

Welcome to the website of the Texas Association of Health Underwriters. TAHU represents close to 1900 licensed independent health insurance agents, brokers, consultants and benefit professionals through 14 local chapters across Texas. Our members serve the health insurance needs of employers and individuals seeking insurance coverage. We not onlyoffer our clients traditional health insurance products, but also coverage such as dental, vision, long-term care, disability, Medicare Advantage and Medicare Supplements and a variety of consumer-driven products. Members agree to abide by NAHU's Code of Ethics, which requires them to always make health care coverage recommendations with the customer's best interest in mind.
The search engine Yahoo recently reported that queries for "health care reform" are up more than 6,000 percent. One of the top search questions is: "How does the health care bill affect me?"
As TAHU President and an insurance professional who deciphers the myriad of health insurance plans available, I'm hearing that question often from my clients. It seems that everyone in Texas is trying to figure out the 2,000 page health care reform bill that the President signed into law. My clients have very specific questions about how the reform package affects their lives, their families and their businesses.
It has been a goal of mine and other members of the Association to provide the best answers possible to such a diverse number of questions. There is a huge need out there to interpret and explain this reform package. What we do as Employee Benefit Specialists has never been so important!
Clear communication is vital as the goverment transitions this policy into programs for enactment in 2014. I urge visitors to our website to contact a TAHU member who has the knowledge and expertise that can help you navigate through this transition. If you need to find someone in your area, please email us at admin@tahu.org. We're eager to help!
I wish you many blessings,
Joanna Antongiovanni, SGS
TAHU President 2011-2012
“Together we will face the future, adapt to the changing times, and grab on to that golden ring of opportunity … “

Thank you to everyone who participated in this year's annual convention in Corpus Christi! Your support means so much and we hope that you benefited from the many great speakers and were able to network with colleagues and friends.
Save the Date for the 25th Annual TAHU Convention, May 2-3, 2013, at the Hilton in downtown Fort Worth. We hope to see you there!
Texas AHU Receives Gold Certification for 2011
The National Association of Health Underwriters (NAHU) is proud to announce that the Texas Association of Health Underwriters has qualified to receive Gold Certification.
"Receiving this certification is a collaboration of efforts and illustrates the hard work and dedication of our members and Board of Directors. I applaud all of our volunteers and thank them for this honor." Joanna Antongiovanni, TAHU President.
NAHU's Chapter Certification Program is an ongoing program that recognizes excelling chapters all year long. Recognition is based on criteria satisfaction in various areas. To earn Gold Certification, chapters must satisfy at least 9 of 14 criteria. Once a chapter satisfies 6 of the 14 criteria it can apply for Silver Certification. If all 14 are satisfied, the chapter will automatically receive Platinum Certification.
"Gold Certification is bestowed upon chapters that have demonstrated developmental excellence in their local area, nationally and in the health care industry," said NAHU CEO Janet Trautwein. "The volunteers in the TAHU Chapter met our expectations and far exceeded them."
* TAHU Takes an Active Role in Reducing the Uninsured in Texas
On January 27th TAHU will host their third CHIP outreach event. "As professionals in our industry we need to take an active role in not only helping our clients but also helping the general public secure Health Insurance. One way we can do that is to educate the public on what may be available to them," says TAHU President, Rusty Rice. "Of the 40 million uninsured members in the US, over 30% are eligible for government funded programs. Texas has the highest number of children without Health Insurance so TAHU is doing what it can to reach out to those individuals to help educate them in their options and help them enroll in the program. This has been the brain child of Former TAHU President Carolyn Goodwin. She has been instrumental in developing CHIP Outreach programs across the Dallas/Fort Worth metroplex" TAHU has also challenged chapters across the state to appoint a Public Outreach board member so events can be held in other markets. Click here for additional information.
* Rusty Rice speaks on Ron Graves' weekly talk show, "Achieving the Extraordinary." Listen Now
TAHU Supports Health Care Reform...
That is NOT a Government run health plan.
That includes the Insurance Agent in the delivery system.
That allows privately purchased Group and Individual Healthcare plans.
That addresses the escalating healthcare costs.
That leaves Medicare funding intact.
That retains the pre-tax option for Employees.
That retains the pre-tax incentives for Employers.
That will not add to the Federal Deficit.
That will not be funded by raising taxes to only a certain portion of the population.
For more information related to Healthcare Reform Issues, please visit our Legislation section.
* TAHU President calls for Immediate Legislative Action!!!

Consumers and Employers Lose Access To Agents and Brokers
On January 1, 2011, the Medical Loss Ratio (MLR) regulation made final the requirement that health insurance carriers spend 85% of their premiums (large group) and 80% (individual and small group) on direct medical care and the remainder on administrative costs. This extremely onerous provision contained in the Patient Protection and Affordable Care Act (PPACA) will cripple health insurance markets and create even more job loss for hundreds of thousands of independent health insurance agents and brokers and their employees. Click here for the full article
Myths about MLRs
Myths and Realities about the impact on Health Insurance consumers and Professional Health Insurance Agents and Brokers click here for the full article
A Policy Perspective on Medical Loss Ratios
http://www.texaspolicy.com/pdf/2012-01-PP02-MedicalLossRatios-CHCP-SpencerHarris.pdf
Stimulus Bill Changes Employer COBRA Requirements... Visit the Department of Labor's website for additional information...The IRS also provides guidance on the changes....
The Council for Affordable Health Reform...regularly keeps up with current information on hot issues regarding healthcare reform...visit www.cahi.org today!
Brokers play an important role in servicing and advising their clients...please log on to www.brokersmakingadifference.org to learn more.
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