This year’s event included a meaningful partnership with the AVID program at Casa Roble High School, giving students the opportunity to gain volunteer hours and real-world event experience while supporting their own educational goals.

AVID students assisted throughout the evening by serving guests and supporting the flow of dinner service. Their participation provided service experience in a professional event setting while connecting them with local business leaders.

CAHIP NorCal’s attendees generously tipped the AVID students nearly $2,000, which goes directly to supporting graduating AVID seniors. The money helps cover campus visits and college dorm room essentials. This year’s campus visits include UC Merced, Fresno State, Cal Poly, UC Santa Cruz, CSU Monterey Bay, and CSU Stanislaus.

“We love partnering with the Casa AVID students. They are very responsible and do a phenomenal job keeping up with their tables,” said Lauren Bayha, Executive Director of CAHIP NorCal. Kathryn Kelly, Casa Roble AVID advisor, echoed the sentiment, saying, “The kids had a lot of fun and learned valuable job skills.”

The annual crab feed is one of CAHIP NorCal’s signature events, known for its lively atmosphere and popular dessert auction. This year’s western-themed celebration was not just a fun gathering, but also reflected CAHIP NorCal’s commitment to community engagement. CAHIP NorCal looks forward to continuing its partnership with community organizations in the years ahead.

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For over 37 years, CAHIP-NorCal has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: CAHIP-NorCal.org. 

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CAHIP NorCal’s delegation included David Brabender of Atman Insurance and CAHIP NorCal Immediate Past President, Josh Edwards of Eureka Insurance Solutions and CAHIP NorCal Legislative Chair, and Dave Fear Jr., also of Eureka Insurance Solutions.

Held February 22-24 at the Hyatt Regency Capitol Hill, the conference brought together agents, brokers, consultants, and benefits specialists for general sessions, legislative briefings, and regional meetings focused on current healthcare challenges and policy priorities. The event culminated with an Advocacy Day on Capitol Hill, where participants met directly with members of Congress and their staff to discuss solutions aimed at improving affordability, transparency, and access to healthcare coverage.

Key policy priorities discussed during the conference included strengthening healthcare price transparency, stabilizing the ACA marketplace, protecting employer sponsored health coverage, improving the Medicare enrollment process, and ensuring consumers continue to have access to knowledgeable licensed agents and brokers when selecting coverage.

“I appreciate being able to go to congress and share firsthand perspectives of the challenges facing consumers, employers, and the benefits professionals who serve them,” stated Brabender. “It is always a powerful experience to participate directly in our democratic process and bring the voice of our industry to the policymakers who shape it.”

The annual conference also provides an opportunity for professionals from across the country to collaborate, share best practices, and strengthen the profession’s unified voice on healthcare policy.

CAHIP NorCal remains committed to advocating for policies that support consumers, employers, and the licensed professionals who help them navigate an increasingly complex healthcare system.

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For over 37 years, CAHIP-NorCal has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: CAHIP-NorCal.org. 

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CAHIP NorCal (California Association of Health Insurance Professionals, Northern California) kicked off its 2026 event calendar with a strong start, hosting its annual Vanguard Cornhole Tournament alongside the much-anticipated return of its chili cook-off at LeFive Indoor Soccer on January 15. The event welcomed 75 attendees for an afternoon of friendly competition, networking, and community connection.

The chili cook-off featured eight unique submissions, marking the return of a beloved CAHIP NorCal tradition. Rebecca Overstreet of TEKsystems earned first place for her standout chili.

“I got this recipe from someone who said it had won multiple chili cook-offs, but I didn’t know if it would win this one. I heard I was up against a multi-year chili champion,” said Overstreet.

Second place went to Marissa Smith of Dickerson Insurance Services, and third place went to Brad Davis of WSR Insurance.

On the cornhole courts, competition was fierce as teams battled for top honors. First place went to Andy Fullerton of Eureka Insurance Solutions and Sean Donalley of Sutter Health Plan. Curtis Tuttle and Matt Christenson representing Amwins Connect took home second place, and third place went to Jeremiah Lopez and Alex Trujillo from Insperity.

The annual Vanguard Cornhole Tournament continues to be a signature CAHIP NorCal event, bringing together insurance professionals for networking, camaraderie, and friendly rivalry. As CAHIP NorCal’s first event of the year, this tournament and chili cook-off set a positive tone for the months ahead.

For more information about CAHIP NorCal and future community events, please visit www.cahip-norcal.org.

From left to right: Jeremiah Lopez (Insperity), Alex Trujillo (Insperity), Andy Fullerton (Eureka Insurance Solutions), Sean Donnalley (Sutter Health Plan), Matt Christenson (Amwins Connect), Curtis Tuttle (Amwins Connect).

From left to right: Brad Davis (WSR Insurance), Rebecca Overstreet (TEKsystems), Marissa Smith (Dickerson Insurance Services).

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For over 37 years, CAHIP-NorCal has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: CAHIP-NorCal.org. 

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CAHIP NorCal (California Association of Health Insurance Professionals, Northern California) is proud to announce the successful completion of its annual Toy Drive in partnership with River Oak Center for Children. Through this collaboration, gifts were provided to 300 families in the community, helping bring joy and support to children and caregivers during the holidays.

CAHIP NorCal Board members Lauren Bayha (BayhaBenefits Insurance Solutions), Corinne Huey (BayhaBenefits Insurance Solutions), Michele Childers (Cypress Dental), and Josh Edwards (Eureka Insurance Solutions) attended the gift-wrapping event, volunteering their time to help prepare presents once families had made their selections.

“Giving back to our community is a meaningful part of who we are as an organization,” said Michele Childers, CAHIP NorCal Community Service Chair. “It was incredibly rewarding to serve local families and to partner with River Oak Center for Children once again. Their dedication to supporting children and families makes a real difference, and we’re honored to be part of that work.”

The Toy Drive reflects CAHIP NorCal’s ongoing commitment to community service alongside its work in advocacy, education, and professional development for health insurance and benefits professionals.

CAHIP NorCal extends sincere gratitude to River Oak Center for Children and to all members and volunteers who contributed their time and generosity to make this initiative a success.

For more information about CAHIP NorCal and future community events, please visit www.cahip-norcal.org. For more information about River Oak Center for Children and the important work they do, please visit www.riveroak.org.

From left to right, CAHIP Legislative Chair Josh Edwards (Eureka Insurance Solutions), CAHIP Community Service Chair Michele Childers (Cypress Dental), CAHIP Executive Director Lauren Bayha (BayhaBenefits Insurance Solutions), and CAHIP Media Relations Chair Corinne Huey (BayhaBenefits Insurance Solutions).

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For over 37 years, CAHIP-NorCal has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: CAHIP-NorCal.org. 

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CAHIP NorCal is proud to announce that they exceeded their fundraising goal for this year’s CAHIP NorCal Turkey Drive benefitting the River Oak Center for Children. With an initial goal of $2,000, their generous members and community partners came together to raise $2,270, helping to provide full Thanksgiving meals to 50 families in the Sacramento area.

Thanks to these contributions, each family received a Thanksgiving meal box complete with mashed potatoes, stuffing, green beans, pie, and all the essentials that make the holiday special. These boxes were assembled and distributed by the River Oak Center for Children, whose mission is to support vulnerable youth and families in the Sacramento region.

“CAHIP NorCal is honored to support River Oak’s important work,” said Lauren Bayha, CAHIP Nor-Cal Executive Director. “Our members show up year after year with compassion and generosity, and we’re grateful to everyone who helped us surpass our goal and make a meaningful impact in our community.”

The CAHIP NorCal Turkey Drive is an annual tradition that reflects the chapter’s ongoing commitment to service, community partnerships, and supporting local families in need. They extend heartfelt thanks to every individual and organization who donated, shared, or helped spread the word. That generosity ensured that dozens of families can enjoy a warm, abundant Thanksgiving meal together.

For more information about CAHIP NorCal and future community initiatives, please visit www.cahip-norcal.org. For more information about River Oak Center for Children and the important work they do, please visit www.riveroak.org.

From left to right, CAHIP Community Service Chair Michele Childers (Cypress Dental), CAHIP President Brad Wright (ABC Workforce), CAHIP Past President David Brabender (Atman Insurance), CAHIP Media Relations Chair Corinne Huey (BayhaBenefits Insurance Solutions LLC), and CAHIP New Membership Chair Kaley Olsen (Human Interest).

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For over 37 years, CAHIP-NorCal has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: CAHIP-NorCal.org. 

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On the day of the event, CAHIP Norcal board members—David Brabender, President; Lauren Bayha, Executive Director; Andrew Garnett, Community Services Chair; Shae Trombatore, Media Chair; and Kyle Frantz, Communications Chair—volunteered their time wrapping gifts for children and families. The festive spirit was contagious as families flowed in and out, enjoying the beautifully decorated “Winter Wonderland” and the warmth of a community coming together for a meaningful cause.

About River Oak Center for Children
River Oak Center for Children is one of the region’s largest providers of behavioral and mental health services for financially disadvantaged children and youth. Serving over 1,000 children and youth daily, the organization offers innovative, evidence-based practices tailored to the individual needs of each family, ensuring the highest quality care.

During the holidays, River Oak recognizes the unique challenges faced by families already struggling to meet basic needs. Their annual Toy Drive and Santa’s Workshop aim to brighten the season by providing gifts to children and their siblings, easing stress and creating lasting joy. Last year, over 1,000 children and youth, from birth through age 21, received holiday gifts thanks to the generosity of community members.

CAHIP Norcal is honored to be part of this impactful initiative and looks forward to continuing its partnership with River Oak Center for Children to support their incredible work in the community.

For more information about CAHIP Norcal or to get involved in future community events, please visit https://cahip-norcal.org/.

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For over 36 years, CAHIP-NorCal has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: CAHIP-NorCal.org. 

The post CAHIP NorCal Spreads Holiday Cheer Through Support of River Oak Center for Children’s Annual Toy Drive appeared first on CAHIP NorCal.

Key Proposed Changes Relevant to Brokers and TPMOs

1. Marketing Oversight
   • CMS proposes increased oversight of advertisements and marketing practices to protect beneficiaries from misleading content. These changes may require brokers and TPMOs to adjust marketing strategies to comply with stricter regulations.
2. Provider Directories Integration
   • MA plans will be required to share full provider directories with CMS for inclusion in Medicare Plan Finder. This change aims to enhance transparency and enable beneficiaries to make informed decisions, potentially altering how brokers present plan options.
3. Prior Authorization Reforms
   • New guardrails are proposed to reduce inappropriate use of prior authorization processes. Brokers will need to stay informed about these updates, which aim to streamline care access for beneficiaries.
4. Anti-Obesity Medication Coverage
   • CMS proposes reinterpreting Part D rules to cover anti-obesity medications. This expansion may influence client plan choices and discussions regarding health benefits.

5. Medical Loss Ratio (MLR) Updates
   • Adjustments to reporting requirements for MA and Part D MLRs aim to promote transparency and address concerns about vertical integration.

HOW TO TAKE ACTION:

Watch for the Opportunity: Stay alert for when the comment period opens to submit your feedback.

Read the Proposal: Review the unpublished document here.

Stay Tuned: Once the comment period opens, check the Federal Register for the opportunity to submit your comments.

Why Participation Matters

These proposed changes directly affect how brokers and TPMOs operate, interact with clients, and comply with marketing and administrative requirements. By submitting comments, you can:

• Provide insights on how these changes impact your operations and client interactions.
• Suggest practical adjustments to proposed policies.
• Contribute to shaping a regulatory framework that supports Medicare beneficiaries and the professionals who serve them.

To review or comment on the CY 2026 MA and Part D proposed rule during its 60-day public comment period, visit the Federal Register.

For more information on the CY 2026 MA and Part D proposed rule, view the fact sheet. 

View the full Press Release here.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post CMS Announces Medicare Advantage and Part D Proposed Rule for CY 2026: Key Impacts for Brokers and TPMOs appeared first on CAHIP NorCal.

With the premium increases and plan terminations happening frequently, CAHIP-Norcal encourages all Medicare beneficiaries to work with a broker who specializes in senior health benefits so that you can feel confident in your health coverage and avoid coverage gaps, or unexpected cost increases.

At a Glance: 2025 Costs:

• Part A (Hospital Insurance):
  • Inpatient hospital deductible: $1,632 (+$32 from 2024)
  • Daily coinsurance (61st–90th day): $408 (+$8)
  • Daily coinsurance (lifetime reserve days): $816 (+$16)
• Part B (Medical Insurance):
  • Monthly premium: $174.70 (+$9.80)
  • Annual deductible: $266 (+$14)
• IRMAA (Income-Related Monthly Adjustment Amounts):
  • Premiums range from $243.10 to $594.00, based on income levels.

New for 2025

• Under the Inflation Reduction Act, beneficiaries will see capped out-of-pocket costs for Part D prescription drugs, with a maximum annual limit of $2,000 starting in 2025.
• Expanded Low-Income Subsidy: The Extra Help program is broadened to offer full benefits to individuals with incomes up to 150% of the federal poverty level.
• Price Negotiations: Medicare will implement negotiated prices for certain high-cost prescription drugs.

For full details, visit the CMS announcement here.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post CMS Releases 2025 Medicare Premium and Deductible Updates appeared first on CAHIP NorCal.

Sacramento, CA – With just 10 days left, CAHIP-Norcal is calling on the Sacramento community to help in the final stretch of the 2024 Turkey Drive to support River Oak Center for Children.

CAHIP-Norcal has set a goal again this year to provide Thanksgiving meals for 25 River Oak families in need, ensuring they have a joyful holiday meal.

“We’ve seen firsthand how much of an impact this drive has on local families, and with just 10 days left, we are confident that the generosity of our CAHIP members and the Sacramento community will help us reach our goal,”said David Brabender, President of CAHIP-Norcal.

CAHIP-Norcal invites the community to donate to the Turkey Drive, with all proceeds going directly to River Oak Center for Children. The donations will directly support the purchase of Thanksgiving meals for local families in need.

How to Contribute:
Donate to the 2024 River Oak Center for Children Turkey Drive through the GoFundMe campaign:
Donate Here

Deadline: Donations are being accepted until November 25, 2024. Your contribution will help ensure 25 families receive the items they need for a delightful Thanksgiving meal.

About River Oak Center for Children:
The River Oak Center for Children provides vital services to children and families in the Sacramento area, focusing on behavioral health support, family services, and resources to improve the well-being of at-risk children and families.

To learn more about this event and other upcoming events, visit our website at

cahip-norcal.org/event/.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post CAHIP-Norcal Invites the Community to Help Bless 25 Families This Thanksgiving appeared first on CAHIP NorCal.

Covered California launched its 2025 open enrollment period yesterday with a press conference at the California State Library in Sacramento. Secretary Xavier Becerra of the U.S. Department of Health and Human Services joined state leaders and key representatives from the health insurance industry to emphasize the importance of accessible health coverage and health literacy for Californians.

Rosamaria Marrujo, CEO of Trusted American Insurance Agency and President of the California Association of Health Insurance Professionals (CAHIP), attended the event representing the agent and broker community. Highlighting the vital role brokers play in expanding healthcare access, Marrujo stated, “It was wonderful to meet Secretary Becerra and showcase the importance of agents and brokers in the community.”

During the event, Covered California’s Executive Director Jessica Altman acknowledged and thanked the contributions of brokers, expressing appreciation for their continued service.

Highlights of Covered California’s Open Enrollment for 2025:

• New Financial Assistance for Californians: Beginning Nov. 1, increased state funding through Covered California’s cost-sharing reduction program will provide enhanced support, especially for those above 200% of the federal poverty level. The program offers no-deductible plans and reduced out-of-pocket costs for over 800,000 enrollees.
• Expanding Eligibility for DACA Recipients: For the first time, Deferred Action for Childhood Arrivals (DACA) recipients can enroll in Covered California plans, providing an additional estimated 40,000 Californians access to affordable health coverage.
• “Let’s Talk Health” Literacy Campaign: Covered California launched this statewide initiative to improve health literacy, partnering with local libraries to offer in-language resources and educational events to help consumers understand their health insurance options.
• Record-Low Uninsured Rates in California: California’s uninsured rate has fallen from 17.2% in 2013 to a historic low of 6.4% in 2023, illustrating the success of outreach and financial support programs in expanding access to health coverage.

With open enrollment running through Jan. 31, 2025, uninsured Californians are encouraged to explore their coverage options. 

Trusted American Insurance Agency’s CEO, Rosamaria Marrujo, is a dedicated advocate for advancing access to affordable healthcare for all Californians. As she continues her work at the state level, she is committed to representing brokers statewide and highlighting the essential support they provide to their communities. 

Visit CAHIP’s Newsroom to learn more about on-going healthcare and legislative updates. If you are interested to learn more about how to get involved and directly support state and national Political Action Committees program visit our Legislative Programs page.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post CAHIP President, Rosamaria Marrujo – Represents the Agent/Broker Community at the Covered California Press Conference Ahead of Open Enrollment appeared first on CAHIP NorCal.

Tournament Highlights and Winner Celebrations:

1st Place Winner: Aetna Foursome

• Noah Woehler (hit a Hole-in-One at hole #12!)
• Daniel Hawkins
• Tyrone Sales
• Jacob Woehler

2nd Place Winner: Cypress Dental Foursome

• Andrew Garnett
• Chuck Richesin
• Ryan Andrew
• Mike Updegraff

1st Place Mixed Team: Capitol Insurance Solutions Foursome

• Maia Francis
• Jackie Fitzhenry
• Tim Murphrey
• Josh Hedger

Closest to the Pin Winners:

• Men: Dylan Asherman
• Women: Carmen Perea

Longest Drive Winners:

• Men: Daniel Hawkins
• Women: Marissa Herndon

Danny Langarica from Cal Choice remarked, “Yesterday was one of the best SAHU Golf Tournaments I’ve ever been to. So much fun!” This sentiment was echoed by many attendees, highlighting the success and enjoyment of the day. 

A huge thank you to all our sponsors! Your support was essential in making this event a success, and we truly appreciate it.  We look forward to seeing you all again next year!

• Event Sponsor: Word & Brown
• Social Media Sponsor: Berkley Accident and Health
• Party Tee Sponsor: Mutual of Omaha
• Margarita Sponsor: Western Health Advantage
• Tee Sponsor: Dickerson Insurance Services
• Drink Cart Sponsor: Colonial Life
• Cannon Hole Sponsor: Anthem
• Longest Drive Sponsor: Q Benefits
• Tee #10 Lunch Platinum Sponsor: Amwins
• Hole-in-One Sponsor: Paycor

To learn more about SAHU’s events, becoming a member or sponsor, please visit our website, sahu-ca.com.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post Swinging Success: 2024 SAHU Golf Tournament Recap! appeared first on CAHIP NorCal.

From left to right; Michele Meder-SAHU Awards Chair, Brad Wright- SAHU Legislative Co-Chair, Michele Mills-SAHU Secretary, David Brabender- SAHU President-Elect, Addison Beverly- Aetna, Cerrina Jensen- SAHU PAC Chair, and SAHU members/guests, Aaron Jenson, Carmen Perea and Cora Lynn Alvar .

From left to right, Legislative advocate, Faith Borges, Tim Kanter, CAHIP President, Assemblyman, James Gallagher, Rosamaria Marrujo, and Paul Roberts, CAHIP VP Legislation.

Helen Ornellas- SAHU President and Jack Holder-CAHIP VP PAC Chair.

The post SAHU Celebrates Victories at 2024 California Capitol Summit appeared first on CAHIP NorCal.

Held last Thursday, the event highlighted the growing popularity of cornhole as a recreational activity among SAHU members.

The top three teams emerged victorious after a day of intense competition:

• 1st Place: Danny Langarica (Cal Choice) & Andy Fullerton (Wraith Scarlett Randolph) – Prizes included 2 Giants tickets and a $50 Firehouse gift card.
• 2nd Place: Brian Coppin (Cal Choice) & David Parker (Cigna + Oscar) – Prizes included a $50 Top Golf gift card and a $25 movie theater gift card.
• 3rd Place: Enoch Barrios (Covered CA) & Guest – Prizes included a $25 movie theater gift card.

Special recognition goes to Cerrina Jensen, who narrowly missed being the first woman to make it into the top 3. Her performance was commendable and showcased the inclusive nature of SAHU events.

The event also provided a platform for valuable networking opportunities, allowing brokers and general agents to connect in a relaxed setting. Participants enjoyed the friendly yet competitive atmosphere, fostering a sense of community among attendees.

“We’re thrilled with the success of this year’s Vanguard Cornhole event,” said Helen Ornellas, SAHU President. “It was great to see everyone come together for a day of fun and networking.”

SAHU would like to thank all the participants, sponsors and volunteers who made this event possible.

2024 Vanguard Cornhole Sponsors:

• Aetna
• Aflac
• Amwins
• Anthem
• Beam
• Bruins Legal Documentation
• Cal Choice
• Covered California
• Kaiser Permanente
• Marshall
• People Rock
• Sun Life
• Sutter Health
• VSP
• Western Health Advantage
• Word & Brown

For more information about SAHU and future events, visit sahu-ca.com.

To view more details about the event, visit our Cornhole Event page.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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Helen Ornellas, SAHU President, remarked, “The room was filled with like-minded Brokers and Agents who wanted to know what’s going on firsthand and were not let down, amazing evening.”

Guest speakers Faith Borges, Legislative Advocate, and Rob Stutzman, political commentator, provided updates on California health insurance and the current political landscape. The focus was on the Single Payor system and its status across political lines, highlighting the importance of being involved in shaping healthcare policy.

Faith Borges also spotlighted the pending initiative to implement a mandatory statewide insurance program for long-term care services and supports. Visit Long Term Care Insurance Task Force to learn more. Attendees engaged in discussions with special guests, including CAHIP President Tim Kanter and CAHIP VP of PAC Jack Holder, enriching the evening with valuable insights and expertise.

For those who missed the event, there’s an opportunity to stay involved by attending the upcoming CAHIP Capitol Summit in May. This event offers a chance to connect with industry experts, engage in discussions with legislative speakers and guests as they address the most recent healthcare concerns.

“We invite all members and those in the community to attend the upcoming CAHIP Capitol Summit in May,” said Helen Ornellas, SAHU President. “It’s another opportunity to connect, engage, and drive positive change in our healthcare system.”  For more information about the CAHIP Capitol Summit, visit Capitol Conference details HERE.

SAHU extends its gratitude to its members, event sponsors, and the community for their dedicated support and participation in the PAC event. Together, we are making a difference and driving positive change in healthcare.

Learn more about PAC HERE.

If you would like to support PAC directly, you may do so HERE.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post SAHU PAC Event Recap: A Night of Impact and Insight appeared first on CAHIP NorCal.

The event, held at Citrus Heights Community Center, was a huge success, thanks to the generous support of our sponsors. Their contributions helped make this event possible and allows SAHU to continue its mission of supporting other health insurance professionals, and our advocacy for better health care in California.

The evening featured a delectable array of seafood, including 800 pounds of crab and 100 pounds of shrimp, which were enjoyed by all.

Guests got into the groove at the silent auction, bidding on disco-tastic items like tropical trips, sports memorabilia, and art pieces. Adding to the disco fever, a dazzling array of desserts, generously donated by SAHU members and sponsors were eagerly bid on and enjoyed by many.

The evening concluded with an unforgettable costume contest and dance-off, where guys and gals showed off their best disco moves and grooved to the sounds of the ’70s.

SAHU would like to thank all of our sponsors, donors, and attendees for making this event a success. Your support is truly appreciated and will help SAHU continue to serve the health underwriting community in Sacramento.

SAHU extends a special thank you to the incredible committee, whose diligent work made this evening success:

• Diane Christian – InterWest
• Carmen Perea – Benefit Mall
• Rosamaria Marrujo – Trusted American
• Penelope Yanez – Kaiser Permanente
• Peter Alamillo – Delta Dental
• Helen Ornellas – Ornellas & Associates
• Specs Lanham
• Liz Mack – Kaiser Permanente
• Jackie Martinez – Ornellas & Associates
• David Pierce – Canopy Health
• Cerrina Jensen – Stellar Stories
• David Brabender – Atman Insurance
• Addison Beverly – Aetna
• Lauren Bayha – BenefitsBay

To view the full gallery, and get a full recap of the evening, visit our SAHU site.     

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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SACRAMENTO, December 19, 2023 — After weeks of anticipation and community engagement, the Sacramento Association of Health Underwriters (SAHU) is pleased to share the success of its collaboration with the River Oak Center for Children for the annual toy drive. The initiative aimed to bring holiday cheer to 100 children of all ages, and thanks to the unwavering support of the community, it exceeded expectations.

The streamlined donation process through the Amazon shopping link proved to be a resounding success, allowing community members to effortlessly contribute and make a meaningful difference in a child’s Christmas morning. SAHU extends its deepest gratitude to everyone who clicked, shopped, and shared in the spirit of giving.

In addition to online contributions, SAHU members took part in a special in-person volunteer opportunity at the ‘Santa Workshop,’ hosted by the River Oak Center for Children on Thursday, December 14th, 2023. This unique event transformed SAHU members into Santa’s elves, as they dedicated their time to wrapping gifts that will create enchanting moments for parents and children on Christmas morning.

“Once again, the Sacramento Community has come together to bring joy to the families who need it the most this holiday season. said Andrew Garnett, Community Services Chair.  The Toy Drive was a huge success! Members of SAHU were able to meet many of the families that will be receiving the toys on behalf their children.  The gratitude these mothers, fathers, and grandparents had as we wrapped up their toys for them was unbelievable. It’s an experience I will never forget.  I am very grateful to be a small part of the kindhearted community that we are.   Thank you for all your support! Merry Christmas and Happy New Year from all of us at SAHU.”

As SAHU wraps up this year’s toy drive, the organization remains committed to its mission of making a positive impact in the community. The success of this initiative reinforces SAHU’s dedication to serving and uplifting those in need, and the association looks forward to continuing its meaningful contributions in the future.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

The post Sacramento Association of Health Underwriters (SAHU) Delivers Holiday Joy with Successful Completion of donating to the River Oak Center for Children Toy Drive appeared first on CAHIP NorCal.

CMS has introduced a comprehensive proposed final rule, CMS-4205-P, set to bring about substantial changes to Medicare Advantage and Part D programs, effective from the 2025 contracting year starting September 30, 2024. Notably, the proposed rule addresses critical aspects of Medicare marketing and communications policies, particularly impacting agent and broker compensation outlined in Section 1851(j) of the Act.

Key elements of the proposed final rule encompass the elimination of administrative fees and overrides, restrictions on services provided to Medicare agents, impacts on different agency types, changes in marketing reimbursements and Health Risk Assessments (HRA) fees, modifications in commission structures, and operational adjustments for agents and agencies.

SAHU and its board members believe that CMS-4205-P may have certain drawbacks, particularly as this policy would essentially leave agents and brokers unable to directly recover administrative costs. These adjustments impacting FMO/Agency support, training, technology, and related aspects will influence beneficiary options by diminishing the number of agents not only promoting Medicare Advantage but also providing a diverse range of plans. In essence, this regulation is poised to yield outcomes contrary to its intended objectives.

“Field Marketing Organizations (FMOs) are General Agents who provide training, and a multitude of compliance expertise to field agents. Agents struggled to comply with the recent CMS recording requirements, but FMOs were able to quickly provide a scalable solution. Without the general support of FMOs, insurance carriers would need to provide these services, raising their administrative costs and premiums to beneficiaries.” Says, NABIP CEO Jessica Brooks-Woods.

With the CMS-4205-P proposal open for public comment until January 5th, SAHU urges its members and the broader community to unite in advocating for the best interests of our clients and the sustained strength of our profession. We encourage everyone to contribute professional and constructive feedback, and comments can be conveniently submitted through Regulations.gov.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post CMS’ 2025 Proposed Final Rule: SAHU Advocates for Industry Response with Compensation & Marketing Changes On the Rise appeared first on CAHIP NorCal.

This year, River Oak has streamlined the donation process, making it easier than ever to contribute. Simply click on the Amazon shopping link and choose a gift to make a meaningful difference in a child’s Christmas morning.

For those looking for a hands-on experience, SAHU invites you to join a special in-person volunteer opportunity at the ‘Santa Workshop’ hosted by the River Oak Center for Children. Be part of the magic on Thursday, December 14th, 2023, as we become Santa’s elves, wrapping gifts to help create enchanting moments for parents and children on Christmas morning.

Volunteer sign-ups are available on our SAHU Event Page here.  This is a fantastic chance to donate your time, spread the festive spirit, and assist families in preparing for their Christmas morning.

“We all know that it’s not about what’s under the tree at Christmas, it’s about who’s around it. Join us in coming together to embrace those families who need it the most and spread the magic of Christmas,” says Andrew Garnett, Community Service Chair at SAHU.

How to Get Involved:

Donate Online: https://cahip-norcal.org/event/river-oak-center-for-children-holiday-gift-drive-2023/.  You will find a helpful Shopping list and link to shop!

 ‘Santa’s Workshop’ Volunteer Sign-up:  Volunteer days are being held at the River Oak Center on December 14th, with various time slots available to select.  This year, River Oak is looking for volunteers to checkout items, wrap gifts, replenish items, and lend a helping to support this event.  Click this sign-up form to register.

To learn more about this event, visit our SAHU Events Page.

We hope you can join us in the spirit of giving back this season to bless 100 kids with a special gift this Christmas. The SAHU community wishes everyone a joyful and magical holiday season!

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post SAHU Teams Up with River Oak Center for Children to Support Their Annual Christmas Toy Drive appeared first on CAHIP NorCal.

This year, River Oak has streamlined the donation process, making it easier for everyone to contribute to this meaningful cause. By clicking the DONATE button on our website, you can support our mission and help us reach our goal of providing nutritious and delicious Thanksgiving meals for 25 deserving families.

Donations will be accepted through Friday, November 17th, 2023, allowing ample time for community members and organizations to participate and make a difference in the lives of those less fortunate during the holiday season.

We cordially invite you to join us on November 20th from 10:00 AM to 10:15 AM at 5445 Laurel Hills Dr., Sacramento, CA 95841, for a special photo opportunity as we celebrate and share in the success of our Turkey Drive initiative. RSVP now to secure your spot for this heartwarming event and witness the impact of your generosity firsthand.

Andrew Garnett, SAHU’s Community Services Chair, expressed his optimism for the project, stating, “When we extend a helping hand, we create a community of giving.” Let’s come together and build a stronger, more compassionate community by ensuring that every family possible can enjoy a Thanksgiving feast this year. For further information and to RSVP, please visit our website at https://cahip-norcal.org/event/2023-river-oak-center-for-childrens-turkey-dinner-drive/.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post SAHU and River Oak Center for Children Partner Once Again to feed 25 families this Thanksgiving! appeared first on CAHIP NorCal.

SAHU also proudly announced the exceptional individuals who will be joining the SAHU board for the 2023-2024 term. This esteemed group of professionals brings their expertise and dedication to further enhance our organization’s mission, ensuring a bright future for SAHU.

The vibrant atmosphere was complemented by the presence of 30+ exhibitors who showcased the latest trends, products, and services in the industry.

Our fantastic Keynote speaker, Ryan Howard, Corporate Executive with AnalytIQ Advisors, left our audience inspired with his insights on empowering insurance sales agents through the strategic utilization of AI tools for enhanced customer engagement and substantial revenue growth.  We also had the privilege of welcoming Tim Kanter, President of California Association of Health Insurance Professionals (CAHIP), who delivered a powerful and informative legislative update, keeping our attendees well-informed on the latest industry developments. We extend our heartfelt thanks to Ryan Howard and Tim Kanter for their invaluable contributions, which enriched the Expo experience for all.

We owe a great deal of gratitude to our sponsors, each of whom played a pivotal role in making the Expo an unparalleled experience!  A big shout out to Brand New Day for ensuring our attendees started their day with a nourishing breakfast, and River City Medical Group for curating an exquisite lunch. The event was energized with coffee breaks sponsored by Word & Brown, while Dignity Health brought everyone together with an enjoyable Happy Hour.  Recognition is also due to California Choice for their badge sponsorship, and Alignment Health Plans for taking on the mantle of Certification Sponsor.

Finally, we extend our profound appreciation to Western Health Advantage for championing this event as our main sponsor. Their unwavering support made it possible for SAHU to elevate the Business & Medicare Expo to new heights.

We look forward to future collaborations and even more successful events!

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post SAHU’s 2023 Business & Medicare Expo: A Resounding Success! appeared first on CAHIP NorCal.

The Centers for Medicare & Medicaid Services (CMS) revealed on Thursday, August 31^st 2023, that the initial group of ten Medicare Part D medications slated for negotiation under the Inflation Reduction Act (IRA) has been identified.

These drugs have been designated based on the outlined criteria within the IRA. This legislation mandates that CMS prioritize drugs with the highest Medicare expenditure and minimal competition, among other considerations. The resulting roster encompasses medications that are crucial for numerous Medicare recipients in treating various conditions such as cancer, diabetes, blood clotting, heart failure, autoimmune disorders, and chronic kidney disease.

Negotiations regarding pricing will commence this year between CMS and the participating pharmaceutical manufacturers. Finalized prices will be disclosed next autumn by CMS, with implementation set for 2026. In the ensuing years, additional medicines will be included for negotiation.

Projected Benefits for Beneficiaries and Medicare

In 2022, the U.S. Department of Health and Human Services (HHS) approximated that the expenses for the chosen ten drugs totaled $3.4 billion in out-of-pocket payments for Medicare beneficiaries. While the specific savings for individual beneficiaries through the IRA’s negotiation initiative will be contingent on the forthcoming reductions in prices, overall reduced costs are anticipated across the board. It is noteworthy that the Congressional Budget Office (CBO) predicts that these negotiations could save Medicare a total of $98.5 billion over a ten-year span, subsequently leading to decreased financial burdens for beneficiaries and taxpayers. Importantly, this law will achieve these outcomes while simultaneously enhancing health results and program stability. The CBO underscores that the lowered drug costs will encourage better adherence to prescribed medications, ultimately enhancing beneficiary well-being and diminishing the necessity for more expensive medical care covered by Medicare.

Furthermore, complementary reforms tied to the IRA are either already in effect or will soon be implemented, further enhancing the affordability and accessibility for beneficiaries. Several key measures are already active, such as capping monthly insulin prescription costs at $35, providing no-cost Part D vaccines, and reducing coinsurance for certain Part B drugs. In the upcoming year, an increased number of Medicare beneficiaries will experience relief as the IRA abolishes enrollee expenditures in the Part D catastrophic phase and extends full Part D Low Income Subsidy (LIS) coverage to individuals with incomes equal to or less than 150% of the poverty threshold. By 2025, the legislation will also impose a limit of $2,000 per year on beneficiary Part D drug expenses and allow beneficiaries to pay these costs in more predictable monthly installments, offering vital financial security.

Previous estimates from HHS indicated that the Part D changes brought about by the IRA would save a minimum of $400 for one out of every three enrollees in 2025. Notably, a considerable number of beneficiaries will experience even more substantial savings: over eight million will witness a $759 reduction, and nearly two million will benefit from a $2,500 decrease, reflecting a 66% reduction relative to their present costs. Once the negotiation program is initiated in 2026, these savings are expected to expand further.

Engaging the Public

This initiative encompasses ten virtual public Listening Sessions set to take place in the upcoming fall, with each session focusing on one of the selected drugs. The agency has stated that this series will “offer an avenue for patients, beneficiaries, caregivers, consumer and patient organizations, and other interested parties to provide input relevant to the drugs chosen for the initial round of negotiations.” Stakeholders are required to pre-register for the opportunity to make live, public statements.

“It’s important for insurance agents to educate their clients about the impact of the Inflation Reduction Act this year more than ever.” Rosamaria Marrujo, past SAHU president and incoming CAHIP president.

Additionally, CMS will accept written statements from September 1 to October 2, 2023. Further details about how to contribute to CMS concerning the negotiation process can be found here
https://www.cms.gov/inflation-reduction-act-and-medicare/medicare-drug-price-negotiation

For More Information:
To access the CMS announcement, click here.

For a comprehensive fact sheet from CMS about the drugs selected for the Medicare Drug Price Negotiation Program, along with additional details about patient-focused listening sessions, please visit this link.
https://www.cms.gov/files/document/fact-sheet-medicare-selected-drug-negotiation-list-ipay-2026.pdf

For further information about the upcoming listening sessions and the opportunity for written comments, refer to this resource.
https://www.cms.gov/inflation-reduction-act-and-medicare/medicare-drug-price-negotiation-program-patient-focused-listening-sessions

For in-depth insights into the Medicare Drug Price Negotiation Program, explore further here.
https://www.cms.gov/inflation-reduction-act-and-medicare/medicare-drug-price-negotiation

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post The Centers for Medicare & Medicaid Services (CMS) identifies a group of ten Medicare Part D medications slated for negotiation under the Inflation Reduction Act (IRA) has been identified. appeared first on CAHIP NorCal.

Board Members and their Roles:

Helen Ornellas
President

David Brabender
President-Elect

Rosamaria Marrujo
Past-President

Jacqueline Martinez
Treasurer

Lauren Bayha
Executive Director

Michele Mills
Secretary

Michele Meder
Awards Chair

Tamara Moreau
Carrier Relations

Brad Wright
Legislation Co-Chair

Telly Tasakos
Membership Retention Chair

Adam Aguilar
Professional Development Chair

Cerrina Jensen
Political Action Committee Chair

Andrew Garnett
Community Services Chair

Kyle Frantz
Communications Chair

Antonette Vanasek
Media Relations Chair

Dave Fear Jr.
Legislative Co-Chair

Danny Langarica
Vanguard Chair

Angie Caruso
New Membership Chair

Andy Glenn
Programs Chair

Renée Balcom
Diversity, Equity, and Inclusion Chair

Dalia Sutton
Medicare Chair

Our Mission and Vision for the 2023-2024 Term

President Helen Ornellas shares her vision for the year, stating, “Our mission in 2023-2024 is mentorship and leadership.  SAHU is looking for those who would like to make a difference in our chapter, in the industry, and their careers. We have started the Past Presidential Advisory Committee to provide insight, one on one mentorship, and guidance for those who are interested in leadership at the Chapter Level, State Level and National. Or lets us know how we can help you; we have the tools and people! 35 Years strong.”

SAHU Board Nominations

Joining the SAHU board can provide a wide range of benefits for both personal and professional growth. By becoming a board member, you can expand your network and connect with other industry professionals.  Additionally, you can have a direct impact on the strategic direction and decision-making processes of the association. Serving on the board can also enhance your leadership and teamwork skills, as you work collaboratively with other members to achieve common goals.  It’s an opportunity to give back to the community and make a positive impact on the industry, while also gaining valuable experience and building your resume.

Perhaps you or someone with whom you have served has the vision and the passion, both for the association and for the industry as a whole, to help lead SAHU in the coming years.

 To nominate a deserving candidate or even yourself, please visit https://cahip-norcal.org/sahu-officers-nomination-form/.  The deadline for nominations is April 15, 2024.

Let us work together to build a stronger, more vibrant SAHU community.

2023-2024 SAHU Board Members Induction

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post Sacramento Association of Health Underwriters (SAHU) Announces 2023-24 Board Members appeared first on CAHIP NorCal.

SACRAMENTO, CA – Jun 30^th 2023 – The Sacramento Association for Health Underwriters (SAHU) would like to extend its gratitude to all its dedicated members who actively participated in NABIP’s Operation Shout to oppose SB 770, a bill aimed at financing a state-run health care system in California.

Despite the tremendous efforts and numerous communications from CAHIP members, SB 770, which seeks to advance Single Payer Health Care system in California, has successfully passed the Assembly Health Committee and is now progressing to the Assembly Appropriations Committee.

If enacted, legislation would establish a workgroup with the goal of petitioning the federal government to redirect significant funding, potentially amounting to hundreds of billions of dollars, from Medicare and Medi-Cal.  The intention behind this redirection would be to support the implementation of a state-run health care system, which has yet to undergo comprehensive testing, including an assessment of its potential costliness.

SAHU kindly urges all its members and non-members to take the time to review the details of SB 770. You can find the fully written Bill here: https://leginfo.legislature.ca.gov/faces/home.xhtml

We encourage you to talk to your Assemblymember about the potential implications it may have.  If you would like to join SAHU in expressing opposition, we invite you to visit the following link https://nabip.quorum.us/campaign/48542 and participate in Operation Shout. Your voice holds significance, and your participation can potentially contribute to the outcome of this bill.

If you are not a member of SAHU, click here- https://cahip-norcal.org/benefits to learn more about our great organization and how you can join.

If you are interested in supporting our PAC contribution, click here: https://www.efundraisingconnections.com/c/CAHUPAC/

In the coming weeks, SAHU will diligently provide updates on the progress of SB 770 in the Assembly Appropriations Committee. We assure you that we will keep you informed of any developments as soon as the information becomes available, with the latest update expected no later than September 1, 2023.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post SB 770- Bill to Finance a State-run Healthcare System Advances to Assembly Appropriations Committee appeared first on CAHIP NorCal.

SAHU strongly opposes – SB 770: a proposed legislation that would create a costly and untested state-run health care system.  SAHU emphasizes that implementing SB 770 would eliminate existing Medicare and Medi-Cal programs, leaving millions of Californians without essential health care coverage.   SAHU warns that SB 770 does not introduce new providers or facilities, potentially leading to longer wait times for procedures, reduced access to specialists, and a loss of doctors to other states. The association urges the Legislature to pursue constructive and viable solutions to enhance access to affordable health care.

SB 770 is the first step towards a single-payer health care system, which not only eliminates Medicare and Medi-Cal but also prohibits private health coverage, including employer-sponsored plans. The projected cost of over $500 billion per year would require significant tax increases on individuals, employers, and small businesses.

CAHIP states in its own talking points of this year’s Summit, that there has been “progress made in expanding access to affordable health coverage in California since the passage of the Affordable Care Act. Californians are satisfied with their health care and prefer to build upon this progress, preserving their ability to choose private coverage for their families.” 

To read more about CAHIP’s Capitol Summit talking points, visit their website- https://www.cahu.org/cahip-capitol-summit-talking-points.

SAHU Supports AB 716: Protecting Californians from Costly Surprise Billing for Ambulance Services.  SAHU stands behind AB 716, a vital legislative measure aimed at safeguarding injured Californians from burdensome balance bills and resolving billing disputes for emergency ground ambulance services beyond their control. 

By passing AB 716, Californians will be protected from excessive out-of-pocket expenses and relieved from the complexities of billing disputes between health plans and ground ambulance service providers. This legislation is crucial in addressing the common practice of surprise billing, or “balance billing,” which often leaves injured individuals in the midst of billing disputes for essential services.

ON WATCH– SAHU is also closely monitoring AB 1690, a “spot bill” lacking substance and a funding source for a proposed government monopoly on health care.  SAHU advocates for market stabilization strategies and supports AB 716, which aims to protect Californians from expensive balance billing for emergency services.

Dave Fear Jr., SAHU Legislative chair says this, “Addressing our elected legislators, whether in DC or Sacramento, is such an important part of our governmental system. Being able to meet face to face and let them know who we are, what we do and how we work to make things better is a fundamental part of citizenship in this country!”  SAHU maintains a steadfast commitment to actively engage and participate in relevant legislative proceedings and keeping the public informed with accurate information. 

If you are interested in learning more about current health insurance industry news and legislative updates, please visit our website, https://cahip-norcal.org.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post SAHU’s summary of the 2023 CAHIP Capitol Summit appeared first on CAHIP NorCal.

SAHU’s Annual Crab Feed was a tremendous success, thanks to the hard work and dedication of the organizers and the generous support of the attendees. The event was held to support a worthy cause, the American Cancer Society, and the attendees’ contributions raised an astounding $20,000 to aid in cancer research and support services.

The evening was filled with exciting activities, including a silent auction, where 68 auction items were sold, and 10 items were generously donated. The event’s attendees also had a sweet tooth, as 23 desserts were donated and sold at the event.

“{insert quote},” said [Name], President of SAHU. “We are incredibly grateful for the support and contributions from our attendees, which enabled us to raise $20,000 for the American Cancer Society. It’s truly heartwarming to see how our community comes together to support a worthy cause, and we can’t thank our attendees enough.”

SAHU’s Annual Crab Feed is a significant event for the community, bringing together members of the Sacramento community to support a worthy cause while enjoying a delicious meal and engaging in fun activities. SAHU is committed to continuing its efforts to support the community and make a positive impact.

For more information on SAHU and its efforts, please visit their website at sahu-ca.com.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

The post SAHU’s Annual Crab Feed 2023 Draws Crowds and Raises Funds for American Cancer Society appeared first on CAHIP NorCal.

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The Sacramento Association of Health Underwriters (SAHU) is thrilled to announce our 23rd Annual Crab Feed event, open to both members and non-members. This year’s “Circus!” theme promises to be a night full of excitement and entertainment.

Everyone is invited to join us for an unforgettable evening with delicious crab and great company. You will have an opportunity to bid in our silent auction featuring a variety of exclusive prizes.   SAHU members and non-members alike are welcome to donate silent auction items such as golf packages, vacation rentals, ski packages, sports tickets, concert tickets, wine tasting tours, and more!  Rosamaria Marrujo, President of SAHU calls this one of the biggest networking events of the year!

SAHU offers the opportunity to purchase tables for 10 to enjoy the festivities with a group of friends or colleagues. Advance drink ticket sales are also available so you can enjoy a variety of beverages throughout the night.  Visit us here and get your tickets purchased- https://cahip-norcal.org/event/sahu-crab-feed-2023/.

SAHU Crab Feed 2023 Sponsorship is available, if you’d like to learn more on how you can support this annual event please visit https://cahip-norcal.org/product/sahu-crab-feed-2023-sponsorship/.

As with every year, part of the proceeds from the Crab Feed will benefit local charitable organizations across the Sacramento region.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

The post <strong>SAHU 23rd Annual Crab Feed</strong> appeared first on CAHIP NorCal.

The package also includes a two-year extension of telehealth-related regulatory flexibilities put in place during the pandemic. In 2021, the CARES Act provided temporary relief during the pandemic by allowing HSA-qualified high-deductible health plans to cover telehealth services before reaching the deductible. It also allowed patients to choose and purchase telehealth services outside their HDHP without impacting their eligibility for an HSA. Prior to today’s bill, these flexibilities were set to expire at the end of 2022. Now, these waivers will remain in place through December 31, 2024. “As an insurance agent, it is important to be aware of how these legislative updates affect our clients. SAHU, CAHIP, and NAHU give agents the opportunity to be in the know and part of the change as it happens,” says Antonette Vanasek, SAHU Media Chair.

Other major health policies include a bipartisan deal to end the Medicaid policy that provided states with additional funding and barred them from kicking people off federally funded insurance, setting a new end date of April 1, 2023, instead of July 2023. This date change will have an impact on what has been dubbed the “Medicaid unwinding,” when nearly 85 million people enrolled in Medicaid will have their eligibility redetermined at the end of the public health emergency, triggering a high risk of coverage loss of eligible individuals.

In addition, the omnibus bill includes $1.5 billion in state grants for substance abuse prevention and treatment and several key investments to expand access to mental health, including grants for maternal mental health, the Community Health Service Block Grants and the Substance Use and Prevention, Treatment and Recovery Block Grants.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

The post Congress Passes End-of-Year Omnibus That Includes NAHU-Supported Provisions appeared first on CAHIP NorCal.

The president of the Sacramento Association of Health Underwriters, Rosamaria Marrujo, stated that “LASIK is not as safe as we were once led to believe” and urged people to do their research before getting the surgery. This is not the first-time concerns have been raised about the safety of LASIK surgery; a class action lawsuit was filed against the makers of LASIK devices in 2016. Despite these concerns, many people continue to undergo the procedure each year.

Lasik eye surgery is a popular vision correction procedure that involves reshaping the cornea. To ensure patients are informed of all potential risks associated with this treatment, the FDA mandates medical professionals to go over every possible outcome – including those for individuals living with diabetes who may suffer from long-term complications at an increased rate compared to non-diabetics.

Despite the high cost and lack of insurance coverage, Lasik eye surgery remains a popular procedure for 500,000 Americans annually. However, surgeons are not pleased with the FDA’s new regulatory requirements.

Lasik eye surgery is an important decision, and it is up to the individual whether they pursue it. To help people make a well-informed choice that works for them, the FDA has put together a comprehensive document outlining all the essential facts regarding this procedure.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

The post Lasik Surgery May Be More Dangerous Than Previously Thought appeared first on CAHIP NorCal.

In 2024, Medicare beneficiaries will no longer have any out-of-pocket costs once they enter what Medicare calls catastrophic coverage. The way catastrophic coverage worked in 2022 is that once an enrollee’s out-of-pocket costs reached $7,050, they must pay 5 percent of their prescription drug costs, with no limit. But beginning in 2024, that 5 percent coinsurance requirement will be gone, and enrollees won’t have to pay anything for their prescription drugs for the rest of the year.

Beginning in 2025, Part D prescription drug out-of-pocket costs will be capped at $2,000 annually. This applies to stand-alone plans with original Medicare or private Medicare Advantage plans, which also cover prescription drugs. It should be noted that this cap may change over time due to inflation and other factors affecting the healthcare industry landscape. These cost savings are expected to begin rolling out gradually until then so beneficiaries can start planning for their future healthcare needs accordingly!

Also, in 2025, Medicare drug plans are introducing a new feature to alleviate the burden of large drug bills. Smoothed cost-sharing allows enrollees to spread out their out-of-pocket costs over an entire year and protect those who may have difficulty covering one lump sum payment for medication expenses. “This is a great benefit for our Medicare Beneficiaries,” says SAHU Medicare Chair, Kerri Sanford.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

The post Vast Changes to Medicare Part D Plans in 2023 appeared first on CAHIP NorCal.

Overturning Roe v. Wade could have certain implications for fertility treatments and in vitro fertilization (IVF). It could lead to decreased access to affordable treatments, with restrictions on reproductive rights varying state by state. Additionally, states may ban specific critical medical interventions for successful IVF cycles, such as embryo freezing or genetic testing. These measures would effectively limit patients’ options for managing their fertility care and accessing the treatment they need. Furthermore, it could mean that insurance plans could refuse to cover fertility treatments or provide inadequate coverage levels due to a lack of regulation at a federal level.

Experts have warned that the broad language in specific state-level abortion bans could potentially infringe upon access to assisted reproductive technology such as IVF, despite Roe v. Wade not necessarily prohibiting access on its own.

In some states, the language of their laws is unintentionally impeding access to assisted reproductive technologies (ART) due to its failure to capture and represent biological reality or address topics beyond abortion.

Additionally, overturning Roe v. Wade could decrease available fertility clinics and providers, as laws regulating the practice of reproductive health care would be made at the state level rather than federally. This would limit patient access to specialized care and have potentially devastating implications for those seeking fertility treatments. Furthermore, states may also attempt to regulate the content and type of information provided to patients regarding their fertility options, which could further limit the effectiveness of reproductive health services.

If Roe is overturned, some states’ laws that grant fetuses, embryos, and fertilized eggs rights similar to those of children could change the landscape of IVF. These “personhood” bills could make disposing or freezing excess embryos legally questionable.

Ultimately, overturning Roe v. Wade could create a patchwork of state laws and regulations that would disproportionately impact people who rely on reproductive health services and fertility treatments. Such an outcome would be detrimental to those seeking to build families and access the necessary care. It is, therefore, critical to ensure that Roe v. Wade remains intact so that people can continue to make decisions about their reproductive health with dignity and autonomy.

Sacramento Association of Health Underwriters is watching to see how insurance carriers adapt to this legislation and how it will affect costs and benefits.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

The post <strong>Roe v. Wade overturned could impact fertility treatments and IVF</strong> appeared first on CAHIP NorCal.

CAHIP, SAHU, and the majority of California’s NAHU chapters participated in supporting efforts to oppose this bill. “This is why I am a member of SAHU, it keeps me in the know on important legislation that affects our insurance industry,” says SAHU President-Elect, Rosamaria Marrujo.

If you’d like to know more about the bill, its contents, and why insurance industry professionals opposed it, read the information provided by NAHU at the link below.

http://newsmanager.commpartners.com/nahus/issues/2022-02-09/1.html

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

The post NAHU’s California Chapter Successfully Defeats Single-Payer Initiative appeared first on CAHIP NorCal.

The key takeaway is every home in the U.S. is eligible to order 4 free at-home COVID-19 tests. For convenience, if you are interested in ordering immediately, you can use the link below to go directly to the order form and skip all the extra information.

COVIDTests.gov USPS Order Form

Additionally, on the site, you’ll find information on other locations you can purchase additional at-home tests, how you can be reimbursed by your insurance for up to 8 at-home tests per month, and 20,000+ Community-Based Testing Sites that will provide free testing.

Lastly, you can find answers to many of the frequently asked questions regarding testing and preparedness. Including What comes with the tests, when is recommended to use them, what to do if you get a positive or negative test, and much more. There will also be a phone number provided at a later date, so those without access to computers or high-speed internet can place orders.

We here at Sacramento Association of Health Underwriter, as industry-leading professionals, consider the health of our communities to be of utmost importance. We are strongly encouraging everyone to place the order for their household, that they may have the tests when needed. Should any individual find they are having trouble navigating or accessing the COVIDTests.gov website, they can feel free to contact SAHU directly at any time, and we will connect you with a local professional that can provide one-on-one help.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

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Dear Sacramento Community,

You stepped up in 2020 during the worst stage of the pandemic to ensure the kids of River Oak Center for Children could enjoy the magic of the Christmas season. To be honest, the response we received from our community of givers completely overwhelmed our expectations! We gathered more than 150 gifts totaling over $2800 in value! Just imagine the joy and excitement those donated toys brought to a child or caretaker. Christmas 2021 is upon us and not only is the need great in the community, the inventory of available toys and goods are limited on the shelves. Last year was the first time we utilized an Amazon-based shopping list and the simplicity of buying and shipping the gifts to a central location could not have been easier. This year we would love to expand on that concept with a wider array of gift options to fit any giver’s budget. The key is going to be shopping early to place those orders before the Black-Friday madness and shipping delays. We also welcome you to pick toys or gifts that may not be on the wish list, but would be appreciated by kids and teenagers alike. If you happen to make a purchase outside of the Amazon wish list, we will be happy to make arrangements to retrieve the gift from your office or they can be mailed to the attention of Brian Christy at Western Health Advantage – 2349 Gateway Oaks Drive, Suite 100, Sacramento, CA 95833. Please try to make those purchases before November 30th to allow time for shipping and our delivery to River Oak in early December.

If you have it in your heart and budget, please take a moment to browse the wish list at the link below.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com.

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Although this updated cost is larger than expected, it is not without reason.

“These dramatic increases are in part due to the rising costs of health care and the approval of a new Alzheimer’s disease drug Aduhelm.” SAHU’s President-Elect Rosamaria Marrujo said on the matter, “There are about 2 million people covered by Medicare with Alzheimer’s disease (2017 Kaiser Foundation study). This new medication is covered by Medicare Part B, not the Part D drug plan as it is administered by a doctor. If just 25% of this population were to receive this medication, it would cost $29 billion in just one year. To put that in perspective, Medicare paid $37 billion on all Part B drugs in 2019 (Kiplinger Report 11/12/2021). The approximate cost for a one-year treatment of Aduhelm is about $56,000. It is prescribed for people with early onset of dementia and has shown to slow the progression of the disease in clinical trials. It is not a cure nor appropriate for people with moderate or advanced Alzheimer’s disease.”

Below are a few additional details provided by CMS regarding Parts A & B costs.

Part A Costs

If you don’t qualify for premium-free Part A, you can buy Part A.   People who buy Part A will pay a premium of either $274 or $499 each month in 2022 (Up from $ and $ in 2021) depending on how long they or their spouse worked and paid Medicare taxes.

If you choose NOT to buy Part A, you can still buy Part B. In most cases, if you choose to buy Part A, you must also:

• Have Medicare Part B (Medical Insurance)
• Pay monthly premiums for both Part A and Part B

Part B Costs

The standard Part B premium amount in 2022 is $170.10 (Up from $148.50 in 2021). Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.  

Part B deductible & coinsurance in 2022, you pay $233 for your Part B deductible. After you meet your deductible for the year, you typically pay 20% of the Medicare-Approved Amount for these:

• Most doctor services (including most doctor services while you’re a hospital inpatient)
• Outpatient therapy
• Durable Medical Equipment (Dme)

For more information regarding these annual changes visit CMS at https://www.medicare.gov/your-medicare-costs

Download the PDF Version

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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This virtual conference event will feature insurance and finance industry updates, online booths from exhibitors and sponsors, keynote speakers with industry leaders, a technology panel (new for 2021), and raffles and prizes for attendees.

In gratitude to the community for their ongoing support through the pandemic, SAHU is proud to offer this event for free to all who would like to attend.

“All chapters and attendees are welcome,” said Rosamaria Marrujo, Media Relations Chair for SAHU. “This event is a thank you to our community for their support through the changes and shifts in how we all connect and do business.”

Attendees can register and attend online on the SAHU site, found here on the 2021 Business Expo event page: https://cahip-norcal.org/event/sahu-2021-business-expo/.

The free business expo event will be held virtually on Thursday, July 29, 2021, from 8:00 AM PST – 2:30 PM PST. A schedule of events and keynote panel will be announced shortly. Attendees will also receive Continuing Education (CE) credits for attending certain sessions.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy and professional development. For more information, please visit: sahu-ca.com.

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SACRAMENTO, CA 06 June 2021 — The Sacramento Association of Health Underwriters (SAHU) and the National Association of Health Underwriters (NAHU) commend House of Representatives members Suzan DelBene (D-WA), Ron Estes (R-KS), Joe Courtney (D-CT) and Glenn Thompson (R-PA) for taking the lead on introducing bipartisan legislation (H.R. 3650) to eliminate Medicare’s three-day mandatory inpatient stay rule for a skilled nursing center. The Improving Access to Medicare Coverage Act addresses Medicare’s “two midnight” policy.

“At issue is the requirement for Medicare beneficiaries to spend at least three days in the hospital on an inpatient basis in order to receive their 100 days of covered skilled-nursing services,” explained NAHU CEO Janet Trautwein. “Hospitals have increasingly admitted seniors on an ‘observation status’ basis and not as an inpatient, which is an important technical distinction that is generally indistinguishable to hospital patients but can lead to extremely costly Medicare denials.

“These archaic policies are leading patients who are extremely sick and need skilled nursing care to not qualify for paid Medicare skilled-nursing centers and for others to later have their admission status changed so that their care is now billed to them and not Medicare.

“NAHU members have had countless clients go this through this horrible experience and end up paying high out-of-pocket charges since they were considered to be on observation status, and Medicare did not cover their necessary skilled nursing facility care. Often, these seniors did not even know they were on observation status.

“It is simply not right to limit access to quality care for those seniors who need it most. The Centers for Medicare & Medicaid temporarily suspended this practice due to the pandemic and now is the time for Congress to pass legislation that addresses this issue once and for all.” 

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy and professional development. For more information, please visit: sahu-ca.com.

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SACRAMENTO, CA 18 May 2021 — Google has released an important advertising policy update for health insurance advertisers. Starting on June 2, 2021, in order to help ensure a safe and trustworthy experience for users, only government exchanges, first-party providers and licensed third-party health insurance brokers who complete the new third-party certification program will be eligible to advertise on Google.

About the Policy Update

The certification program is provided by a third-party vendor, G2. It requires health insurance advertisers to identify themselves as a health insurance provider, certify that they are permitted to lawfully promote and sell health insurance in their locations of business, and confirm whether or not they are registered to promote and sell Affordable Care Act-compliant health plans.

Health insurance brokers must be complete the certification for each state in which they wish to advertise, and there are fees based on how many states for which you would like to apply.

To complete the application, you will need your general business information, insurance license information and proof of ACA qualification, if applicable. Certification applications opened on May 3, and the Google policy will go into effect on June 2 of this year.

What This Means for Brokers & Agencies

This means that if you are a licensed health insurance broker and wish to advertise on Google, including search, display, shopping and video advertising campaigns, you must complete the new certification process by June 2.

“If you are a health insurance agent in the field today, you need to know about this update and be proactive,” said Rosamaria Marrujo, Media Relations & Medicare Chair for the Sacramento Association of Health Underwriters (SAHU). “It is a marketing opportunity and a way to stay a leader in our industry.”

Get Certified

If you are a licensed health insurance broker and are currently advertising on Google, or wish to in the future, be sure to complete your G2 health insurance provider certification process now. You can get more information about the policy update here from Google, and start your certification process here on the G2 Health Insurance Providers Certification website.

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