Visit our website – April 6, 2016 EXPO Welcome to

10 am – 12 noon EXPO noon – LUNCH Shifting Gears for Future Success PCAHU – 50/50 Drawing

1:30 pm to 2:30 pm Instructor Susan Luskin, FLMI, CLU, CEBS, ChHC President & Owner Diversified Administration, Inc. (954)

1:30 pm to 2:30 pm "Difficult FSA Concepts“ Course ID# ; Course Offering # What is a Section 125 Plan? What are the rules for the Dependent Care FSA? How can the participants decide whether to use the DCAP or the child care tax credit? Medical FSA - changes since the ACA 2 types of Medical FSA - general purpose and limited Rollover or extension period? Interesting FSA permissible expenses What sorts of nondiscrimination tests must be passed?

Palm Coast AHU is Gold Certified! Certification is based on the chapter's achievement

NAHU's Find an Agent Feature is a Resource on Healthcare.govHealthcare.gov

Join the Brokers Making a Difference Campaign Movement!Brokers Making a Difference Campaign

Michele Malooley recognized at NAHU Capitol Conference – Brokers Make a Difference Campaign

March 2016 Michele Malooley has received FAHU's Triple Crown Award for the 4th Quarter! She qualified for the award based on her HUPAC contribution of at least $10 monthly or $150 annual contribution. She recruited 2 new NAHU members Sent 3 unique Operation Shout messages to federal or state Legislators.

SAMPLE VERBIAGE for Members Only for Clients: Dear First Name\Last Name, As you may know, some politicians would like to drive health insurance brokers out of business and replace them with distant government bureaucrats. These critics claim that removing agents from the plan-choosing process would trim the administrative costs of insurance without significantly impacting ordinary consumers. They're wrong! Agents and brokers have gone above and beyond to cater to their client’s needs. We work to obtain insurance for clients who are struggling to balance their desire to purchase high-quality and comprehensive health coverage with the reality of rapidly escalating medical care costs. Our priority is to walk you through the purchasing process, claims issues, follow-up service questions and compliance matters throughout the life of your policy. As an active participant in the Brokers Making a Difference (BMD) Campaign organized by the National Association of Health Underwriters (NAHU), I am asking you to submit a personal testimonial on our BMD submission webpage telling how I, as your broker/agent, have been a resource to you in your healthcare insurance process. Every story conveyed helps to enhance the movement that brokers DO make a difference.submission webpage Your submissions are greatly appreciated!

Agents and brokers have gone above and beyond to cater to their client’s needs. We work to obtain insurance for clients who are struggling to balance their desire to purchase high-quality and comprehensive health coverage with the reality of rapidly escalating medical care costs. Our priority is to walk you through the purchasing process, claims issues, follow-up service questions and compliance matters throughout the life of your policy.

As an active participant in the Brokers Making a Difference (BMD) Campaign organized by the National Association of Health Underwriters (NAHU), I am asking you to submit a personal testimonial on our BMD submission webpage telling how I, as your broker/agent, have been a resource to you in your healthcare insurance process. Every story conveyed helps to enhance the movement that brokers DO make a difference.submission webpage Your submissions are greatly appreciated!

Step 1: Click on the attached JPEG (The Widget) and save it to your desktop. Step 2: In Outlook, click File – Options – Mail – then, Signature (In the third section of the page). Step 3: Go to your current signature, a click the cursor in the location where you want the widget to be placed. Step 4: click on the picture icon then locate the widget from your desktop folder --- Then, click INSERT.

Step 5: The widget should be on your signature at the location you intended it to be placed. Step 6: To link your widget to the story submission page, click on the widget, Step 7: then, click the globe icon.

Step 8: Type in this URL: into the address section. Then, click OK. Then, click OK again from your Signature and Stationary section. Step 9: Next, click New in the top left-hand corner of your Outlook and your widget should appear in your signature.

Healthcare.gov Agent Broker Call Center We are happy to announce that the Healthcare.gov Agent Broker Call Center support is now up and running, and you may start calling the call center for assistance now! Below are some of the important call center support basics: Agents and brokers can call CMS-1515 ( ) and select option “1” to speak with agent and broker call center representatives during the following times: Monday through Saturday from 8:00 AM–10:00 PM Eastern Time (ET).

Healthcare.gov Agent Broker Call Center In November, call center representatives will also be available on Sundays and holidays during the following hours: Sunday, November 1: Open 8:00 AM–10:00 PM ET Sunday, November 8: Open 8 AM–5:00 PM ET Wednesday, November 11 (Veterans Day): Open 8:00 AM–10:00 PM ET Sunday, November 15: Open 8:00 AM–5:00 PM ET Sunday, November 22: Open 8:00 AM–5:00 PM ET Thursday, November 26 (Thanksgiving Day): Open 8:00 AM–5:00 PM ET Sunday, November 29: Open 8:00 AM–5:00 PM ET The call center will be open Monday through Saturday from 8:00 AM–10:00 PM ET in December and January, and will be closed on Sundays and holidays with the following exception: The call center will be open 24 hours on Sunday, January 31, 2016.

Call center representatives can help with questions on topics like: Agents’ and brokers’ user IDs for FFM registration and training The new Marketplace Learning Management System (MLMS) and CMS- approved vendor training options National Producer Numbers (NPNs) Password resets and account lockouts on the CMS Enterprise Portal Login issues at the Healthcare.gov landing page (when an agent or broker is redirected from an issuer’s or web-broker’s site)Healthcare.gov Healthcare.gov website issues Note: Agents and brokers should direct specific questions or issues with a consumer’s individual marketplace application to the Marketplace Call Center at Agents and brokers should direct questions related to SHOP marketplace coverage to the SHOP Call Center at

Weekly Webinars for Agents and Brokers Beginning November 3 and continuing through the end of the open enrollment period, CMS will be hosting weekly webinars for agents and brokers participating in the FFM. These webinars will provide agents and brokers with updates and announcements related to open enrollment, as well as reminders of upcoming critical deadlines. The webinars will also provide highlights of relevant program content or information. CMS will be hosting two identical sessions of these webinars each week, on Tuesdays from 3:00–4:00 PM ET and Thursdays from 10:00–11:00 AM ET.

Weekly Webinars for Agents and Brokers To register for any of these sessions, login to and complete the following steps: Select "Training Events" from "My Dashboard." Select the "View" icon next to the session of “Health Insurance Marketplace 2016 Open Enrollment Operational Updates and Announcements for Agents and Brokers” you are interested in attending. Select "Register Me."

REMINDER … All future meetings! New Location - Starting in December 2015! Holiday Inn Airport Hotel 1301 Belvedere Rd West Palm Beach, FL Lunch Menu: BUFFET

HUPAC – Contributes to Federal Offices and State Governor races & Office of Insurance Commissioner Florida has 27 Congressmen and 2 Senators – Florida Insurance Commissioner is appointed. HUPAC contributors must be members of NAHU or family members and staff. HUPAC – Only takes Personal Checks or Credit Cards for Candidate Funding // You can use Corporate Checks for the Administrative Fund expenses. To Contribute: HUPAC

FL PAF FAHU-PAF – Contributes to State Office holders. Florida has 120 State Representatives and 40 State Senators and contributes to Political Parties. FAHU-PAF – Any person or corporation can contribute to FAHU-PAF. Personal & Corporate Checks and Credit Cards accepted. To Contribute: 1. FL PAF brochure on your table, 2. Speak with Vicky Major-Bell 3. Go to (through Member Area)

T HE L EADING P RODUCERS R OUND T ABLE The BEST of the best…. That’s what The Leading Producers Round Table (LPRT) is for America’s benefit specialists. It’s where the nation’s best performers in the business get recognized for their leadership and rewarded for their accomplishments…… with the tools and benefit that will keep them at the top of their game. Only members of the National Association of Health Underwriters (NAHU) can qualify. So if you like the view from the top…. Visit us at pcahu.org today! Or go to:

CONGRATULATIONS To PCAHU Members Who Achieved Leading Producer Round Table Status for 2015: 1.Debbie Hollister - Golden Eagle 2.Keith Jordano – Golden Eagle 3.Michele Malooley – Soaring Eagle 4.Vicky Major-Bell – Eagle 5.Steve Israel – Eagle

NAHU’s 2016 Capitol Conference Attendees February 2016

Meeting with Lois Frankel, U.S. House of Representatives (Florida)

NAHU’s 2016 Capitol Conference Attendees February 2016 Meeting with Patrick Murphy, U.S. House of Representatives (Florida)

NAHU’s 2016 Capitol Conference Attendees February 2016

FAHU D AY ON H ILL PCAHU MEMBERS ON THE H ILL TO REPRESENT YOU ! O CTOBER 2015

S PECIAL S ERVICE A WARD - J AN 2015 M ICHELE M ALOOLEY Always there, behind the scenes, always striving to help Association and Fellow members

NAHU C ONVENTION – J UNE 2015 PCAHU RECEIVES PACESETTER A WARD Palm Coast Association of Health Underwriters (PCAHU) recently received the Pacesetter Award at the National Association of Health Underwriters’ (NAHU) 85th Annual Convention and Exhibition in New Orleans, LA. PCAHU was recognized for the Pacesetter Award. The criteria for receiving this award includes attendance at national and regional meetings, chapter management, hosting local meetings and events, communications, membership activities and growth, public service projects, media relations efforts, and continuing education.

NAHU C ONVENTION – J UNE 2015 PACESETTER A WARD - M ORE “Palm Coast AHU exemplifies the dedication to providing the best opportunities for our members,” said Artie Hoffman, president of Palm Coast. “This year, our chapter organized several events in our local community, and as part of our communications efforts hosted several continuing education courses to further the education efforts of our members and all licensed insurance agents and brokers in the area. These projects and many others have set a standard of excellence in the health insurance industry that we are proud to represent.”

FAHU C ONFERENCE – J ULY 2015 PCAHU “C HAPTER OF Y EAR ” AWARD WINNER ( LEFT TO RIGHT ) FAHU President - Paul Deininger PCAHU President – Artie Hoffman

FAHU C ONFERENCE – J ULY 2015 PCAHU “DAN YOUNT” AWARD WINNER ( LEFT TO RIGHT ) Vicky Major-Bell Award Winner FAHU President - Paul Deininger

FAHU C ONFERENCE – J ULY 2015 E MERGING L EADER A WARD ( LEFT TO RIGHT ) MICHELE MALOOLEY Award Winner FAHU President - Paul Deininger

W E WOULD LIKE TO SAY A SPECIAL PCAHU P ARTNER S PONSORS … TO OUR P ARTNER S PONSORS … THANK YOU

Michael Teller (561) Your Go To Experts For All Your Clients Long Term Care Needs

For more information contact: Alex Cordova / James Elbaum

Holly Thomas For More Information Contact:

Lori Ault For More Information Contact:

Marti Kula Lillian Cohen x x 120 For More Information Contact:

David Kingsford | Employee Benefits Sales Rep (10+) Mutual of Omaha | Florida Group Office c: | o: x 224 Florida Service Team | |

Why NAHU? The National Association of Health Underwriters (NAHU) represents more than 100,000 licensed health insurance agents, brokers, consultants and benefit professionals through more than 200 chapters across America. NAHU members service the health insurance needs of large and small employers as well as people seeking individual health insurance coverage. LEGISLATIVE ADVOCACY PROFESSIONAL DEVELOPMENT DESIGNATIONS CERTIFICATIONS NETWORKING NIU MAGAZINE MEMBER ONLY RESOURCES LOCAL, STATE & NATIONAL MEETINGS Visit:

Have You Seen Our Website Lately ?  Current Meeting Information  Future Calendar of Events  Easy On-Line Meeting Registration  Newsletters  Partner Sponsor Information  Links & Resources  Press Releases & Articles  Photo Gallery  Community Service Spotlight  Member Benefits  NAHU B2B & Calendar  Links to FAHU & NAHU

E XECUTIVE B OARD President Artie Hoffman President-Elect Michele Malooley Treasurer Steve Israel Immediate Past President Deborah Hollister Meeting Secretary Karyn LeVine Past Presidents Council Beverly Kingsley Membership Chair Lillian Cohen HUPAC/FLPAF Chair Vicky Major-Bell Education Chair Michael Teller Community Service Beverly Kingsley Legislative ChairRichard Dighton & Alexis Deluca Officers & Directors Ambassador Chair Andrew Castle Arnie Rabinowitz, Patty Trotter, Sandra Hamilton Media Chair Claire Teller Awards Chair Deborah Hollister Committees Each and Every PCAHU Member is a Valued part of what makes us tick!! We need YOU to GET INVOLVED!

PCAHU Officers & Directors Each and Every PCAHU Member is a Valued part of what makes us tick!! We need YOU to GET INVOLVED!

D O YOU HAVE AN IDEA FOR AN INTERESTING S PEAKER OR CE C LASS ? W E WOULD LOVE TO HEAR FROM YOU ! P LEASE SPEAK WITH D EBBIE H OLLISTER OR S TEVE I SRAEL D O YOU HAVE AN IDEA FOR AN INTERESTING S PEAKER OR CE C LASS ? W E WOULD LOVE TO HEAR FROM YOU ! P LEASE SPEAK WITH D EBBIE H OLLISTER OR S TEVE I SRAEL

PCAHU Takes Home FAHU Awards Gold Certified Chapter – PCAHU Pacesetter Award - PCAHU Leading Producer Round Table – 5 PCAHU Members FAHU Emerging Leader Award – Michele Malooley FAHU Dan Yount Award - Vicky Major Bell FAHU Chapter of the Year Award - PCAHU

Upcoming Events New Location for following meetings – Holiday Inn May 4, 2016 June 1, 2016 Visit: for more detailswww.pcahu.org