCH 2012

Your Ad Could Be Here!!

Contact Crystal Hoffman at crystal@hoffmanig.com

for more information.

From the President’s Desk

by Terrell Rogers

MARCH 2012 Page 3

March Luncheon Menu

Register at www.HAHU.org

CHOICE OF TWO ENTREES

Toscano Chicken on a bed of Angel Hair Pasta

Served with Zucchini Medley

Blackened Tilapia

Served with Vegetable Medley (gluten free)

Both entrees served with Garden Salad / Key Lime Pie / Iced Tea

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

- - - - - - -

Page 5 MARCH 2012

Legislation by Lonnie Klene

Essential Health Benefits – What are they? While this may seem to be pretty simple to define, in De-

cember HHS issued a bulletin giving states the authority in setting these for its residents. HHS has de-

cided that each state must establish a benchmark plan that includes services in 10 specific categories:

Ambulatory patient services

Emergency services

Hospitalization

Maternity and Newborn Care

Mental Health and Substance Abuse

Prescription drugs

Rehabilitative and habilitative services and devices

Laboratory services

Preventive/wellness services

Pediatric services (including oral & vision care)

The wise ones have decreed in PPACA that HHS define essential health

benefits to reflect the “typical” employer plan. As agents representing

tens of thousands of employers, I am sure we can agree that there is no “typical” employer plan. The benefit plan in place

for the “typical” law firm is drastically different from the “typical” plan in place for a machine shop or dentist’s office or oil

field supply company. So, IMHO, it’s no wonder HHS is passing the buck to the states.

HHS’s suggestion for a default plan? The benchmark will become the largest plan by enrollment in the largest product in

the state’s small group market. I suppose that is as good as anything else they could have used.

I’m sure we can all see potential problems similar to what has been going on recently with the HHS requirement that all

plans include “free” (don’t ya love that word?) contraceptives. I confess that I didn’t see this as a religious issue, I saw it as

an inclusion of coverage that many of us don’t need or want, but are now forced to pay for. And as our population ages

(10,000 baby boomers turn 65 each day), I am confident there are quite a few people who will share my opinion. So,

what’s next? I can’t imagine what the “typical” premium will be if all of the above “essential” services are “free”.

HAHU members Travis Middleton and Lonnie Klene were invited

to attend the HealthCare Leadership Council’s meeting with Con-

gressman Kevin Brady.

February Luncheon Photos

Left—Terrell Rogers, HAHU President, addresses

luncheon attendees at February Luncheon.

Right—George Moody

(Lunch Speaker), Melanie

Rogers, Angela Moore and

Terrell Rogers pose for pic-

tures during the February

luncheon.

Left— Attendees for February HAHU luncheon.

Right—Ben Keel and Ralph Coatsworth enjoy

the wonderful food and fellowship at Febru-

ary’s luncheon.

Page 7

March Luncheon SponsorMarch Luncheon Sponsor

MARCH 2012

Professional Development Day

We are currently planning a “Professional Development Day” for the Spring. Stay tuned for

more information in upcoming issues.

Association CE Credit

Many agents may not know that up to four hours of continuing education credit can be earned by an agent who is an active member of a state or national insurance association. For information about how the credit can be earned, you can review Chapter 4004.0535 of the Texas Insurance Code and §19.1011 and new §19.1020 of the Texas Administrative Code. The form can be found at: http://www.tdi.texas.gov/forms/lhllicensing/LHL617reqassocc.pdf and on page 18 of this publication.

REMINDER:

You must have your Agent’s License Number and Renewal Date to receive credit for CE. Agents are supposed

to carry their licenses at all times, so please carry your license or at least place your number and renewal

date in your cell phone so you can retrieve it. “NO number and renewal date, NO CE Credit!”. We will not

look up your number for you!

**Check Sircon.com for info on your CE credits—What you have and what you need!

Education Requests and Ideas:

Please forward any requests and suggestions for desired CE topics and speakers to stacey.bevil@mhealthbenefits.org. Our goal is

to provide you meaningful, exciting, and relevant speakers and topics. Your input is valuable in helping us achieve that goal.

THERE WILL BE NO MARCH AFTER-LUNCH CE!!!!!

Education by Stacey Bevil

A big THANK YOU to our luncheon sponsor,

Ms Gentrie Pool with IIS Benefit Administrators!

Calendar of Events

MARCH 2012 Page 8

Lunch Sponsorship is a great way to

“Show Your Stuff”

to the largest chapter in the country.

Lunch Sponsorship Package: Includes strategically located table to display your

literature, a 3-5 minute commercial during the luncheon, one lunch, an opportu-

nity to offer a door prize, a newsletter stuffer AND a banner on the new HAHU

Website!

All of this for only $300!

MARCH

6 4:00 PM HAHU Board Meeting HARCO**

14 Noon HAHU Luncheon The Hess Club***

APRIL

3 4:00 PM HAHU Board Meeting TBA

11 Noon HAHU Luncheon The Hess Club***

MAY

1 4:00 PM HAHU Board Meeting TBA

9 Noon HAHU Luncheon The Hess Club***

**HARCO Insurance Services, 10777 Northwest Frwy., Suite 800, Houston, TX 77092

*** The Hess Club, 5430 Westheimer, Houston, TX 77056 Register for any of these events at www.HAHU.org !

* All members are welcome to attend. Please check with Kathi Sandler regarding last minute changes to dates, times or location.

DYFH8-6DGR3-3X3CJ-FRXT9-C8QMJ

A financial advisor goes out to a small business owner and presents three options for a 401(k) record-keeper. He talks about

each of the record-keepers’ due diligence on the funds, the investment fees, the enrollment material, and the website. There is a

lengthy and robust discussion about the pros and cons of each record-keeper. At some point in the process, the financial advisor

explains that a third party administrator (TPA) will do the plan document, Form 5500/Form 5500-SF, and the IRS-required nondis-

crimination testing. Usually the time spent on the choice of TPA is minimal, but sometimes a representative of the TPA attends the

meeting.

How did that 401(k) TPA come to be proposed to that particular business owner? Did the financial advisor complete due diligence

on multiple third party administrators and choose the TPA best-equipped to meet that particular business owner’s needs? That cer-

tainly happens sometimes, but it is usually not nearly that scientific. In some cases, the financial advisor has a single TPA he pre-

fers and whom he has used for years. In other cases, the record-keeper dropped a fee sheet into their proposal for a TPA without

consulting the financial advisor at all.

Did the record-keeper complete due diligence on the TPA’s in their TPA database? Did they match the TPA to the client? Most

record-keepers complete at least some minimal due diligence when a TPA is added to their database, but in most cases, the scope

of the due diligence is extremely limited, and frequently the due diligence is not updated. As far as the record-keeper’s selection of

TPA, sometimes there indeed was a real effort to match the business owner’s need to the appropriate TPA. In other cases, the re-

cord-keeper’s recommendation may be influenced by their preferred TPA relationships. Sadly in some cases, the record-keeper’s

selection may be influenced by their desire to sell a minimum number of cases with multiple TPAs, and they need to place plans

with a certain TPA to get them to that minimum.

The choice of 401(k) TPA does matter. The TPA works with the client on important compliance issues, and when the relationship

is bad, the business owner does not get the advice and services he needs in a way he can understand. Some plan sponsors only get

concerned about the selection of the TPA after there has been a meltdown with their TPA. At the point of meltdown, the business

owner is furious, and the financial advisor looks bad for recommending the current TPA. Nationally, there are a lot of great

TPAs. Business owners need to ask questions to make sure that they are getting one of these great TPAs and that the specific

TPA’s personality is a good fit for the business owner’s personality and needs.

Webinars and Live Seminars: Visit our website at www.Nova401k.com

for a complete 2012 Webinar and Live Seminar schedule!

Page 10 MARCH 2012

Classifieds

HAHU posts – at no charge to members – job opportunities for our members on the HAHU website, www.hahu.org.

Under ‘Resources,’ click on “Classifieds.” Ads are initially run for three weeks, but can be extended, so the ads should

be current. We hope that all members needing employees will post their ads here, knowing that the applicants, as

HAHU members, will be the cream of the crop. And members looking for a new position don’t have to rely on word of

mouth or Internet postings, local newspaper classifieds, etc. Check it out!

Sadie A. Hooker, CPC, QPA, QKA, QPFC

Questions To Ask a 401-K TPA Questions To Ask a 401-K TPA

march 2012 Page 11

Membership Notes by Sarah Kramer

Welcome New Members:

Matthew Horn

Sponsored by Crystal Hoffman

Katie Stone

Sponsored by Lonnie Klene

Anabel Fuentes

Sponsored by Lonnie Klene

Anniversaries:

FIRST NAME LAST NAME JOIN DATE

Nancy Lapham 3/1/1991

Casey Rowe 3/25/1997

Marsha Williams 3/11/1999

Peter Vanderlofske 3/15/2001

Elizabeth Austin 3/23/2001

Honey Leveen 3/3/2006

Megan Miller 3/10/2006

Daniel Jenkins 3/6/2007

Don Jones 3/6/2007

Jamie Walsh 3/6/2007

Karen House 3/28/2007

Lisa Rowland 3/28/2007

Katherine Tatar 3/30/2007

Scott Yokley 3/6/2008

John Patton 3/4/2010

Misty Carrion 3/10/2010

Tariq Shaikh 3/11/2010

Charles Sharp 3/15/2010

Alan McCormick 3/16/2010

Sherrell Littrell 3/26/2010

Stacy Flores 3/7/2011

Lynn Clark 3/8/2011

Felicia Boudreaux 3/22/2011

Members, Future Members, and Guests!

It is time to start thinking about becoming involved in this year’s annual golf tournament. We have con-

tracted with Sweetwater Country Club to be the course for this year’s event and are very excited about

the opportunity to have a day of fun with our carriers, vendors, clients, and friends, while at the same

time raising money for our chosen charity. As most of you know, we traditionally donate a portion of the

proceeds to fund scholarships and this year have chosen to support the Ken Martin Scholarship Fund and

Hope Village.

Please put on your thinking caps and decide how you would like to support our scholarship funds,

HAHU, and all that it participates in and supports on the local, state, and national levels. We are actively

seeking volunteers to help with the event and, of course, asking for sponsorships and participants. We

look forward to your participation and we thank you for your support of our industry and the the Houston

Association of Health Underwriters.

Page 12 MARCH 2012

2012 Golf Tournament Coming in April

by Craig Splawn

Page 13 march 2012

Page 14 march 2012

Page 15 march 2012

SOLD

Texas Department of Insurance

Licensing Division, Renewals, Appointments & Continuing Education

Mail Code 107-1A • 333 Guadalupe • P. O. Box 149104, Austin, Texas 78714-9104

512-322-3503 telephone • 512-490-1054 fax • www.tdi.state.tx.us

REQUEST FOR ASSOCIATION CREDIT ACCEPTED BY TDI

See 28 Texas Administrative Code § 19.1011(f)(g) and § 19.1020

Holders of National Professional Designations may claim credit for reviewing educational materials from the National Designation

Sponsor or attendance at presentations of the National Designation Sponsor.

Current members of state or national insurance associations may claim credit for reviewing educational materials from the state or

national insurance association or attendance at presentations of the state or national insurance association.

Up to two hours may be claimed for reviewing educational materials. Up to four hours may be claimed for attendance at presenta-

tions. The content must be insurance or insurance-related.

A maximum of four hours total may be claimed once per licensing cycle. The hours claimed, no matter how earned, count

toward the licensee’s required Continuing Education as Self-Study credit.

Texas Association C.E. credit requested by: _________________________________________________________

PRINT CLEARLY PLEASE (Licensee Name)

_____________________________________________________________________________________________

(City) (State) (Zip Code)

__________________________________________ ________________________________

(Licensee’s Telephone Number) (TDI License Number)

(Licensee’s E-mail Address) ______________________________________________________________________

Current member of: ____________________________________________________________

Holder of National Professional Designation: _________________________________________

Publications reviewed or educational presentations attended Reviewing/Attending Date

----------------------------------------------------------------------------------------------------------------------------------

----------------------------------------------------------------------------------------------------------------------------------

I affirm that I hold the above National Designation or am a member in good standing of the above state or national association and

have completed at least the hours claimed in the named activities.

_______________________________________________ _______________________

Signature of License Holder Date

LHL617 Revised 02/2010

(Please be specific. May continue on another page) Hours

___________________________________________________________________________________________________________

Last Name First Name Designation

___________________________________________________________________________________________________________

Company Title Referral/Sponsor

___________________________________________________________________________________________________________

Mailing Street Address City State Zip

___________________________________________________________________________________________________________

Telephone Fax ** Work E-Mail Address

___________________________________________________________________________________________________________

Home Street Address (for legislative purposes) City State Zip Committees I’d like to help on:

Dues: Monthly - Bank Draft or CC Charge or Single Payment

$36.25 $435.00

Form of Payment: Amount: ______ [ ] Monthly Draft (please select one) [ ] Checking Account [ ] Credit Card [ ] Check (payable to NAHU) [ ] Annual Credit Card (please select one) [ ] Visa [ ] MasterCard [ ] Am Ex [ ] Discover

Bank Draft/Credit Card Authorization Form:

I (we) hereby authorize NAHU to initiate debit entries to my (our) account as indicated. - Monthly debits will equal one-twelfth of any current applicable national, state or local dues. - (Please include a voided check from the account to be drafted, or write credit card number below)

____________________________________________________________________________ Name (as it appears on the check or credit card) Routing Number Bank Account Number

____________________________________________________________________________ Credit Card Number Exp. Date Security Code Signature

Send To: HAHU P.O. Box 31475 Houston, TX 77231 (713) 520-5720 Fax 713-583-2858

www.hahu.org

Houston Association of Health Underwriters

Membership Application

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