South Carolina Association of Health UnderwritersSCAHU

South Carolina Association of Health Underwriters • 2012 Summer Issue

The ruling stands This publication is intended to serve as a resource

guide for understanding and explaining PPACA.

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Everything Standsby Mark Riley, SCAHU Legislative Chair

On June 28 the United States Supreme Court announced its decisions on the four interre-lated issues that made up the constitutional challenge to the Patient Protection and Affordable Care Act (PPACA). The court decided the individual mandate is a tax and thereby constitutional, and that the Medicaid expansion is also legal, although its provisions were limited. The entire measure stands as is except that the federal government’s power to terminate states’ Medicaid funds has been reduced. For

purposes of implementation, virtually all of the law and all resulting regulations and dead-lines proceed as scheduled. The only part of the law that will change has to do with the level

of funds states may receive based on choices they make relative to their Medicaid programs.

With regard to the constitutionality of the individual mandate, the Justices voted five to four that Congress was within its authority to require that all Americans have health insurance coverage using its power of taxation. Justices Roberts, Ginsberg, Breyer, Sotomayor and Kagan voted to uphold the mandate. Justices Kennedy, Scalia, Alito and Thomas opposed the decision. The court also ruled that PPACA may allow states to expand their Medicaid programs. However, in the majority opinion, the Justices made it clear that if states do not want to participate in the PPACA expansion of Medicaid, they can continue to receive their existing level of funding for the

rest of the program.

Since the Court voted to uphold the individual mandate and Medicaid expansion provi-sions of the law, the question of whether or not these provisions of the law are sever-

able is moot. The majority opinion also made it clear that the federal Anti-Injunction Act does not

apply because the label “tax” is not controlling.

While we know that many of you may not agree with this decision, we must respect the actions of our nation’s highest court and move forward. This decision gives us a degree of closure and direction about PPACA’s future and will help guide our policy focus in the years to come.

Agents and brokers can remain a constant for their individual and employer clients as we head toward full implementation of the law’s insurance-market reforms and other requirements in 2014. As an association, we must work with our policymakers to ensure a better transition to preserve the integrity of the free market and ease the compliance and cost burden on health insurance consumers. Most important, we must double our efforts to reduce the cost of medical care, which is the true driver of health insurance premiums. Sadly, true means of cost containment were barely addressed by PPACA.

There is no doubt that the historic ruling will have a profound im-pact on the upcoming presidential and congressional elections. You can help our association have a profound impact on the elections by making a donation, or increasing an existing donation, to our political action committee, HUPAC, today.

Thank you for your continued support of your industry through your NAHU membership. If you have any questions about our government relations efforts as they pertain to the ruling, please contact me at mriley@abstpa.com.

Summer 2012 • 3

Board of Directors

Jonathan Hudgens, PresidentAmber Khalil, Vice President

Frank McGill, TreasurerJennifer Swegle, Secretary

Melissa Spearman, Membership ChairMark Riley, Legislative Chair

Jonathan Haynes, HUPAC ChairGabe Ricks, CAHU President

Frank McGill, PAHU PresidentRhonda Hays, LAHU President

Bridget Brancato, GSPD President

SCAHU StaffLeigh Faircloth, CAE

Hannah GriffinElizbeth Henderson

Katie E. Koon, CAE, Executive Director

PO Box 11662Columbia SC 29211

803-252-7128www.scahu.org

AdvertisersAmerican Benefit Services ....................... p. 6Basic Plus Insurance Services, LLC........ p. 9BlueChoice Healthplan of SC ............................ p. 8Cutler and Associates ................................. p.15TCC of SC.................................. inside front coverThe Cason Group........................................... p. 11

Summer 2012 • 4

Summer 2012 • 5

The US Supreme Court upheld the Affordable Care Act (ACA), ruling that the law’s individual mandate is a con-stitutional exercise of Congress’s power to impose taxes. With the Court’s decision, compliance efforts likely will move ahead at full speed with major provisions of the ACA becoming effective in 2013 and 2014.

In a 5-4 decision, Chief Justice Roberts, joined by Justices Ginsberg, Breyer, Sotomayor and Kagan, concluded, “The Affordable Care Act’s requirement that certain individu-als pay a financial penalty for not obtaining health insur-ance may reasonably be characterized as a tax. Because the Constitution permits such a tax, it is not our role to forbid it, or to pass upon its wisdom or fairness.”

In the Court’s analysis of the ACA’s Medicaid provisions, it held that it would be unconstitutional for the federal government to withhold all Medicaid funding in order to force states to comply with the Medicaid expansion. Chief Justice Roberts wrote, “Nothing … precludes Con-gress from offering funds under the ACA to expand the availability of health care, and requiring that states ac-cepting such funds comply with the conditions on their use. What Congress is not free to do is to penalize States that choose not to participate in that new program by taking away their existing Medicaid funding.”

The Court ruled that the Anti-Injunction Act, which limits lawsuits challenging a tax before it is assessed, does not apply because Congress specifically provided that the penalty payment enforcing the individual man-date would not be treated as a “tax.” Notwithstanding acceptance of Congress’s penalty label for purposes of application of the Anti-Injunction Act, the Court ruled that for purposes of determining whether the individual mandate is constitutional, the penalty payment falls within Congress’s general power to tax and, therefore, is upheld.

The decision arises from cases brought by the state of Florida (and joined by 25 other states), the National Federation of Independent Business, and several individ-uals challenging the constitutionality of the individual mandate and the Medicaid expansion. The cases were

later consolidated.

In their dissent, Justices Kennedy, Scalia, Thomas and Alito wrote that the law should have been struck down in its entirety.

With the exception of the limitation on the federal government’s authority to withhold Medicaid funding, all provisions of the ACA stand and compliance efforts likely will move ahead at full speed. In preparation for the major coverage expansion to occur under the ACA in 2014, the Administration is expected to release a host of regulations dealing with the definition of minimum essential coverage, employer coverage and reporting requirements, and an array of new taxes and fees. Clients should be aware of provisions of the law set to take ef-fect in 2013 and 2014, including those listed in the table below.

Provisions of the Affordable Care Act That Take Effect in: 2012• Medicare hospital value-based purchasing program • Increase in physician quality reporting requirements in Medicare • Additional Medicare pilot programs on alternative payment methodologies, e.g., accountable care organizations • Increased requirements for hospitals to maintain not- for-profit status • Fees from insured (including self-insured) plans transferred to the Patient-Centered Outcomes Research Trust Fund

2013• Increase Medicare payroll tax by 0.9% on high-income earners • Impose a 3.8% tax on net investment income of high- income individuals • $500,000 cap on health insurers’ deduction for executive compensation • Eliminate employer deduction for Medicare Part D subsidy • FSA limitations • Excise tax on medical device manufacturers & importers • Medical expense deduction floor

Detailed Analysis of Supreme Court Rulingby NAHU Legal Counsel Ernst & Young

continued on page 8

Summer 2012 • 6

P.O. Box 1635 • Irmo, SC 29063 • 866-826-6554 • www.abstpa.com

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Summer 2012 • 7

There is not an agent operat-ing in this state today that couldn’t use the information and statistics we learned in those sessions to help them in their practices. That is the kind of information that is the differentiator when it comes to their competition. I thought the week was out-standing.

Tom SwayneDavid A Gilston Insurance Co.

I can tell you that my time at CAP Confer-ence was time well spent. I would encour-age all of our members to take advantage of attending next year’s conference. The representatives with whom we met admit-ted that they rely heavily on information provided by NAHU, in conjunction with industry professionals, in formulating their positions.

Tom SwayneDavid A Gilston Insurance

The final message I need to convey really has to do with NAHU and your future. Through attending Cap Conference, I gained a much greater understanding of the role NAHU plays in all of our business lives. It is the one and only associ-ation working in Washington directly on behalf of health insurance agents. I have been a member for over 20 years, and like many of you, maintained my membership to support my association. Patient Protection and Affordable Care Act (PPACA) has greatly changed how I look at our association, as well as my involvement.

Tom SwayneDavid A Gilston Insurance

NAHU is a well recognized force on Capitol Hill and is respected by both Republicans and Democrats.

Jonathan HudgensThe Cason GroupNAHU Cap Con Applauds Advances in MLR legislation - JANUARY

30, 2012 - On the last day of the National Association of Health Underwriters’ 2012 Capitol Conference hundreds of attendees received exciting industry news that made the ballroom erupt with a roar of applause and cheers. “We now officially have a Senate companion bill [to H.R. 1206, the MLR legislation in the House] to be dropped in the next few days,” said Janet Trautwein, CEO of the organization. Trautwein also shared that since the group of more than 700 NAHU members arrived in D.C. nearly a dozen members of Congress have signed on as co-sponsors of the legislation that would remove brokers from the medical loss ratio calculation. NAHU

All of us need to make every effort to educate our state representa-tives and business owners as to the impact reform is going to have on them. By doing so, all of us will be increasing the value we bring to our clients as well as improving our chances of playing a key part in our future ability to be paid as professional advisors.

Jonathan HudgensThe Cason Group

It was a great experience. We also now have first hand knowledge of a specific action taken by NAHU that should appeal to every agent in the state. The actions taken by NAHU on HR1206 and the companion Senate bill affect every agent out there and are specific ex-

amples of why agents should join. No one else would have fought for this issue. If that is not enough incentive to join I really don’t know what would be.

Frank McGillBlueChoice HealthPlan of SC

Make Plans To Be A Part of Your Future:Attend 2013 NAHU CAP Conference, February 25-27

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increases to 10% • Nationwide bundled payment pilot begins in Medicare • Increased Medicaid reimburse ment for primary care • Medicare physician comparison data available to the public • Reductions in Medicare payments for select hospital readmissions • Expanded coverage of preventive services by Medicaid

2014• Employer mandate and individual mandate • Employer and insurer reporting requirements • New health insurance market reforms take effect • State health insurance Exchanges established • Premium tax credits and cost-shar ing subsidies available to certain individuals in Exchange insurance products • Medicaid expansion to new popu lations (100% federal match to states for newly-eligible populations through 2016) • Annual fee on health insurers • Medicare/Medicaid DSH payment cuts begin • Independent Payment Advisory Board (IPAB) issues first report to Congress if Medicare spending exceeds growth target

Post-2014• Excise tax on high-cost employer- sponsored coverage (2018)

Political reactionsThe Court’s ruling will not end the political debate over health care, which will remain a central issue in the 2012 elections and beyond. The law stands as the centerpiece of the domestic record of President Obama, who today said, “Whatever the politics, today’s decision was a victory for people all over this coun-try whose lives will be more secure because of this law and the Supreme Court’s decision to uphold it.” The President added, “With today’s an-nouncement it is time for us to move forward to implement and, where necessary, to improve this law.”

In comments in response to the rul-ing, presumed Republican presiden-tial nominee Gov. Mitt Romney said, “What the Supreme Court did not do on its last day in session, I will do in my first day in office. I will act to repeal Obamacare.”

Following the release of the deci-sion, House Majority Leader Eric Cantor (R-VA) announced that the House on July 11 will hold a vote on legislation to repeal the ACA in its entirety. The measure likely will pass the Republican-controlled House, but it is unlikely to advance in the Democratic-controlled Senate.

Repeal of the ACA has been a prima-ry focus of congressional Republi-cans and remains a central objective of many Republicans’ campaigns in the November elections. Efforts to repeal all or part of the law will remain difficult unless Republicans maintain control of the House, win the presidency, and win at least a majority in the Senate in the Novem-ber 2012 elections.

Republicans to date have not co-alesced around a proposal to replace the ACA. Further efforts to control rising health care costs, including re-forms to federal health entitlement programs and health-related tax expenditures, will be at the center of budget and deficit-reduction de-bates that are expected to dominate Washington after the November elections.

Background on the lawThe Affordable Care Act was enacted in March 2010; it comprises the Patient Protection and Affordable Care Act of 2010 (which President Obama signed on March 23, 2010) and the Health Care and Education Reconciliation Act of 2010 (which the President signed on March 30, 2010).The primary goals of the ACA are to: (i) expand coverage to an estimated 32 million Americans without health

insurance; (ii) reform the delivery system to improve quality and drive efficiency; and (iii) lower the overall costs of providing health care.

To accomplish the goal of expanding coverage, the ACA mandates that all Americans maintain a minimum lev-el of health coverage (the so-called individual mandate) or face a tax penalty. The law expands Medicaid coverage and provides federal pre-mium tax credits and cost-sharing subsidies to assist low and moderate income individuals without afford-able employer-sponsored insur-ance in obtaining health insurance through state-based insurance Ex-changes. The ACA mandates, for the first time, that employers with 50 or more full-time employees provide certain minimum benefits or pay penalty fees.

The law also implemented insurance market reforms, including a ban on exclusions for pre-existing condi-tions, premium rate restrictions, extension of dependent coverage through age 26, and mandatory cov-erage of preventive services.

A mix of Medicare and Medicaid reimbursement cuts; provisions to reduce fraud, waste, and abuse in those public programs; other deliv-ery system reforms; and a series of tax increases on individuals, corpo-rations and the health industry are used to offset the cost of the law.

For more informationA video highlighting key elements of the Supreme Court’s decision will be available on www.ey.com.Any U.S. tax advice contained in the body of this article was not intended or written to be used, and cannot be used, by the recipient for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code or ap-plicable state or local tax law provisions.

If you have any questions, please con-tact washingtonupdate@nahu.org.

Detailed Analysis of Supreme Court Ruling... continued from page 5

Summer 2012 • 9

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TheSupremeCourthasjustreleaseditsmulti‐pagerulingontheconstitutionalityofthehealthreformlawandthe

summaryresultisclear:thePatientProtectionandAffordableCareAct(PPACA)isconstitutional.

SomeKeyPoliticalPoints:

• RepublicanHouseleaderswillquicklyforceavotetorepealthelaw.HouseDemocratsarecarrying“pocket

cards”(talkingpoints)detailinghowthereformlawhasalreadyhelpedpeople(e.g.,86millionhavereceived

freepreventivecare).

• Theadministrationwillhavetocontinuetoprovidemuch‐needed–andoverdue–guidanceforstates,

employersandinsurancecompanies,amongothers,toanswerthemanyoutstandingquestionsthatareholding

upimplementationofthelaw.

• Therewillbeachorusofvoicesadvisingeveryonetowaituntilafterthefallelectionsbeforetakingfurther

action.

• TherewillbeanoutcryfromsomequarterstorampupeffortstorepealPPACA.

• TherewillbemorecourtcaseschallengingotherprovisionsofPPACA.

KeyInsuranceIssues:

• Full‐scaleimplementationofPPACAwillcontinueunabated.

• Allinsurancereformprovisionswillremainineffect.

• Manyofthehesitantstateswillmovetobuildexchangeswhilesomewillcontinuetorefusecompliance.Many

stateswillhavetoengageinapartnershipexchangeorafederallyfacilitatedexchangeatleastforthefirstfew

yearsastheywillnotbeabletoputtherequiredpiecestogethertoopenastate‐runexchangebyJanuary2014.

• Thepremiumsubsidyforqualifiedpeoplebuyingcoveragethroughtheexchangeswillmoveforward

uninhibited.

• TheMedicaidprogramwilllargelyremainasenvisionedbyPPACA.Statesachievedavictory,ofsorts,inthat

theycanrefusetoexpandMedicaidwithoutlosingallofthefederalfundsforMedicaidthattheycurrently

receive.Stateswillcontinuetopushforflexibilityonthemaintenance‐of‐effortprovisionsduetoincreasing

statebudgetpressures;inresponse,theadministrationwillgrant1115Waivers,butwithreformelements.

• Deliveryreformwillcontinueatthecurrentpace,someprovisionsmaybeshelvedduetobudgetaryconstraints

andHHScapacity.

IssueSummaryoftheSupremeCourt

RulingonHealthReform

Summer 2012 • 11

Local SCAHU chap-ters raised more than $26,000 to give to local charities.

PAHU donated more than $11,000 to the Greenville Free Medi-cal Clinic, LAHU raised $5,000 for the Hope Lodge Cancer Center and CAHU donated $7,000 to Camp Kemo. GSPD donated more

than $1,000 in supplies and money to the Grand Strand Humane Society and $2,500 to Fostering Hope. Thank you to everyone who participated in these events.

Local chapters provide members with a way to reach out in the community with its public charities and provide monthly or quarterly meetings for members to attend and receive CE credit for education. The following are the highlights from this year’s chapter educational sessions.

The largest crowd at PAHU’s monthly luncheon was more than 55 attendees. The meeting included a LinkedIn ses-

sion provided by Judy Schlather from OneAmerica.

LAHU’s highest attended meeting featured speakers from the Department of Labor talking about compliance issues. This program offered two hours of CE.

CAHU’s largest monthly luncheon meeting included a CAP Conference Panel Discussion by attendees: Jona-than Hudgens, Gabe Ricks, Mark Riley and Watts Hucka-bee. An updated session of this topic will be held in 2013 around the state.

GSPD’s most popular topic this year was healthcare re-form, and the spring meeting was coordinated with the BlueChoice Healthplan agents meeting which helped the meeeting to be GSPD’s best attended meeting.

Look on the back cover of this newsletter to make sure you know when the monthly chapter meet-ings are held and make plans to attend one in your area.

PAHU Golf Chair Jay Holloway presents its donation to the Greenville Free Medical Clinic.

CAHU members spent time this year helping out at Harvest Hope Food Bank.

Chapters Offer Education & Opportunity to be involved in Local Community

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Thank you for taking time to be involved in YOUR industry!NAHU CAP ConferenceMike DuganMark RileyJonathan HudgensTom SwayneFrank McGillGabe RicksWatts HuckabeeDavid GibsonDavid Gibson, JR.Michael GibsonChris HairDavid ThomasNAHU Annual ConferenceMike DuganJonathan HudgensRhonda HaysRob AllenGabe RicksRussell GarnerNAHU Region V Leadership ConferenceJonathan HudgensGabe Ricks

Attended SCAHU Legislative BreakfastRussell GarnerMark RileySteve AckermanSam MonroePaige LaneTammie KingEric WellsEd ByrdSteven ColemanLily FasbenderTom SwayneChri BoyceGabe RicksRookie MooreRob FrazerFrank McGillMelissa Spearman

Attended LTC Certification/Renewal at SymposiumBud AtkinsonChris BoyceWilliam BryanNorm BryantDoug BullardDavid CanineMike DavisBecky HugginsTodd KingJoy LundgrenSandy MorganRose Patteson

Attended SCAHU Ethics CourseAndy AndersonJeannie AnonieDonna ArndtSusan BarberLisa BarrettChris BassTy BedenbaughLindsay BoineauJeff BontekoeMary BothwellTrevor BowersGlenn BowmanAd BoyleKaye BozemanDoug BullardJeremy BullockEd ByrdDavid CanineBrendan ClarkDennis ClarkEarl CobbBubba CollinsDarlene CollinsKristie CorneliusNeal CoylePaula CrewsMike DavisGayle DeWittJeanne DoranBarbara DriggersMike DuganKathryn EagleKay EarlesEmily EdgrenSkip EynonThomas FauldsMissy Ferguson-PeeblesScott GambrellSharon GarmonAnn GetmanJosh GregoryRick GriggsDavid GwinLisa HaddadRhonda HaysRosalynn HesterKim HiteJay HollowayBecky HugginsFern KellySpann LafitteAmanda Lewis

Douglas LondoBeach LovelandMarian MartinFrank McGillMike McGintyStephanie McLellanGlenn MillerPeggy MillerJennifer MitchellColleen MoringAnita MorphyMary Kate MulcahySherry NicewongerSusan NicolaiDiane PalmerRoy PasquaretteThomas PeacockChuck PetersonAliison PickhardtJesse PikusJanet PlaehnPaul PoveyTracy ReedPJ RescignoRichard ReynoldsGabe RicksBilly RobinsonGeorge RoutonShebretia RushMee Jean SasineJim ShelleyMcKenzie SolomonsMelissa SpearmanMarjorie StuartGreg SullivanBrian SweeneyJennifer SwegleRoc SwindlerRhonda SwindlerDawn TempletonBeth TettertonDavid ThomasJohn ThompsonMarsha VitaliDenise WalkerDavid WansleyGreg WaterstradtEric WellsClaire WestonBruce WilliamsShelagh Wirth

Honor CouncilDee NashDavid GwinThomas PeacockMike HarrisGabe RicksJonathan Hudgens

Legislative Advocacy - Mike Dugan

State Distinguished ServiceTammie King

SCAHU New MembersLinda Campbell - AflacBrian Underdahl - Assurant HealthRandy Dickens - BB&T Ins. SvcsLarry Badger - BCBS of SCStephanie McLellan - BCBS of SCSam Monroe - BCBS of SCCheryl Smith - BCBS of SCMegan Powell - BCBS of SC Tonya Barton - BCBS of SCKaye Bozeman - BCBS of SCScott Gambrell - BCBS of SCApril Jones - BCBS of SCNyesha King - BCBS of SCScott Naumoff - BCBS of SCAmanda Kate Odom - BCBS of SC Vanessa Potts - BCBS of SCAngela Tolbert - BCBS of SCJoseph Hall - Kenneth Benefit Source, Inc.Kristi Billington - Carolina Ins. Gp, LLC.Stephanie Levins - Colonial LifeLisa Garber - Consolidate Insured BenefitDan Pruitt - CS GroupRobert Fairbairn - David Gilston Ins. Ag.Jenny Lindon - David Gilston Ins. Ag.Melanie Ensminger - David Gilston Ins. Ag.Helen Jackson -David Gilston Ins. Ag.Annette Stuck - Davis Garvin Ag, Inc.Kathleen Kasik - Delta DentalDayle Guidera - DZG Health IncVonda Rentz - Gardner Associates, Inc.Wilson Springs - H B Springs CompanyMarshall Haynes - Haynes Full Circle BenefitsMichael Head - Head Financial Grp, Inc.Laura Hibbits - Hibbits Insurance, Inc.Douglas Bullard - HumanaSteven Liebler - InnoBenefitsGennie Ortega - Keenan Suggs Bower ElkinsKate Ballenger - Keenan Suggs Bowers Elkins,Adville Boyle - Palmetto Ins. BrokersMary Bothwell - Planned AdministratorsGreg Ashcroft - Serve You Custom PrescriptionRyan Evans - The Cason Group, Inc.John Groome - Turbeville Ins. AgencyJennifer Lowery - United HealthcareMillie Schliske - Walker Walker Higgins Tracy Reed - WellPathCheryl Lawton Joan Reeves

Award WinnersSpark PlugChris HairBridgette BrancatoMelanie EnsmingerMcClain Goodwin

Award WinnersChapter Distinguished ServiceDee NashBecky WattsTom SwayneWalter Jacobs

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Certification ProgramsTraining on Medicare Advantage and Part D Prescription Drug PlansIn light of the intense scrutiny of Medicare marketing activities, and the pressure that we feel from Congress, beneficiary groups, and other stakeholders, as well as the increasingly stringent requirements established by CMS, NAHU and its partners have launched a new online training program. For more information on training for brokers, agents and plan-staff marketing, visit the Medicare Training page.

Classroom Study: NAHU Introduction to Consumer-Driven Health PlansNAHU has created a new consumer-directed health care certification course. The four-hour course provides technical, actionable information that can be used to help clients consider fast-evolving plans and implement them. NAHU provides top-notch instructors who are leading experts in the industry. You may find a calendar of upcoming classes by visiting the CDHC Certification page.

Virtual Study: NAHU Introduction to Consumer-Driven Health PlansPowered by: Precision InformationNAHU also provides a new interactive online consumer-directed health care certification course. You can listen in to Roy Ramthun’s and Paul Jannereth’s recorded webcast presenting an overview of the certification course content.

NAHU has created a new Wellness certification course. The two-hour course helps clients to address controllable behaviors and guidance on plan imple-mentation. NAHU provides top-notch instructors who are leading experts in the industry. For further details and to enroll in the next upcoming session, visit the Wellness Certification page.LTC Partnerships

As a result of the Deficit Reduction Act of 2005, state long-term care partnership programs are expanding. The Center has released the new Long-Term Care Partnership Programs: Understanding Needs, Solutions, and Ethical Considerations course. To learn more about this program and special member rates, visit the Long-Term Care Training page.

Designation ProgramsThe folllowing designation programs are available for you to pursue in an effort to advance your career.

Registered Health Underwriter (RHU)Registered Employee Benefits Consultant (REBC)Disability Insurance Associate (DIA)Corporation for Long Term Care Certification (CLTC)Employee Healthcare Benefit Associate (EHBA)Certified Employee Benefit Specialist (CEBS)Certified Self Funding Specialist (CSFS)

Webinar TopicsCafeteria Plans (2) HIPAA (11)Mental Health Parity (2) VBBID (2)Wellness (8) CDAPs (2)Other Topics (6) CDHP (4)Long Term Care (1) PPACA (4)Disability Income (11) Transparency (4)Worksite Marketing (4) Market Trends (4) Professional Development (3) Smoking Cessation (1)Compliance and Adherence (3)Section 125 Allows Flexible Funding for HSAs (2)Consumer Directed Health Care (7)Health Reimbursement Account (5)Value-Based Benefit Design (VBBD) (2)Changes in Legislation That Impact Your Business (9)

For more information about NAHU’s professional development courses go to www.nahu.org/education/index.cfm.

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SC Association of Health UnderwritersPO Box 11662Columbia SC 29211803.252.7128www.scahu.org

South Carolina Association of Health Underwriters

PRSRT STDUS Postage

PAIDColumbia, SCPermit No.233

Columbia Monthly Meetings3rd Thursday of each month

The Capital City ClubColumbia11:30 am

Grand Strand PD Qtly Meetings1st Wednesday of

December, February and MayMagnolias Restaurant

Myrtle Beach8:30 am

Lowcountry Monthly Meetings3rd Wednesday of each month

Embassy Suites at the Coliseum, Charleston

Noon

Piedmont Monthly Meetings

3rd Wednesday of each monthCity Range Greenville11:45 am

Statewide/National Events

SCAHU 2013 Legislative BreakfastJanuary 31State House

NAHU CAP ConferenceFebruary 25-27, 2012

WashingtonSCAHU Annual Symposium

March 25-26, 2012NAHU Annual Conference

June 23-26, 2012