Hafa 2015 Summit

HEALTH AGENTS
FOR AMERICA
2015 ANNUAL SUMMIT
Hotel Monteleone
New Orleans, Louisiana
August 13-14, 2015
B. RONNELL NOLAN, HIA

HAFA PRESIDENT/CEO
Welcomes you
HAFA Agents are Freedom Fighters located across the United States.
Together, we will insure our place and continue to assist
consumers in making educated health insurance decisions.
HAFAS MISSION:
To provide continuing education, training, information from State and Federal

Government (real-time), on-going support, a VOICE and a place at the table for
Independent Agents across America.
e would like to thank you for attending the 3rd

annual HAFA Agent Summit. We are very excited about the dynamic speakers and amazing sponsors
at this years Summit. HAFA takes pride in providing our
members with the tools you need to survive and prosper!
Please take time to visit with each one of our sponsors, as
they each have products that can add additional revenue.
HAFA continues to grow and currently serves Agents &

Brokers in 38 states. I would like to thank HAFAs Executive Assistant, Maggie Mae Nolan for her dedication to
our growth, as the fastest growing Agent Association in
the Nation.
In addition, the success of this Summit would not have

been possible, without our Chairmen, Mr. Charles Giardina and Mr. Peter Maunior. I would also like to thank
the Summit Committee: Sandy Davis, HAFAs Education VP; Jennifer Zimmerman, HAFA-PAC Treasurer;
Trish Freeman, HAFAs Presidential Board Member and

HAFA Members Suzanne Moore & Dorothy Medica.
HAFA will continue to strive to bring you products and

tools at a discount to assist you in survival in this new
market. We also promise to be your voice, provide education and be your partner, as we work through this new
territory. I remain, Your Advocate!
B. Ronnell Nolan, HIA, CHRS
President/CEO
Maggie Mae Nolan

Executive Assistant
Michael J. Keegan, CHRS

Consultant
WE, THE AGENTS...

Are Licensed
Are Trained
Are Committed
And Are Free
Guiding you through the health care process every step of the way!
In order to form a more perfect industry, establish transparency, ensure a place at the table, provide for the misled
insured, promote greater understanding and secure the health care industry for ourselves and our clients, do ordain
and establish this mission for our nation with the help of Health Agents For America.
2015 HAFA SUMMIT AGENDA
AUGUST 13, 2015
10:45AM 11:45AM: Strategically Communicating with Employees about Healthcare Reform - What They

Dont Know Can Hurt You
7:00AM 8:00AM: Registration, Coffee & Pastries
The Affordable Care Act creates a whole host of new employee reporting and disclosure requirements. It also provides employers with a good opportunity to demonstrate to employees
the value of the benefits they are receiving. Active coordination and participation between
both parties will create a more efficient ease of transition in this significant reform adaptation period. In this session, you will learn:
8:00AM 8:30AM : Welcome US Senator Bill Cassidy (LA), Insurance Commissioner Jim Donelon,
Liberty Tax Service, Diamond Sponsor

8:30AM 9:30 AM: Fiduciary Fundamentals & Risks: Understanding Your Responsibilities (& Liabilities)
Understanding PPACA starts with a basic understanding of what ERISA requires. After all,
existing rules under ERISA formed the building blocks for health care reform. Moreover, an
inadvertent ERISA or PPACA violation could expose the plan or its fiduciaries to massive liability. This session will cover background information intended to help form a basic understanding of ERISA principles, including:
What is a welfare benefit plan
What is a group health plan
Exceptions in for HIPAA excepted benefits and retiree only plans, and other common
exemptions
What are the plan document and participant communication requirements for welfare
plans
What claims and appeals requirements apply to ERISA group health plan
What penalties apply for ERISA violations and how are these penalties incorporated for
violations of PPACA
Recent changes to claims and appeals due to the ACA
Penalties for noncompliance
9:30AM 9:15AM: ACA Practical Considerations & Litigation Avoidance

As employers struggle with technical compliance, there are a number of litigation hazards
that must be considered in implementing PPACA. From employee communications to the
provision of mandated benefits, employers and ERISA plan fiduciaries have litigation exposure under PPACA. Moreover, as employers realign their workforces to avoid a penalty under
PPACAs employer mandate, they may be opening themselves up to a significant litigation
downside that includes awards of special damages, emotional distress, back pay, reinstatement and other remedies. In this seminar you will learn:
The causes of action available to employees seeking mandated benefits and strategies to
avoid those actions
Claims to mandated benefits
How to develop an employee communication campaign that addresses key PPACA concerns while avoiding unnecessary litigation exposure
The litigation risks inherent with workforce realignment and how to minimize those
risks
How to develop an audit and settlement strategy
10:30AM 10:45AM: (Break)
How to determining where you are in the communication process

What notices are required (including the SBC, the annual limit waiver, the grandfathered
notice, and W-2 reporting) 6055 and 6056 reporting
What the timing requirements are for these new notices
The penalties for failure to report
When electronic communication makes sense
Strategic opportunities presented by the Affordable Care Act notice requirements Issues
with delivery, can you send out electronic versus hard copy documentation
11:45AM 12:45PM: (Lunch)
12:45PM 1:45PM: Legalities of Implementing Wellness Into a Self Funded Plan

This session will outline the key legal requirements that need to be considered when planning to implement a corporate wellness program. The rules and regulations required by HIPAA and ADA will be addressed, as well as the impending changes brought about by PPACA.
The session will provide the knowledge and guidance needed by first time and long time
managers of corporate wellness programs.
1:45PM 2:45PM:
A Deep Dive Look at Employee Measurement and Stability Periods

This session will take a deep dive into the employer mandate, exploring whether or not the
business is subject to the employer mandate including how this is measured and other factors that affect the determination. This session will go deep into controlled groups and take
a specific look at the measurement and stability periods including:
Controlled Group Rules including aggregation under Controlled Group Rules
Parent Subsidiary Controlled Groups
Brother-Sister Controlled Groups including Combined Parent-Subsidiary and Brother-Sister Groups
Rules Associated with Family Attribution
Counting Hours of Service and Special Rules for Employees of educational organizations,
Volunteers and Student employees
Measurement & Stability Periods
Special Rules for Breaks in Service
2:45PM 3:45PM:
(Break)
3:45PM 4:45PM:

4:45PM 5:00PM:
The Game of Jeopardy - How Much of the Days Events Did You Retain?
Expect Prizes, Competition and lots of fun!
4:30PM 5:30PM:
Meet in the Lobby to Proceed to the Reception Spirits the Resurrection
Closing

AUGUST 14, 2015
8:00AM 8:30AM: Registration, Coffee & Pastries
8:30AM 8:45AM:
Welcome
8:45AM 9:15AM:

Practice Management for Health Agents - The Successful Use of Social Media
Wayne Sakamonto, President - Health Insurance Interactive, Inc.
Many of Americas best insurance agent and benefit broker are managing their business at
various levels of intensities. Yet many agents have not thought much about the future of how
they plan to manage their customers expectations in the new era of healthcare reform and
Millennials. This CE session will be an interactive presentation on best practices & practice
management for insurance agents focused with employee benefits. The focus will be heavily engaged in the area of technology, security, cloud based computing. With an enormous
amount of technological choices, the importance of productive insurance agents & benefit
brokers attending this session will allow them provide feedback of their experiences with the
vendors of choice as it relates to customer satisfaction and effective workflow. And even
basic essentials of starting with a clean office, creating a solid pipeline of opportunities, to
scheduling on a workout somewhere in the day will be important ingredients to the mix of
the work day.
9:15AM 10:15AM: ACA Compliant or Complacent?

Dr. Kristen L. Kahle, CHRS, DBA, MBA, BA - Founder & CEO - Navigate HCR
Learn about Employer Shared Responsibility- 4980H A and B; the DOL Audit Checklist and
Guidelines; ACA Rules of the Road- establishment of plan within the guideline of the Affordable Care Act; Model Language Notices and Communications to Employee and Employer;
IRS reporting Functionality.
10:15AM 11:15AM: A Brave New World, Healthcare in a Post King v Burwell Environment

Michael J. Keegan, CHRS - Director, Policy & Regulatory Affairs at National Community

Pharmacists Association & Public Affairs Consultant at Health Agents for America, Inc.
Overview and Analysis of the King v Burwell Decision; Review of Legislative/Regulatory Proposals in Response to King Decision; Implications of King Decision on Insurance Marketplace;
Which way Health Reform?; Opportunities for State-level Reforms; Conclusion
11:15AM 12:15PM: What do Agents Need from Carriers/CMS/the Marketplace

A Round Table Panel Discussion
Facilitator: Michael J. Keegan. Panelist: Angie Surra - HAFA-PA; Jeff Miles - HAFA-CA/
TN, James Napoli, Attorney, Dr. Kristen Kahle - Dr. ACA, Don Massad - HAFA-LA
The panel will represent successful Agents/Brokers from across the country, an Attorney, a
Doctor and a CMS representative has been invited. Discussion will surround, the branding of
the Agent/Broker, how to we succeed post ACA, tricks of the trade, rebating, legal fund, marketing, commissions and anything else you would like to discuss.
12:15PM 12:30PM: Closing
The Premier ACA Enrollment Platform,

leaving the competition behind!
Special $49.00 per month* pricing (with $0 startup
cost) for active HAFA members
Very special $39.00 per month* pricing (with $0
startup cost) for HAFA Agent Summitt attendees
Quoting and Enrollment begin October 1, 2015 and is
supported with a 30 day money back guarantee.
*Rabbittapp regular pricing is $69.00 per month with a $69.00 setup fee
HAFA SUMMIT SPONSORS
HAFA SUMMIT SPONSORS
DIAMOND SPONSOR
SILVER SPONSORS
PLATINUM SPONSOR
GOLD SPONSORS
BRONZE SPONSORS
SUMMIT SPEAKER BIOS
SUMMIT SPEAKER BIOS
Bill Cassidy, US Senator from Louisiana
Dr. Kristin L. Kahle, CHRS

Dr. Bill Cassidy is a Senator from Louisiana. He is a physician, a teacher, a community leader, a father
and a husband. Bill grew up in Baton Rouge, Louisiana and attended Louisiana State University (LSU) for
undergraduate and Medical School.

For nearly three decades, Bill has provided care for uninsured and underinsured patients in Louisianas charity hospital system. In 1990, Bill joined LSU Medical School following his tenure at Earl K Long
hospital, where he taught medical students and residents while treating the uninsured.
James Jim Donelon, Commissioner of Insurance from Louisiana

Prior to becoming Commissioner of Insurance, Jim Donelon served the Louisiana Department of
Insurance in leadership positions as Chief Deputy Commissioner and Executive Counsel. He was a Jefferson Parish Council Chairman & a State Representative.

Jim was born in New Orleans. He is a graduate of Jesuit High School, the University of New Orleans
& Loyola School of Law. Commissioner Donelon retired as the State Judge Advocate after 33 years of
service in the Louisiana Army National Guard.
Jim is immediate past President of the National Association of Insurance Commissioners (NAIC). He
serves on the Executive Committee of the NAIC and is chairman of its Surplus Lines Task Force.
Angela Surra, CISR, CLTC, CIC, CHRS

Angela Surra is the General Manager of St. Marys Insurance Agency, Inc in St. Marys Pennsylvania
with a total of six locations and 40 employees. Obtained the following professional insurance industry
designations: Certified Insurance Service Representative (CISR), Certified in Long Term Care (CLTC), Certified Insurance Counselor (CIC) and Certified Healthcare Reform Specialist (CHRS) and am licensed for
Property, Casualty, Life, Accident, Health Insurance, Series 6 and 63 Securities Licensing in Pennsylvania,
Property & Casualty NonResident License for New York. I have been in the insurance business and with
St. Marys Insurance since 1997.
James Jim Napoli

Jim Napoli is Partner at Seyfarth Shaw LLP in Washington, DC. Jim has nearly 20 years of experience
counseling employers of all sizes on substantive employee benefit matters. Recognized by US Legal 500
as a leading lawyer in his field, Jim is adept at quickly identifying, analyzing and resolving employee benefit issues with an eye toward, both, substantive legal compliance and litigation avoidance.

In addition to his litigation practice, Jim partners with clients to assist them in the design, implementation and maintenance of their employee benefits programs. He also is experienced in representing clients before the IRS. Jim is a prolific writer and speaker on all things employee benefits. He speaks before
local, regional and national groups regarding various employee benefit matters. He has been quoted or
had articles published in a number of national publications. Jim is a member of the Health and Welfare Task Force of the American Benefits Council; the Employee Benefits Committee of the Labor Section of the American Bar Association; the Steering Committee for the Healthcare Reform Center and Policy Institute; and the Steering Committee for the Public Health Law and Policy
Health Law and Policy Center at University of Akron School of Law.
Jeff Miles, CHRS

Jeff Miles is a 36-year veteran of the healthcare & insurance industries, acting as consultant, broker,
and plan administrator for employer plans as President and Founder of The Miles Organization.

In 2007, famed Washington-insider and columnist Robert Novak pronounced that Jeff Miles is an
oracle of health care!

We are the exclusive broker for AICPs Producers Health Benefits Plan, and Cast & Crews Open
Health plan along with our partner, The Henehan Company.

Dr. Kristin L. Kahle is the founder and CEO of NavigateHCR., a company that is focused on Healthcare
Reform (HCR) compliance solutions for brokers and employers. Kristin spent 20+ years as a benefits
broker and has always been dedicated to educating her groups and helping them develop best practices.
Kristin is a nationally recognized speaker for insurance advisors as well as employer groups. She spoke
in 2014 at the Benefits Selling Expo in Colorado Springs, as well as at the Most Influential Women in Benefits Advising, where she also earned an award in October 2014. Additionally, she will be speaking at the
Benefits Technology Summit for benefitsConnect, in 2015.
Wayne Sakamoto

Wayne Sakamoto is the President of Health Insurance Interactive, Inc., a holding company of over
200 insurance related portals providing personalized and online health insurance services to businesses
and individuals, in Florida, the US, and worldwide. As an independent agent and Internet entrepreneur,
Wayne has launched successful health insurance websites, such as www.InternationalHealthPlans.com
and www.HealthInsuranceMarketplace.com.

Wayne was named Insurance Person of the Year by the Florida Association of Health Underwriters
and received the 2014 David Saltzman Award for Journalism. He also served on Collier Countys Health &
Human Services Committee identifying health care resources for the indigent population and addressing
concerns regarding the delivery of healthcare services in Southwest Florida. Currently, he is the Communications Chair for the
Florida Association of Health Underwriters and a proud HAFA member. He is a past Media Relations Chair for the National Association of Health Underwriters and a Past President of the Florida Association of Health Underwriters. Wayne resides in Naples,
Florida with his wife Patricia Richmond, who is the Interim Director of Medical Staff Services for St. Cloud Medical Center.
Michael Keegan, CHRS

Michael Keegan brings more than 15 years of health care and lobbying experience to Health Agents
for America. Before joining HAFA, Michael was the Director of State Affairs for the National Association of
Health Underwriters (NAHU) based in Washington, DC. Prior to joining NAHU, Michael served as Director of State Government and Public Affairs at DCI Group, a Washington-based consulting firm, where he
managed lobbying and public relations campaigns for Fortune 500 clients in the firms communications
practice. Previously, Michael worked at the American Legislative Exchange Council, the nations largest
individual membership association of state legislators, managing policy and strategy on insurance issues
and financial services modernization. Michael also managed state lobbying efforts at the former Health
Insurance Association of America. Michael is a graduate of LeMoyne College and Cornell University.
Don Massad, Jr., LUTCF, CHRS

Don Massad Jr. is president of The Massad Group and a managing partner of Massad Olinde. Both
agencies serve the Gulf Coast area and have operated with more than 43 years of combined experience.
Don specializes in benefits administration, consulting compliance and strategic planning for clients of all
industries. With the help from a team of dedicated professionals, along with human resource tools, Don
delivers the highest level of personal attention to designing and managing a competitive benefits package
with innovative solutions to meet clients corporate goals and employees needs. He uses a hands-on,
proactive approach when implementing his customized benefits package.

Driven by his desire to set clients apart, Don provides his clients with a competitive edge in their market. In addition to his
experience and expertise, Don has created a communication and management system designed to relieve clients of standard
administrative tasks.
HAFA PRESIDENTIAL BOARD MEMBERS

Denny Bass, CHRS
Hub International Gulf South
Dan Jumonville, CLU, CHRS

Group Insurance, Incorporated
Bill Chapman
The Chapman Group
James S. Mallia
Dwight Andrus Insurance
John Beaugh
John Beaugh & Associates
Steven G. Cosby, MHSA

Cosby Insurance Group
Sandy Davis, CHRS

HAFA Vice President of Education
Louisiana Business Resources
Kerry Drake
Bancorp South
Jack Duvernay
Independent Agent
John Fischer
Health Insurance Store
William Foster
Health Plans of Louisiana, Inc.
Wayne Francingues, Sr., CHRS
Gallagher Benefit Services
Trish Freeman, CHRS
The Insurance Lady
Chris Garrett
HAFA Chairman of the Board
Garrett and Garrett
Charles Giardina, CHRS
Charles Giardina Insurance
Alan Gregory, CHRS
Gregory and Gregory
Mitzy Gregory, CHRS
Gregory and Gregory
James Huckabay
LA Group Insurance
Chris Lapeyre, RHU, CHRS

ASLR
Don Massad
HAFA Vice-Chairman
The Massad Group/Massad Olinde, CHRS
Jay McGuire
Benefits Advisory Group, LLC
Jeffrey R. Miles, CHRS
The Miles Organization, Inc.
Joe Morton, CHRS
Group Brokerage, Inc.
William O. Quinlan
Regions Insurance, Inc.
Chard Richard
Eldridge Robichaux
ASLR
George Rosenbohm, III, CHRS

Total Ins. Planning Services
Bridgette Rushing
CBSI
Angie Surra, CHRS

HAFA Vice President of Membership/Marketing
St. Marys Insurance
Ann Trichel, CHRS
HAFA Treasurer
Thomas & Farr
Tracey Wells, CHRS

Reeves, Coon and Funderburg Insurance
HAFA MEMBERS
Alabama
Licensed to Sell:
Dave Bohl
GA Health Reform
(404) 518-0350
HAFA MEMBERS
Licensed to Sell:
Jacksonville Beach:
Donald C. Kirkendall, CBC, CCA

Kirkendall Insurance
(407) 359-5904
Sheryl McMillan
Good Health Great Wealth, Owner
(904) 401-1999
Colorado
Licensed to Sell:
Wes Fischer - HAFA Presidential Member

Certified to Sell in the Marketplace
Health Insurance Store, Inc.
(407) 932-0023
George A. Rosenbohm, IV, CHRS

Total Insurance Planning Services
(504)463-4902
Jennifer L. Pender, CLTC

Terminus-Atlanta Insurance, Inc.
dba Pender & Associates
Medicare Expert
(678) 377-7443
(407) 359-5904
Dave Bohl
GA Health Reform
(404) 518-0350
Trish Mack
Alaska Benefits
(907) 770-2800

(407) 359-5904
Alaska
Anchorage:
Steven Griswold
Griswold & Griswold Insurance Agency, Inc.
(310) 377-7172
Arizona
Licensed to Sell:
Connecticut
Licensed to Sell:
Steven Griswold
(310) 377-7172
(407) 359-5904
Arkansas
Shauna L. Hart
Insurance Benefits Unlimited
(501) 812-9464
California
LaMesa
Barry Codgill, LPRT, HCRS

Medicare Expert
Business Choice Insurance Services
1-619-543-8000
Steven Griswold
(310) 377-7172
Marina del Rey
Delaware
Licensed to Sell:
Jeff Miles, CHRS, RHU, HAFA Presidential Member

(800) 338-6250
Robert A Ziff, NAHU-PPACA

Avanti Benefits Corporation
(215) 428-9500
Salinas:
Marvin S. Cohen
Clock Insurance & Financial Solutions
(831) 442-5511
Torrance:
Steven Griswold
(310) 377-7172
Florida
Boca Raton:
Jimm Jalil, Owner

Access Medical Health Group
(561) 251-0943
Fort Myers:
Heather Stone
Medicare Expert
Stone Insurance Specialist
(239) 208-2209
Kissimmee:
Sanford:
Gregory Scott Becks

Becks Insurance Consulting
(407) 324-3106
HAFA MEMBERS
HAFA MEMBERS
Winter Park:
Greensboro:

Medicare Expert
(407) 359-5904
Kimberly J. Cullens
Piedmont Financial Partners
(706) 467-1300
Martinez:
Licensed to Sell:
Cynthia B. Sissy Murrah

Access Benefit Solutions, Inc.
(706) 364-3072
Dave Bohl
GA Health Reform
(404) 518-0350
Riverdale:
Gregory Scott Becks

(407) 324-3106
Kimberly Davis
Alliance Benefits Consultants
(678) 472-0987
Steven Griswold
(310) 377-7172
Savannah:
Robert A. Ziff, NAHU-PPACA

(215) 428-9500
Maurice Jones, RHU, LUTCF

The Maurice Jones Agency
(912) 354-0160
Georgia
Alpharetta:
Elena Merino, MBA

The Meridian Group, LLC
(770) 698-5060
Atlanta
Dave Bohl
GA Health Reform
(404) 518-0350
Augusta:
Doris Eloise Meardith

Health Insurance Services
(706) 771-9522
Kentucky
Licensed to Sell:

(407) 359-5904
Illinois
Chicago:
John Palla, MBA

Certified to Sell in the Marketplace & SHOP (throughout Illinois)
P2 Capital Insurance Brokers
(312) 373-0750
Licensed to Sell:
Gregory Scott Becks

(407) 324-3106
Licenced to Sell:
Indiana
Mishawaka:
Gregory Scott Becks

(407) 324-3106
Debra A. Sanders
The Sanders Agency, Inc.
(574) 255-1875
Licensed to Sell:
Dalton:

(407) 359-5904
Blake Adcock, CHRS

Adcock Financial Group, Inc.
(706) 278-6554
Gregory Scott Becks

(407) 324-3106
Nikki McLaughlin, CHRS - HAFA Senatorial Member

Benefit Partners, LLC
(225) 270-4393
Terminus-Atlanta Insurance Inc.
Medicare Expert
(678) 377-7443

(407) 359-5904
Columbus:
Anthony Campbell
Americare Benefits
(706) 324-4223
Grayson:

Cerfified to Sell in the Marketplace
Medicare Expert
(678) 377-7443
Steven Griswold
(310) 377-7172
Kansas
Licensed to Sell:
Larry E. Sanders, LUTCF

The Sanders Agency, Inc.
(574) 255-1875
(407) 359-5904
HAFA MEMBERS
HAFA MEMBERS
Iowa:
Licensed to Sell:
(407) 359-5904
Louisiana
Alexandria:
Rex Ammerman
Spengler-Stewart Agency
(318) 442-0269
Tim Burry - HAFA Senatorial Member

Benefit Strategies & Admin
(318) 473-2402
Suzanne Denise Crick
Crick Benefits, Inc.
(318) 443-0078
Donna L. Vilar, CISR, LUTCF

America Delta Ins. Services, LLC
(318) 448-4009
Bastrop:
Megan M. Dunn, LUTCF, CHRS

Dunn & Dunn Financial Group
(318) 281-3000
Kimberly M. Nelson, CHRS

HAFA Presidential Board Member
The Gladney Agency
(318) 281-0000
Baton Rouge:
Robelynn H. Abadie, CHRS

HAFA Senatorial Member
Abadie Financial Services
(225) 926-3400
Byron Alexander, CHRS
OMNI Insurance Group, LLC
(225) 923-8363
Lea Ann Annie Allen
Independent Agent
(800) 441-8190
Denny Bass, CHRS

HUB International
(225) 218-2450
R. Kyle Carmouche
Kyle Carmouche Insurance Agency
(225) 293-0052
Cody C. Biggs, CHRS

Medicare Expert
(225) 293-1837
Will Chapman, CHRS

The Chapman Group
(225) 295-8206
Debra Beaucoudray
The Beaucoudray Group
(225) 293-9009
Bill Chapman
The Chapman Group
(225) 295-8206
Janet Keen Billings

(225) 773-8933
Chris Ciesielski
NFP Benefits Solution Group
(225) 922-4394
Ricky Blanton
Ricky Blanton Insurance Agency
(225) 302-7415
David E. Cordell
David Cordell Ins.
(225) 767-8840
Scott Daugherty
HUB International
(225) 610-1144
Troy J. Dixon
The Petra Group
(225) 930-0950
Kerry B. Drake
Bancorp South Insurance Services
(225)336-3232
Dale Ducote
Health Plus Consulting Services
(225) 612-2323
Robert Formeller, CIC, CMIP, CHRS
Community Financial Agent
(225) 298-5156
George K. Francis, Jr.
Signator Financial Services
Chris Garrett
HAFA Presidential Board Member - Chairman
Garrett and Garrett
(225) 293-6900
Andre Gonzaque
Gonzaque Benefits Consulting
(225) 290-8855
James David Hairford
Louisiana Insurance Advisors
(225) 772-7315
Ross Henry, CIC
Henry Insurance Service, Inc.
(225) 927-0451
Dan Jumonville, CHRS

Group Insurance Inc. of LA
(225) 293-1770
HAFA MEMBERS
Chadrick Kennedy, CFP
Senatorial Board Member
Health & Wealth Consultants
(225) 819-7800
Roxy Kugler
Integra Insurance Services, LLC
(225) 400-6400
William Lee, II
Medicare & LTC Specialist
Long Term Care Specialist
(225) 963-0246
Vittoria F. Lovisa, CBC, RPA

Regions Insurance
(225) 388-2848
Mark Lumpkin
Lumpkin Agency
(225) 291-0046
Don R. Massad, CHRS

The Massad Group/Massad-Olinde Benefit Consulting
(225) 928-3008
Chae Mayes
Lumpkin Agency
(225) 291-0046
Nikki McLaughlin, CHRS

Think Tank Committee Chairwoman
Benefit Partners, LLC
(225) 270-4393
Dorothy Medica, CHRS
Medica Company

(225) 252-4468
HAFA MEMBERS
Adam G. Miley
AGM Benefit Solutions, LLC
(225) 978-6581
Karen K. Mitchell, MHP, LTCIS, CHRS

Medicare Expert
Life & Health Options
(225) 772-2794
Jack M. Moore, Jr.
The OMNI Group, LLC
(225) 636-5038
Suzanne Moore, CHRS

Community Financial Ins. Center
(225) 298-5173
Joe Morton
HAFA Presidential Member
Group Brokerage, Inc.
(225) 927-1666
Phil Muscarello
PJMI, Inc.
(225) 927-4687
Christi M. Nickens, CLCS, CHRS

McNeary, Inc.
(225) 291-6363
B. Ronnell Nolan, HIA, CHRS

HAFA President/CEO
Health Agents for America, Inc.
(225) 921-6711
Susan S. Porter
Insurance Services of America, Inc.
(225) 292-3222
Chard Richard
Gallagher Benefit Services, Inc.
(225) 906-1277
Claudia Ross
Ross & Company of LA
(225) 751-1530
Hugh Ross
The Louisiana Insurance Center
(225) 292-7680
Don Sanders
Sanders Insurance Agency Inc.
(225) 291-9968
Dennis Sartain
Dennis Sartain Insurance
(225) 926-9740
Jeremy P. Scallan
(225) 250-5247
Roberta Serrett, MBA
Bancorp South
(225) 573-8983
Alan Thomas
MARC Insurance, LLC
(225) 485-9362
Roger Thomas
MARC Insurance, LLC
(225) 803-4814
Terry Tucker
The Tucker Group, LLC
(225) 413-7970
Toni Tucker
PJMI, Inc.
(225) 278-5700
Dana Vutera
Dana Vutera & Associates
(225) 281-9278
Paul Waguespack
McNeary
(225) 291-6363
Perrin J. Watkins
Lewis Mohr Agency
(225) 293-1086
Ryan Williams
Independent Agent
(225) 773-4009
Dwayne Wilson
Chapman HR
(225) 295-8206
HAFA MEMBERS
HAFA MEMBERS
Bossier City:
Delhi:
Gonzales:
Kristy Fleming
Cobbs, Allen & Hall of LA
(318) 524-3505
Joe D. Jones
Delhi Insurance Corporation
(337) 764-9584
Mel Mevlin
Crown Standard Insurance Agency
(225) 644-8406
Charles Gwaltney, Sr., LUTCF

Charles A. Gwaltney & Associates
(318) 746-8266
Phil Pasley
IMA, Inc.
(318) 747-0577, x 111
Chalmette:
Greg Ruiz
Greg Ruiz Insurance
(504) 261-6645
Covington:
Tyler Pond Fussell

Summit Insurance Agency, LLC
(985) 875-7407
Nicole Meyer Goodyear
Summit Insurance Agency, LLC
(985) 875-7407
Grady N. King, Jr.

The New Orleans Benefit Group, LLC
(985) 792-4593
Gregg Michael Lacoste
Independent Agent
(504) 669-0204
Michael J. Mire, ChFC, LUTCF

Independent Agent
(985) 246-6188
De Ridder:
Glenn M. Dean
Glenn M. Dean Insurance
(337) 463-2000
Dennis G. VanDine
Regions Insurance
(337) 463-9606
Denham Springs:
Bridgette Rushing
CBSI
(225) 975-1189
Christine Smith
The Presley Group
(225) 791-5773
DesAllemands:
Mary Anna T. McCoy

Mary Anna T. McCoy, CEBS
(985) 209-2481
Trish Freeman, CHRS

The Insurance Lady
(225) 622-6554
Scott P. LeBlanc
Carmouche Insurance, Inc.
(225) 647-8552
Mike Waguespack
Waguespack & Associates Insurance
(225) 715-5100
Polly Whitfield
Waguespack & Associates Insurance
(225) 647-5767
Greenwell Springs:
James F. Moulin
JMD Insurance, LLC
(225) 771-8059
Gretna:
Allison LeBoeuf, CHRS

Pat LeBoeuf Insurance
(504) 418-7884
Glory B. Toups, LUTCF, CLTC
Met Life
(504) 669-3144
Hammond:
Cliff Lloyd, MBA

Medicare Expert
Cliff Lloyd & Associates
(985) 969-2839
Houma:
Anthony Alford
ASLR
(985) 853-1080
Stephen J. Caldarera
Mass Mutual
(985) 851-6751
Monica Folse
Houma Health Insurance Service
(985) 857-7000
Sadie Hamby
ASLR
(985) 853-1080
Marcus T. Harris
Marc Harris Insurance, LLC
(985) 872-4577
Melissa Hunter
ASLR
(985) 853-1080
HAFA MEMBERS
HAFA MEMBERS
Chris Lapeyre
ASLR
(985) 853-1080

Priscilla Larpenter
ASLR
(985) 853-1080
Eldridge Robichaux
ASLR
(985) 853-1080
Jean Marmande
South Louisiana Financial Services
(985) 851-4281
Brandon Smith
(985) 851-4281
Catherine Straatmann
ASLR
(985) 853-1080
Martha Walker
Martha Walker & Associates
(985) 868-6668
Timothy Watson
A to Z Insurance Services
(985) 872-0100
Jennifer Watts
ASLR
(985) 853-1080
Chuck Weaver, Jr.

(985) 851-4281
Tate Christopher Zyroll
Benefits Direct
(985) 232-2121
Jonesville:
Tammy Champlin
Tammy Champlin Insurance
(318) 758-5566
Kenner:
Terry Phillips
Fringe Benefit Planners, Inc.
(504) 468-9023
Lafayette:
John W. Beaugh
John Beaugh & Associates
(337) 942-8482
Jude Broussard
Broussard Benefits Group
(337) 237-9934
Frank Chapman
AIM Systems, Inc.
(337) 344-2295
Donald Cravins, Sr.

Don Cravins Insurance Agency
(337) 234-9695
Keith A. Guidry
Keith Guidry & Associates, LLC
(337) 781-2092
Leslie Guillot
Insurance Advisors, LLC
(337) 988-9059
David Johnson
Legacy Senior Asset Protection
(337) 993-2006
James S. Mallia
Dwight Andrus Insurance
(337) 981-7300
Malcolm Moore, Jr.
MTMJR Brokerage
(337) 988-3620
Alan S. Perrodin
Phoenix Benefit Services, Inc.
(337) 267-3116
Ronald J. Thibodeaux
Ronald J. Thibodeaux Agency
(337) 886-2993
Jude Viator
Independent Agent
(337) 277-4179
Lake Charles:
Michael G. Demarie
Independent Agent
(337) 474-4555
Johnny J. Giordano, Jr.

Giordano Insurance
(337) 477-2552
John Gregory
Regions Insurance
(337) 474-7940
Richard J. Gregory, Jr.

Regions Insurance
(337) 478-6730
Richard J. Gregory, Sr.

Regions Insurance
(337) 302-3358
David Perry
Bancorp South
(337) 439-7777
David Varisco
Independent Agent
(337) 739-1107
LaPlace:
Clayton Pinkins
Medicare Expert
Pinkins Agency
(504) 559-0833
Leesville:
Mark H. Smith
Mark Smith Insurance
(337) 238-9135
Lockport:
Scott John Guidry

Health Insurance Solutions of LA
(504) 537-6098
Madisonville:
Steven M. Ruiz
Rock Ruiz Retirement
(985) 792-0771
Mandeville:
Shannon Bearden, CEBS, SPHR, SHRM-SCP

HUB International
(504) 460-0640
Julie Boss
Independent Agent
(985) 630-7079
Robyn M. Bossom
Crescent Employee Benefits
(225) 921-9120
HAFA MEMBERS
HAFA MEMBERS
Anthony Cyprus, Jr., CHRS
Certified to Sell in the
Marketplace
Medicare Expert
Cyprus Healthcare Consultants
(985) 807-4123
CJ Bruno
Securian Financial
(504) 837-7177
Daniel J. Burghardt
Dan J. Burghardt Insurance Agency
(504) 455-7283
Richard A. Dennie, III, LUTCF

Marketplace
Independent Agent
(985) 626-5392
Sherri Carmouche
Hub International
(504) 846-7819
Maria T. Landry
Fleur-de-lis Insurance, LLC
(985) 206-5359

Marketplace
Total Insurance Planning
Services
(504) 463-4902
George A. Rosenbohm, III, CHRS

Total Insurance Planning Services, Inc.
(504) 606-7270
Roland C. Rusich, LUTCF
Rusich & Associates, Inc.
(985) 626-6159
Kirsten Schurtz
Independent Agent
(225) 726-6887
Pierre Timmerman
Demarie & Timmerman, LLC
(985) 674-5186
George P. Thomas
Independent Agent
(504) 831-7766
Michael P. Wynn
Michael Wynn & Associates
(985) 792-4647
Marksville:
Jessica Couvillion
Couvillion Consulting, LLC
(318) 253-7937
Jennifer Clements
(504) 455-7283
Annette Dowdle RHU, CCWC, CHRS
Hub International Gulf South
(504) 846-7847
Marrero:
Russell J. Blanchard III
RJ Blanchard Benefit Services
(504) 382-1090
Wade T. Perrin, Owner

Perrin Insurance & Benefits
(504) 340-6776
Metairie:
Jaime Badilla (Spanish Speaking Agent)

Southwest Insurers
(504) 494-5779
Dean M. Basse
(504) 455-7283
Kevin Berry
Worksite Benefit Partners
(504) 920-4051
Jennifer R. Berthelot
Roth-Berthelot Insurance, LLC
(504) 915-9517
Michele W. Brimer
Weiser Financial Services
(504) 837-6740
Stacie F. Doyle
(504) 872-3892
Duaine D. Duffy
Benefit Analyst, LLC
504-889-1610
Jack Duvernay
Independent Agent
(504) 836-9622
Kevin Gardner
HUB International
(504) 620-4724
Wally Farge
Wally Farge, CLU
(504) 779-9953
Scott Francingues
Gallagher
(504) 456-4777
Wayne Francingues, Jr.

Gallagher
(504) 456-4777
Wayne Francingues, Sr.

Gallagher
(504) 456-4777
Julian H. Good, Jr.

Good Financial Group, LLC
(504) 224-2793
Michael C. Hollis
Hollis Companies
(504) 828-6400
Dominick F. Impastato, Jr.

Acacia Fianancial Group
(504) 831-4494
Gabriel P. Janusa, MBA , CHRS

Demand Insurance Benefits, LLC
(504) 309-0060
Tom Jones
Alliance Financial Group
(504) 454-5012
Debbie Kass
Apron Agencies, LLC
(504) 258-0434
Wayne Landwerlin
Group Insurance Inc.
(504) 887-5951
Mark Leveque, CHRS
Apron Agencies, LLC
(504) 259-2055
Mel Leveque, Jr., CHRS
Apron Agencies, LLC
(504) 416-0237
Charles Levy, III, CLU, ChFC
Charles A, Levy, III, CLU, ChFC
(504) 261-0134
Jay McGuire
Benefit Advisory Group, LLC
(504) 273-5960
Jason Nastasi
Crescent City Benefits, Inc.
HAFA MEMBERS
HAFA MEMBERS
Brian Michael Patureau
Brian Patureau, LLC
(504) 239-4520
Linda Ray
Certified to Sell on the Marketplace
Better Benefits, Inc.
(504) 885-6111
Danny Riehm
Worksite Benefit Partners
(504) 481-5897
Robert Roth
Roth-Berthelot Insurance, LLC
(504) 913-9329
Wayne A. Schellhaas, LUTCF

Schellhaas & Associates Insurance
(504) 779-9421
Peggy Tauzier
Apron Agencies, LLC
(504) 833-3434
Patrick Taylor
Benefit Planning Group
(504) 833-3434
Elizabeth Raymond Thomas

Hub International
(504) 846-7827
Raymond Thomas
Hub International
(504) 846-7827
Denise Denison
Community Financial Insurance
(318) 807-3506
Billy R. Haisty
Billy R. Haisty & Company
(318) 388-2796
Kevin Hopper, CHRS

Hopper Insurance Services
(318) 322-7343
Roanita Jenkins, CHRS
Certified Sell in the Marketplace
Roanita Jenkins Ins. Agency, LLC
(318) 651-0047
Kimberly Nelson
The Gladney Agency
(318) 732-0277
Douglas J. Ratcliff
Community Financial Ins. Center, LLC
(318) 807-3636
Kevin Sumlia
Summit Financial Group
(318) 680-6535
Ann Trichel
Thomas & Farr Agency, Inc.
(318) 361-4715
Tracey Wells, CHRS
Reeves, Coon & Funderburg Insurance
(318) 548-1612
Bill Whatley CHRS
Community Financial Ins.
(318) 807-3580
Jennifer Zimmerman, CHRS
Delta Benefit Consulting
(318) 680-0853
Natchitoches:
Susan Walsten
Associated Benefits Consulting
(225) 928-2225
Anthony James Sandefur

Independent Agent
(318) 352-7988
Richard N. Anderson, CLU

Southern Farm Bureau Life
(318) 323-1344
New Iberia:
Monroe:
Brian Crews
Summit Financial Group
(318) 537-2886
Victoria Dayton
Moreman, Moore & Co.
(318) 388-4080
James R. Sandefur, LUTCF

St. Denis Financial Services
(318) 352-7988
Theresa Baranco Fitch
Independent Agent
(337) 579-0887
James C. Perez, CLU, ChFC

DJW Insurance Agency, Inc.
(337) 492-5571
William O. Quinlan
Regions Insurance
(337) 365-5426
New Orleans:
George T. Daison, LUTCF

Underwriters Insurance Agency
(504) 302-0620
Tom Daly
Benefit Administration Group
(800) 410-8140
Natalie M. Dupre
Bellingrath Wealth Management
(504) 593-6043
Charles Giardina, LUTCF

HAFA Agent Summit Chairman 2014
Charles Giardina Insurance
(504) 875-3580
Michele Guerin CLU, ChFC, AEP, CLTC

Financial Services Professional
(504) 569-0758
Charles Kennedy, Jr., CFP
The Kennedy Financial Group
(504) 942-1640
Keith C. Smith
(504) 302-0620
Rebecca N. Songy
Colonial Life
(504) 388-2325
Marlon A. Terrell, Sr.

(504) 302-0620
HAFA MEMBERS
HAFA MEMBERS
Patterson:
Shreveport:
Slidell:
Janice Peterson
Peterson Agency, Inc.
(985) 395-3557
Trae Brashear, III

Benefit Plan Services, Inc.
(318) 797-5450
Doug Hendry, CIC

Miltenberger & Company
(985) 641-0520
Ponchatoula:
Ricky B. Howes
Howes Investments, LLC
(985) 370-7007, Ext 2
Port Vincent:
Kurt Wagner
Independent Agent
(225) 485-9283
Luke Wagner
Independent Agent
(225) 572-3239
Prairieville:
Nicole B. Pearce
The Beaucoudray Group
(225) 937-8398
Raceland:
Sharon R. Guidry
Health Insurance Solutions of LA
(985) 537-6098
Daniel Mayet
Creative Insurance Solutions
(985) 853-1400
River Ridge:
Richard Rojas, III

Workplace Benefit Partners
(504) 292-5847
Ruston:
S. Greg McCarter, LUTCF

McCarter Financial Group, LLC
(318) 255-1444
Sarepta:
Sheila T. Impson, RHU

Toms Insurance
(318) 994-2983
Ed Criswell
Ed Criswell Insurance, Inc.
(318) 429-6550
Yvonnie Dirks
C H R Partnership, LLP
(318) 429-6550
William E. Foster
Health Plans of Louisiana, Inc.
(318) 226-0500
Robert Gosslee, CLU, ChFC
Health Plans of LA
(318) 226-0500
Leonard Gresens, CHRS

Medicare Expert
Cornerstone Financial Services, LLC
(318) 221-8888
Jim Huckabay
Huckabay Insurance Services
(318) 429-6550
Mike Kemp
Preferred Benefits Plus
(318) 868-5889
Paula Kemp
Regions Insurance
(318) 677-2592
Percy McCraney
The McCraney Insurance Group
(800) 225-8757
Debra C. Pickett, LUTCF

Medicare Expert
Premiere Senior Solutions
(318) 795-0661
David B. Romero, ChFC
Executive Financial Group, Inc.
(318) 795-0660
Vacherie:
James C. Jones IV
Bayou Insurance Services of Louisiana
(225) 265-6093
Vidalia:
Adele Hazlip
Hazlip Companies
(318) 336-2000
Emile Pat Hazlip

Hazlip Companies
(318) 336-2000
Emily Hazlip
Hazlip Companies
(318) 336-2000
Stan Hazlip
Hazlip Companies
(318) 336-2000
Watson:
Sandra Davis, CHRS

Medicare Expert
Louisiana Business Resources
(225) 324-3600
West Monore:
Thomas Ray Arthur

Arthur Insurance, Inc.
(318) 388-5992
Charles R. Hogan, Jr., CIC

Hogan Agency, Inc
(318) 397-1212
Troy W. Pardue
Troy Pardue Insurance Agency
(318) 397-3970
Randall Richardson
Academy Insurance, Inc.
(318) 372-5992
Sharon Tippen Schooley

Sharon Schooley Insurance
(318) 322-7543
Andy Vaughan, CLU, RHU, LUTCF

Clarity Insurance and Financial Services
(318) 397-7767
Winnsboro:
Jeff W. Holloway
Benefits Services, Inc.
(318) 435-8943
Rickey T. Womack, LUTCF

Womack Insurance Agency
(318) 435-9575
HAFA MEMBERS
HAFA MEMBERS
Zachary:
Alan Gregory, CHRS - Gregory & Gregory
Medicare Expert
(225) 654-3311
Mitzy Gregory, CHRS
Medicare Expert
Gregory & Gregory
(225) 654-3311
John Tre Hendry, III
John Hendry Insurance Agency
(225) 654-3950
Maryland:
Frances Fran B. Maane

Independent Agent
(301) 365-8323
Licensed to Sell:

(407) 359-5904

(215) 428-9500
Michigan:
Traverse City:
Raquel E. Paulus RHU, ChHC, LIC

Peterson McGregor & Associates
(231) 922-7220
Keith Wright
Wright Insurance Group, President/CEO
(231) 922-0191
Licensed to Sell:

(407) 359-5904
Minnesota:
White Bear Lake:
Missouri:
Licensed to Sell:
Heather LaValle-Tumbelson
Athena Resource
(651) 328-6385
Gregory Scott Becks

(407) 324-3106
Licensed to Sell:

(407) 359-5904
Nevada:
Licensed to Sell:
Mississippi:
Licensed to Sell:
Steven Griswold
(310) 377-7172
Cody C. Biggs, CHRS

Medicare Expert
(225) 293-1837
Steven Griswold
(310) 377-7172
Alan Gregory, CHRS

Medicare Expert
Gregory & Gregory
(225) 654-3311
Mitzy Gregory, CHRS
Medicare Expert
Gregory & Gregory
(225) 654-3311
Clayton Pinkins
Pinkins Agency
(504) 559-0833

Total Insurance Planning Services
(504)463-4902
New Jersey:
Licensed to Sell:
Gail Hiller Lee

Bernard A. Hiller, Inc.
(516) 794-4777
(215) 428-9500
New York
Armonk:
Alex Miller
Millenium Medical Solutions, Inc.
(914) 804-0102
Larchmont:
Lawrence J. Thaul, CLU, ChFC, CLTC

Independent Agent
(914) 418-8306
Mamaroneck:
Robert L. Rifkin
Independent Agent
(914) 777-1668
Merrick:
Gail Hiller Lee

Bernard A. Hiller, Inc
(516) 794-4777
New City:
J. Sadler Hayes, II
Sadler Hayes Associates, Inc
(845) 639-0492
Rochester:
Michael R. King, CRSP

Century Benefits Group
(585) 224-8138
Uniondale:
Lloyd Gold
Independent Agent
(516) 705-9766
Bruce T. Miller, CLU, ChFC

Allied Wealth Partners
(516) 428-5851
HAFA MEMBERS
HAFA MEMBERS
Cindy Sipkin, CLU
Independent Agent
(516) 705-9796
Woodbury:
Les Perlson
CB Planning Corporation
Medicare Expert
(516) 677-5047
Steven Griswold
(310) 377-7172

Medicare Expert
(678) 377-7443
Amy L. Goman, CHRS

St. Marys Insurance Agency
(814) 834-2897

Medicare Expert
(678) 377-7443
Jackie Whitaker, CIC, CHRS

(814) 834-2897
North Carolina
Winston Salem:

(407) 359-5904
Dave Bohl
GA Health Reform
(404) 518-0350
Angela Surra, CISR, CLTC

(814) 834-2897
Jeff Miles, CHRS, RHU

(800) 338-6250
Steven Griswold
(310) 377-7172

(215) 428-9500
Chelsea A. Retzer, CHRS

(814) 834-2897

(215) 428-9500
Licensed to Sell:
Licensed to Sell:
St. Marys
Licensed to Sell:
John Dunn
The Pinnacle Benefits Group
(336) 759-3959
Morrisville
Licensed to Sell:
Ohio:
Licensed to Sell:
Steven Griswold
(310) 377-7172
(407) 359-5904
Pennsylvania:
Feasterville:
Edward T. MacConnell
Total Benefit Solutions
(215) 355-2121
Steven Griswold
(310) 377-7172
(407) 359-5904
South Carolina:
Greenville:
Joseph G. Mahaffey, Jr., President

Palmetto Health Pro, Inc.
(864) 516-1892
Susan Patterson, CHRS
Plametti Health Pro, Inc.
(864) 516-1892

(407) 359-5904
HAFA MEMBERS
South Dakota
Licensed to Sell:
(215) 428-9500
DINA Dental has provided

Dental Insurance for the citizens
of Louisiana for over 40 years.
Brock Baker, CLU

Baker Benefits Corporation
(615) 385-9755
Licensed to Sell:
Gregory Scott Becks

(407) 324-3106
Cody C. Biggs, CHRS

Medicare Expert
(225) 293-1837
Dave Bohl
GA Health Reform
(404) 518-0350

(407) 359-5904

Medicare Expert
(678) 377-7443
Texas
Allen:
George Rosenbohm, III, CHRS

Total Insurance Planning Services, Inc.
(504) 994-6841
Alan Gregory, CHRS

Medicare Expert
Gregory & Gregory
(225) 654-3311
Mitzy Gregory, CHRS
Medicare Expert
Gregory & Gregory
(225) 654-3311
Tennessee:
Nashville:
Jeff Miles, CHRS, RHU

(800) 338-6250
HAFA MEMBERS
Steven Griswold
(310) 377-7172
We offer
Prepaid,
Scheduled PPO and
Passive PPO Plans to individuals and groups.
We have a plan to fit your needs and pocketbook. All products are broker driven. We look
forward to working with you.
Austin:
Dorothy Medica, CHRS
Medica Company
(225) 252-4468
Houston:
Carla Englade
First Harbor
(713) 255-4418
Barbara Garcia
Vista Health Solutions
(713) 893-0324
Licensed to Sell:
Cody C. Biggs, CHRS

Medicare Expert
(225) 293-1837

(407) 359-5904
Cliff Lloyd, MBA

Medicare Expert
Cliff Lloyd & Associates
(985) 969-2839
Debbie Pickett, Senior Advisor
Medicare Expert
(318) 795-0661
Clayton Pinkins
Pinkins Agency
(504) 559-0833
Utah:
Licensed to Sell:
Steven Griswold
(310) 377-7172
Virginia
Virginia Beach:
Maria Carver
Liberty Tax Service
(800) 790-3863 (x 8260)
Northern Virginia:
Steven G. Cosby, MHSA

Cosby Insurance Group
(703) 349-1094
HAFA MEMBERS
Licensed to Sell:
Steven Griswold
(310) 377-7172
(407) 359-5904
Frances Fran B. Maane

Independent Agent
(301) 365-8323
(215) 428-9500
Washington:
Licensed to Sell:
Steven Griswold
(310) 377-7172
(407) 359-5904
Washington, DC:
DC Metro Area:
Michael J. Keegan, CHRS, Senior VP - HAFA

Health Agents for America, Inc.
Michael@HAFAmerica.org
(571) 289-4607
West Virginia:
Licensed to Sell:

(407) 359-5904
Robert A Ziff, NAHU-PPACA

(215) 428-9500
Wisconsin:
Licensed to Sell:

(407) 359-5904
COURSE: CERTIFIED HEALTHCARE REFORM

SPECIALIST CE COURSE
CE Hours Requested: 6
Study Method: Classroom/Seminar
Audience: This course is open to the public
Sponsoring Organization: Employer Healthcare & Benefits Congress
Course Objectives: This course provides attendees with a competitive edge in the industry.
The Certified Healthcare Reform Specialist establishes a higher level of understanding
and knowledge of healthcare reform by:
Possess the training and knowledge to successfully implement and manage healthcare
reform
Possess the qualifications and abilities for job promotion and career enhancement.
Understand the timeline of implementing the different policies, laws and regulations in
healthcare reform
Understand mandated benefits and compliance deadlines
Stay up-to-date with current best practices, rules, regulations and interpretations as
they are implemented. (Due to the many new mandates, it is imperative that healthcare
and benefits professionals continue to educate themselves through our required continuing education credits for recertification)
Supervising School Official: Andrea Wilson
TIMED OUTLINE 6 HRS

1. Fiduciary Fundamentals & Risks: Understanding Your Responsibilities (and Liabilities)
A. What is a Welfare Benefit Plan?
I. Title I of ERISA
II. Definition of Welfare Benefit Plan

III. Listed Benefits
1. Medical, surgical, or hospital care or benefits
2. Unemployment (severance), disability, AD&D

3. Vacation benefits
4. Apprenticeship or other training benefits

5. Day-care centers
6. Scholarship funds
7. Prepaid legal services
8. Holiday and severance benefits

9. Housing assistance benefits
B. What is a Group Health Plan?

I. Special ERISA rules
II. Public Health Services Act
III. Definition of a Group Health Plan

IV. Exceptions
1. Less than 2 active employees
2. Stand-alone vision and dental

3. Other common exemptions
a. Workers compensation
b. Coverage for on-site medical clinics

c. Supplemental liability insurance
d. Stand-alone long-term care benefits

e. Hospital indemnity insurance
f. Accidental death and dismemberment benefits
g. Disability income coverage (payroll practice, not benefit plans)
C. The Big Four
I. Plan Document
II. Summary Plan Description
III. Summary of Material Modification
IV. Summary of Benefits and Coverage
D. Timing of Disclosure Obligations

E. Claims & Appeals Procedures
F. Penalties for Noncompliance
(50 min)
2. ACA: Practical Considerations & Litigation Avoidance (50 Min)

A. Workforce Realignment
I. The Employer Mandate

II. Employer Responses
III. Risks of Workforce Realignment

1. Discrimination
2. Whistleblower Action
3. Protected Classes
IV. How to Minimize Risks
B. Claims to Mandated Benefits
I. Plan years beginning on or after 9/23/10

II. Plan years beginning on or after 1/1/14
III. Mandates for non-grandfathered plans
IV. Mandated benefits incorporated into ERISA 715
C. Retire Medical Exit Strategy

I. Exchanges and retirees
II. Risks
1. ERISA 502(a) (1) (B)

2. ERISA 502(a) (3)
3. LMRA 301(a)
III. Minimizing Risks
D. What ACA Issues are Currently Being Audited?

I. Adult child mandate
II. Prohibition on rescissions of coverage

III. Dollar limits on EHBs
IV. Grandfathered status
V. Choice of provider notice
VI. Claims and external review
E. What to do After Receiving Audit Notice

F. Developing an Audit Strategy
G. Developing a Settlement Strategy
3. Strategically Communicating with Employees about Healthcare Reform What They Dont Know Can Hurt
You (50 min)
A. Why do you invest in health coverage for your employees?
I. Promote health
II. Job lock
III. Invest in healthcare wisely
B. Health promotion at work contributes to companies by:

I. Attracting employees
II. Reducing absenteeism

III. Improve Moral
C. Notice and Disclosure Requirements

I. Lifetime and Annual Limits
II. W-2 Reporting
III. Grandfathered Notice
IV. Other General Notices
V. Advance Notice of Material Modification

VI. Summary of Benefits and Coverage
VII. Other Reporting Considerations
D. Health Coverage Notices

I. Exchange Notice
II. 30 days advance written notice before coverage can be rescinded

III. Patient Protection Notices
IV. Internal Claims and External Appeals Procedures
E. Advanced Notice of Material Modification
I. 60 days advance notice prior to any material modification

II. Changes during annual renewal require a new SBC
F. Summary of Benefits & Coverage

I. When to distribute
II. Penalties for failure to provide SBC

III. What to provide
G. 6055 & 6056 Reports

I. Who must report
II. What to report
1.
2.
IRS Report
Individual Report
III. Time and Manner of Reporting

IV. Penalties for failure to report
H. Communication Fundamentals
I. Know what voice to use
II. Know what is legally required

III. Know your audience
IV. Stick to the issue
4. New EEOC Proposed Wellness Regulations & Next Steps for Employers (50 min)
A. Proposed EEOC Regulations
I. Proposed Rule published April 20, 2015

II. Comments Due June 19
III. Title II of GINA
B. Three Categories of Wellness

C.
Category 1
I. An employee health program that is NOT part of a group health plan, but does NOT include a disability-related inquiry or medical examination
D. Category II
I. An employee health program that is NOT part of a group health plan BUT, INCLUDES a disability-related
inquiry or medical examination
II. An employee health program that IS part of a group health plan AND, INCLUDES a disability-related
inquiry or medical examination
E. Proposed EEOC Regulations

F. Incnetives
I. Incentives must meaningful
1. 80% of consumers WANT incentives in wellness programs

2. Only 45% say their incentives are meaningful
3. Nearly 1/3rd of wellness participants prefer cash incentives
G. Reasonable Design
H. Reasonable Accommodation
I. Voluntary Programs
I. Category I
II. Category II
III. Category III
IV. Special Notice

V. Gatekeeping
VI. Example
J. Incentives
I. De Minimis
1. What constitutes de minimis incentives?

2. Example
II. 30% or Less of Self-Only Coverage

1. Minimum Incentives
a. HIPAA
b. EEOC Regulations
2. Examples
III. Smoking Cessation
K. Enhanced Confidentiality Rules

L. Other Issues
I. Cadillac Tax
II. HSA
M. Next Steps
5. ACA Deep Dive Controlled Group Rules and Employer Mandate Specifics (50 min)
A. Is My Business Subject to the Employer Mandate?
I. Large Employers
II. Full-time Equivalent Employees

III. 30 Hours Rule
IV. ALE Members
V. IRS Guidance
VI. Forms 1094-C and 1095-C

VII. Calculating penalties
1. Failure to offer coverage (2,000 x all full-time employees)
2. Failure to offer affordable coverage ($3,000 x affected employees)
VIII. Employee Notices
IX. Measurement Periods

X. Stability Periods
XI. Affordability Safe Harbor
B. Controlled Group Rules
I. Determining a Controlled Group

II. Parent-subsidiary
III. Brother-sister
IV. Affiliated service groups
V. IRS has the authority to create other aggregation rules

VI. Determining Ownership
VII. Family Attribution Rules

1. Spouses
2. Attribution from children under age 21
3. Attribution from adult children and grandchildren if the parent directly owns 50%
VIII. Other Attribution Rules

1. Option to Purchase
2. Trusts and Companies

3. Reattribution
IX. What is Ignored in Determining Ownership Percentages

1. Nonvoting preferred interests.
2. Treasury stock and similar interests.
3. Stock owned by employee trusts (ESOPs)

4. Interests held by certain insiders
5. Interests held by employees that are subject to mandatory resale on termination

6. Interests held by controlled nonprofits
X. Affiliated Service Groups
XI. Can Company be Restructured to Avoid Employer Mandate?

XII. Can I Offer Different Plans within My Controlled Group?
C. Employer Mandate and Measurement Periods

I. Who must be offered coverage?
II. Determining full-time status
III. Different measurement periods
1. Salaried and hourly employees

2. Employees of different entities
3. Employees located in different states
4. Collectively bargained with different collective bargaining agreements
IV. Counting Hours of Service
V. Monthly Measurement Method

VI. Safe Harbor
1. Measurement period
2. Stability period
3. Administrative period
VII. What is a Full-Time Employee?

1. Seasonal Employees
2. Part-time employees
3. Hourly employees with fluctuating schedules
VIII. Special Rule: Breaks in Service
IX. Example of Measurement Periods

1. Overlapping periods
2. When Must Variable Hour New Hires be Offered Coverage?
6. The Game How Much of the Days Events did you Retain? (50 min)
A. This session will test the comprehension of attendees to see how well they retained the information presented to them. This cumulative summary will be guided by the instructor and will play similar to a game
of Jeopardy! The instructor will host the game to ensure that attendees remain focused and can answer any
questions that may appear.
B. The attendees will be broken into teams. The host will keep track of answers through a spreadsheet. The
host will call on the first person to raise their hand. The group will have 5 seconds to settle on an answer.
Should the answer be incorrect the other teams may raise their hand to steal. The team with the most points
gets bragging rights. This fun interaction will add to the experience of the day allowing for the participants
to truly comprehend the complex materials.
TOTAL CLASS TIME: 410 minutes

BREAKS and Q&A: 110 (minutes)
TOTAL CE REQUESTED: 410 minutes/6hours

Hafa 2015 Summit

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HEALTH AGENTS

B. RONNELL NOLAN, HIA

To provide continuing education, training, information from State and Federal

e would like to thank you for attending the 3rd

HAFA continues to grow and currently serves Agents &

In addition, the success of this Summit would not have

Trish Freeman, HAFAs Presidential Board Member and

HAFA will continue to strive to bring you products and

Maggie Mae Nolan

Michael J. Keegan, CHRS

WE, THE AGENTS...

2015 HAFA SUMMIT AGENDA

2015 HAFA SUMMIT AGENDA

AUGUST 13, 2015

7:00AM 8:00AM: Registration, Coffee & Pastries

9:30AM 9:15AM: ACA Practical Considerations & Litigation Avoidance

10:30AM 10:45AM: (Break)

How to determining where you are in the communication process

11:45AM 12:45PM: (Lunch)

12:45PM 1:45PM: Legalities of Implementing Wellness Into a Self Funded Plan

A Deep Dive Look at Employee Measurement and Stability Periods

Meet in the Lobby to Proceed to the Reception Spirits the Resurrection

2015 HAFA SUMMIT AGENDA

9:15AM 10:15AM: ACA Compliant or Complacent?

12:15PM 12:30PM: Closing

The Premier ACA Enrollment Platform,

HAFA SUMMIT SPONSORS

HAFA SUMMIT SPONSORS

SUMMIT SPEAKER BIOS

SUMMIT SPEAKER BIOS

Bill Cassidy, US Senator from Louisiana

Dr. Kristin L. Kahle, CHRS

James Jim Donelon, Commissioner of Insurance from Louisiana

Angela Surra, CISR, CLTC, CIC, CHRS

James Jim Napoli

Jeff Miles, CHRS

Michael Keegan, CHRS

Don Massad, Jr., LUTCF, CHRS

HAFA PRESIDENTIAL BOARD MEMBERS

Dan Jumonville, CLU, CHRS

Steven G. Cosby, MHSA

Sandy Davis, CHRS

Chris Lapeyre, RHU, CHRS

George Rosenbohm, III, CHRS

Angie Surra, CHRS

Tracey Wells, CHRS

Donald C. Kirkendall, CBC, CCA

Wes Fischer - HAFA Presidential Member

George A. Rosenbohm, IV, CHRS

Jennifer L. Pender, CLTC

Donald C. Kirkendall, CBC, CCA

Barry Codgill, LPRT, HCRS

Jeff Miles, CHRS, RHU, HAFA Presidential Member

Robert A Ziff, NAHU-PPACA

Jimm Jalil, Owner

Gregory Scott Becks

Donald C. Kirkendall, CBC, CCA

Cynthia B. Sissy Murrah

Gregory Scott Becks

Robert A. Ziff, NAHU-PPACA

Maurice Jones, RHU, LUTCF

Elena Merino, MBA