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Sun’s out – time to fire up the barbecue

Grill tips 2 Sun’s out   time to fire up the barbecue

Summer welcomes backyard grilling – safely! Just like hamburgers and hot dogs, a sizzling grill is an iconic symbol of summer. Grilling isn’t just about memorable meals – backyard barbecues often create treasured memories and traditions with friends and family. Keep in mind that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents. The good news: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your burgers — and not your house — the next time you fire up the grill. TIPS FOR ALL GRILLS • Your grill, whether gas or charcoal, should be on a level surface outdoors, away from anything that could be ignited by flames (bushes, fences, etc.) • NEVER use a grill indoors. Odorless carbon monoxide fumes could kill you. • Keep your grill well-maintained: clean at least once/season and check parts regularly to determine if replacements are needed. • Never leave a hot grill unattended or let children play near it. For specific charcoal grill tips, visit https://www.kingsford.com/how-to-charcoal/
To learn more gas grill tips, see the National Fire Protection Association http://www.nfpa.org/public-education/by-topic/outdoors-and-seasonal/grilling From all of us at Hagan Hamilton, happy grilling, and stay safe this summer!

Need help with your Flood Insurance?

We like to brag about our employees, and sometimes our customers do it for us!  Here’s a letter to the editor at Albany, OR’s newspaper, which boasts about the helpfulness of our Flood expert, Gail Moldovan-Trujillo.  It reads:

Not complaining

This is my first letter to the editor and contrary to what I usually read (someone complaining about something), I would like to give the City of Albany’s Melissa Anderson, Ann Rose of Oregon State Credit Union, and especially Gail Moldovan-Trujillo, agent for Hagan Hamilton Insurance Agency in McMinnville, an enormous thank you!

I love in North Albany where the flood plain is changing, and 10 months into my yearly policy period, FEMA changed my flood zone form an X to an AE, which took my flood insurance cost from $405 to $2,300.

It was the end of February 2016 when FEMA sent a letter saying I owed $1,900 that would cover me to the end of my policy period, which is April 30, 2016. The total of $1,900 is a lot of money for two months of flood insurance, wouldn’t you say?

With the help of these three women, I was able to come to a reasonable solution to the problem and I’m very thankful for all the help I received. Gail at Hagan Hamilton Insurance Agency is truly an expert on flood insurance and I would recommend that anyone who has to have flood insurance talk with her; I think you will be glad you took the time to do so.

Thanks again, ladies!

Margie Davis

Albany

 

Gail Moldovan Trujillo 150x150 Need help with your Flood Insurance?

Gail Moldovan-Trujillo
Agent/Flood Specialist
503-565-3383

About

Spring Cleaning Tips

Spring cleaning tips from your friendly agents at Hagan Hamilton

Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.)

Take it one room at a time.
Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently.

tulip field Spring Cleaning Tips

Follow the six-month rule.
Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it.

Don’t forget the kitchen.
Just like other rooms, your kitchen likely has things that haven’t been used in some time — and this includes food in the refrigerator or freezer. Give those appliances a thorough cleaning and get rid of anything you won’t be eating.

Set yourself up for success.
Paper clutter is something we all could probably cut back on pretty easily. Setting up a few recycling bins throughout the house gives you a convenient alternative to just setting that old magazine or paperwork down somewhere and watching the pile grow.

Make some money!
Of course, the spring cleaning garage sale is a tradition for many homeowners, and can be a great way to bring in some extra income. Talk about a win-win situation — you get rid of stuff you don’t need, and someone pays you for it!

Stay safe.
When you’re cleaning or maintaining your home, be mindful of the physical risks involved. Lift with your leg muscles, not your back. Avoid prolonged repetitive motions. Use ladders, lawnmowers and other dangerous tools with caution.

Above all else, don’t forget to have fun and enjoy the process – after all, it is Spring, and Spring makes way for Summer!

Oregon Business 100 Best Awards Dinner Results – Hagan Hamilton Insurance Services

Hagan Hamilton in 2016 Oregon Business 100 Best Companies to Work For

Anxiously awaiting the results, employees of almost all of Oregon Business 100 Best companies to work for networked, dined, and celebrated at the Oregon Convention Center on Thursday evening, March 3, 2016. Four representatives of Hagan Hamilton Insurance Services – Craig & Nancy McClain, Chris Evers, and Casey Hostetler – joined in the festivities. The evening began with live music and networking, then continued on to award businesses newly inducted into the Hall of Fame, which is for those have been included on the Oregon Business 100 Best list for 10 years or more. Craig was excited to join the stage with a few other Hall of Fame inductees – Hagan Hamilton has now been in the top 100 businesses for 10 years combined. (This is our 7th consecutive year of being on this list.)

Our Keynote Speaker, Frank Foti, CEO of Vigor Industrial, addressed the audience about bringing more to your business than just a good workplace. He urged business leaders to bring Truth, Responsibility, Evolution, and Love to their offices and culture. Find new and honest ways in which to think, act, and do business. But the heart of his message was the people. It’s always about the people who make things happen – without your people, your business could not do any business.

Hagan Hamilton strives to constantly let our people know that they are cared for, encouraged, and supported. That is why this year, thanks to our employees, Hagan Hamilton ranked 7th best among medium-sized businesses to work for in Oregon. 

We know that because we offer a comfortable working environment and create a familial culture, our agents provide exceptional customer service. If we treat our employees well, they will treat our clients even better. Come meet our happy agents at any of our four locations – McMinnville, Newberg, Sheridan or St. Helens. Don’t forget to congratulate them on their accomplishment – helping make our company one of Oregon’s best.

Austin Family Business Finalist: Hagan Hamilton

A Family Business Legacy

Each year, the OSU Austin Family Business Program recognizes select businesses for their familial practices and for “their innovation, entrepreneurship, commitment, and heart.” Founded in 1988, the Excellence in Family Business Awards program invites family businesses to apply, and applications are then reviewed and rated by a panel of judges.

We are so proud and honored to have been named a Finalist in the Generational Development category.

Here’s why: Rick John, our fearless leader, hired his sons (Brian, CFO & Jason, COO) to join him on the leadership team. Both Brian and Jason grew up with the mindset of working at Hagan Hamilton one day, alongside their father.

But theirs isn’t the only family at Hagan Hamilton. In reality, all employees are treated like family. Rick and his team do an excellent job of creating a culture that encourages positive and relational interactions, and that is one of our most important and unique characteristics, and one of the reasons we’ve remained as one of the 100 Best Companies to work for in Oregon for 7 consecutive years.

Thank you, OSU Austin Family Business Program, for the honor of being listed as one of Oregon’s best family businesses in 2015, and for recognizing that one of the best ways of running a business is to treat it like a family – because it is.

To learn more about the Excellence in Family Business Awards, visit their website.
For our latest job postings, check out our Careers page.

awards.31 1 e1456439465209 Austin Family Business Finalist: Hagan Hamilton

Moda Health Update – Feb 10th

Moda Health Supervision Lifted

We have some more information provided in a Press Release from the Department of Consumer and Business Services, Division of Financial Regulation. This information was released on February 8, 2016. We will continue to keep you informed as we learn more.

download Moda Health Update   Feb 10th

Salem — The Oregon Department of Consumer and Business Services issued a consent order today that outlines a plan for Moda Health Plan, Inc. (MHP) to stabilize its financial position and continue to serve its customers. As a result, the department has lifted the Jan. 27 order of supervision and MHP will resume selling and renewing policies to both individual and group customers in Oregon and Alaska.

The steps outlined in the order will generate more than $170 million for MHP, providing sufficient capital and surplus to continue operations. That means all MHP policyholders – including those who have individual, group, Medicaid, and Medicare supplement plans – will be able to keep their plans. All premiums, cost-sharing, networks, and benefits will remain the same.

DCBS worked in close partnership with the Alaska Division of Insurance and the Washington State Office of the Insurance Commissioner to achieve this outcome.

“This course of action is the best option for consumers because it will not disrupt their current policies,” said Patrick Allen, DCBS director. “These steps will provide a financial cushion so the company can make good on the commitments it has made to Oregonians.”

The requirements in the order include:

  • Providing coverage and service to its individual policyholders in Oregon and Alaska through Dec. 31, 2016.
  • Establishing a bank deposit for the benefit of Alaska policyholders.
  • Selling a portion of money owed to MHP by the federal government.
  • Providing additional, more frequent reporting to DCBS and the Alaska Division of Insurance.
  • Selling a combination of assets, including some held by Moda, Inc., and making all proceeds available to MHP. These transactions, several involving third parties, will bring new capital to MHP.
  • Obtaining DCBS approval from before awarding executive salary increases or bonuses.
    Obtaining surplus notes, which are debt instruments considered capital and surplus.

If Moda does not complete all the requirements as scheduled, the department retains the ability to take swift action.

“While we expect Moda to comply with the order, we will have the ability to take further steps, if needed,” Allen said. “Our utmost concern is protecting Oregon policyholders.”

Today’s announcement follows last month’s order of supervision issued by DCBS to MHP because of concerns over its financial condition. The department issued the order because of MHP’s excessive operating losses and inadequate capital and surplus. The prohibited MHP from issuing new policies, required it to raise adequate capital, and placed a state representative on site to oversee financial transactions. The order also required MHP to submit a business plan and secure sufficient capital.

“Initially, we thought it might be prudent for MHP to exit the individual market, but the steps outlined in the consent order instead will allow consumers to continue their health coverage with no changes;” Allen said.

For all MHP policyholders, there should be no disruption of services and consumers do not need to take action. If consumers have any problems or questions, they can call the department’s consumer advocates at 1-888-877-4894 (toll-free). Frequently asked questions are available .

The consent order is available at .

The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon’s largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov and www.insurance.oregon.gov.

I’m a Moda policyholder. What does today’s announcement mean for me?

The consent order issued by the Department of Consumer and Business Services requires a significant restructuring of Moda’s financial situation to stabilize the company and allow it to continue to serve consumers in both the individual and group markets. The announcement means that there will be no changes to your plan in 2016.

Will my claims be paid?

Yes. All provider contracts, including contracts with pharmacies, remain in effect, so consumers should see no disruption in coverage. Claims for 2015 also will be paid.

Can I still see my doctor or get my prescriptions filled?

Yes. All provider contracts, including contracts with pharmacies, remain in effect and are still in place.

Should I continue to pay my premium?

Yes. You must pay your premium in a timely manner to maintain your coverage.

Can I change to another carrier?

Now that open enrollment has ended, you can change health insurance plans only if you experience certain life-changing events, such as a change in family status (for example, marriage or birth of a child) or loss of other health coverage.

Can I enroll with Moda if I have a qualifying event? *New: 2/8/16

Yes, with the supervision order lifted, Oregonians now may purchase Moda plans if they have a qualifying event, such as change in family status (for example, marriage or birth of a child) or loss of other health coverage.

Will there be a special enrollment period?

No. Since Moda can continue to provide coverage to its individual members throughout 2016, there is no need for a special enrollment period.

I already switched plans when I heard Moda was struggling. Can I switch back to Moda?

Now that open enrollment has ended, you can change health insurance plans only if you experience certain life-changing events, such as a change in family status (for example, marriage or birth of a child) or loss of other health coverage.

What if Moda can’t fulfill the state’s requirements?

The law provides many tools DCBS can use to protect consumers and ensure claims are paid if needed. These options include placing the company in receivership and initiating either a rehabilitation or a liquidation.

How many people does Moda enroll?

Moda enrolls about 60,000 people in the individual market in 2016. As of fourth quarter 2015, it enrolled 89,785 in the individual market, 17,460 in the small group market, and 131,840 in the large group market.

Eastern Oregon CCO serves 48,000 Medicaid members. There are 1,100 PEBB members and 42,000 OEBB members enrolled in Moda health plans.

Best Companies to Work For in Oregon

Top 100 Oregon workplaces for 7 consecutive years

OBM 100 Best Logo 2016 300x248 Best Companies to Work For in Oregon

Hagan Hamilton has been named one of the 2016 100 Best Companies to Work For in Oregon! This is the 7th year in a row that we’ve received this honor. Our exact rank will be announced at the 23rd Annual Oregon Business 100 Best Companies celebration on March 3rd.  In 2015, we placed 14th Best among medium-sized businesses.  We are thrilled to be included with other great Oregon businesses, and it is all thanks to our employees who take great care of our clients.

 

Check out the 2015 Top 100 Oregon Workplaces list here.

Moda Health Update

Moda Health Under Supervision

download 300x147 Moda Health Update

We received this press release on January 28th from the Oregon Department of Consumer and Business Services regarding Moda Health. We’ll be sure to keep you updated as we get more information. A few frequently asked questions are shared at the end of the press release. If you have further questions, give us a call and we’ll do our best to answer them.

State places Oregon health insurer under supervision

January 28, 2016

(Salem) – The Oregon Department of Consumer and Business Services, Division of Financial Regulation announced today that it has issued an order of supervision to Moda Health Plan, Inc., because of concerns over its financial condition. At the same time, the department will begin working with Moda to transfer its individual market plans to another carrier.

An order of supervision allows the department to have a representative on site and in control of all financial decisions to ensure that consumers are protected.  The order prohibits Moda from issuing new policies or renewing current policies in the individual market, and from adding new groups.  The order also requires the company to obtain sufficient capital and present a business plan to DCBS that clearly demonstrates that it can operate in sound financial condition going forward. The supervision order is available at .

The department took this action because of Moda’s excessive operating losses and inadequate capital and surplus. Capital and surplus is the amount a company’s assets exceed its liabilities. The required minimum increases as the company assumes more insurance risk.

“Our primary goal is to ensure consumers are protected,” said Patrick Allen, director of the Department of Consumer and Business Services. “We will continue to work closely with the company to find a sustainable path going forward while minimizing risk to consumers.”

The order became effective late yesterday; however, Moda’s insurance policies may still appear on HealthCare.gov through the end of open enrollment, Sunday, Jan. 31. DCBS advises consumers still shopping for plans to choose a carrier other than Moda. In the event that Oregonians already enrolled with Moda need to switch plans, there will be a special enrollment period. In the meantime, Moda policyholders can continue to access medical services and get their claims paid.

DCBS, which also runs the Oregon Health Insurance Marketplace, will keep Moda customers apprised of new developments and actions they may need to take.

As of Sept. 30, 2015, Moda enrolled a total of about 244,000 Oregonians in the commercial market, including 95,000 in the individual market, 16,000 in the small group market, and 129,000 in the large group market. Moda also has members in the associations and trusts market.

Eastern Oregon CCO, which serves Oregon Medicaid members and is owned by Moda, serves 48,000 Medicaid members. No one on Medicaid is losing coverage.

The Oregon Health Authority is also working with the Public Employees’ Benefit Board and Oregon Educators Benefit Board partners to minimize any potential impacts to their members. There are 1,100 PEBB members and 42,000 OEBB members enrolled in Moda health plans.

Consumers with questions should call the DCBS Division of Financial Regulation’s consumer advocates at 1-888-877-4894 (toll-free). Staff will be available to answer calls until 8 p.m. More information can be found on the division’s website at .

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The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon’s largest business regulatory and consumer protection agency. Visit  and.

Questions and Answers about Moda Health Plans

Note: These questions and answers will be updated as we receive more information. Please check regularly for updates.

What action did the state take regarding Moda Health Plans?
The Department of Consumer and Business Services, Division of Financial Regulation issued an order of immediate supervision to Moda Health Plan Inc. The order of supervision allows the department to have a representative on site and in control of all financial decisions to ensure that consumers are protected. The order prohibits Moda from issuing new policies or renewing current policies. The order also requires the company to obtain sufficient capital and present a business plan to DCBS that clearly demonstrates that it can operate in sound financial condition going forward. The supervision order is posted on the department’s website: 

Why did the state take this action?
The department took this action to protect consumers. Moda is experiencing significant financial difficulties, including excessive operating losses and inadequate capital and surplus.  Capital and surplus is the amount a company’s assets exceed its liabilities. The required minimum increases as the company assumes more insurance risk.

What are the next steps?
The department will closely monitor and work with Moda to ensure the company can continue to serve its current customers and pay claims. DCBS also will facilitate a plan to transfer Moda’s individual policyholders to another carrier.

What if I have a Moda health insurance plan?
Oregonians with Moda policies can continue to access health care services. Through its supervision, DCBS will ensure claims are paid and consumers are protected.

Should I continue to pay my premium?
Yes. If you pay your premium, it will help ensure continuity in coverage as the department works with Moda on next steps.

Can I still see my doctor and have prescriptions filled at my pharmacy?

We are working with Moda to ensure that its contracts with providers remain in place. DCBS will do its best to minimize disruptions, but they are possible.

I had a Moda plan in 2015 but changed to a new carrier in 2016. Will my 2015 claims be paid?
Yes. With DCBS on site supervising Moda’s activities, the department will ensure claims are paid.

I am still shopping for coverage – can I sign up for a Moda plan?
No. The supervision order prohibits Moda from issuing new policies or renewing policies.

I have a Moda plan through my employer. What does this mean for me?
This order does not affect any policies you get through your job. You should continue to pay your premium, and more information will be provided about any service changes.

Will my Moda dental plan be affected?
No. The company that administers Moda’s dental plans is different than the company that is subject to this order.

Could I potentially lose my premium subsidy or other financial assistance?
Any financial assistance you receive to help pay for your insurance plan is not affected by this order. However, if you have selected Moda for 2016, but decide to select another carrier or plan, the amount of your subsidy may change.

Can I change plans now?
You can change plans during open enrollment, which lasts until Jan. 31, 2016. Outside of open enrollment, you can switch only if you lose coverage or have a life change, such as getting married or having a baby. If Moda is unable to continue to provide individual health coverage, you will have an opportunity to switch to a new carrier during a special enrollment period.

Oregon has a highly competitive market with many options for consumers. There are still a number of carriers offering individual insurance on and off HealthCare.gov and many carriers offering small group coverage. Individuals and businesses have access to a wide selection of plans.

Are other companies struggling?

Many Oregon health insurers experienced losses in 2014 and 2015, as it was challenging to predict claims costs for the first two years of the Affordable Care Act. Lower-than-expected payments from the federal risk corridor payments have also affected some Oregon insurers.

One insurer, Health Republic, chose to exit the market in 2015 because of financial difficulties. Health Republic was a nonprofit Consumer Operated and Oriented Plan (CO-OP), created by the Affordable Care Act.

The remaining Oregon health insurers are currently meeting regulatory standards for solvency, and the department continues to monitor their financial health.

Can my doctor refuse to see me because of Moda’s financial condition?

We are working with Moda to ensure that its contracts with providers remain in place. DCBS will do its best to minimize disruptions, but they are possible.

Who can I contact for more information?

Contact Oregon Division of Financial Regulation advocates at 888-877-4894 (toll-free).

 

Oregon Health Insurance Marketplace

1-855-268-3767

7 Steps to Restored Health and Happiness

healthandhappiness 7 Steps to Restored Health and Happiness

by Jennifer Plotnek

How many people think that winning the lottery, buying a new car or getting a job promotion are keys to unlocking happiness?  These dreams can lead to the hope that happiness is derived from outside sources.  But, as most of us already know, the opposite holds true.  Ancient Greek philosopher Aristotle once said, “Happiness depends upon ourselves” and modern research now proves his theory stands the test of time.

Research from the University of Pennsylvania on Authentic Happiness shows that positive internal emotions increase health, achievement and happiness.  The study concludes that the buffer against depression and anxiety does not come from external sources but from internal changes.

Instead of looking outside of yourself to determine what will make you happy, look at what you can do throughout your daily routine to increase overall levels of health and happiness.  Here are seven steps you can incorporate to effectively generate change.

RETHINK SLEEP

Harvard Medical School states, “Going without sleep for too long makes us feel terrible and getting a good night’s sleep can make us feel ready to take on the world.”  It is very important for the human body to receive adequate sleep in order to maintain proper function and health.  Humans are programmed to sleep each night as a means of restoring their bodies and minds.  Create the habit of going to bed and waking up at the same time each day.  This habit regulates the body’s clock and assists with falling asleep and staying asleep for the night.  Additional tips for a good nights’ sleep include avoiding afternoon naps, alcohol, cigarettes and heavy evening meals.

EXERCISE DAILY

Proper exercise assists with stress management and can lead to increased happiness.  Just because you are unable to make it to the gym doesn’t mean that you can’t exercise during the day.  Get up and move around the office.  Some form of movement is better than nothing.

Studies determine that moving more and sitting less can boost overall health because of calorie burning NEAT, or non-exercise activity thermogenesis.  NEAT activities include taking the long way to the bathroom, bypassing the elevator for a walk up the stairs or pacing in the office during a conference call.

VOW TO EAT BREAKFAST

Breakfast provides a healthy start to the day as well as a physical and mental energy boost.  The American Heart Association reveals that skipping breakfast is associated with a higher body mass index, increased obesity risk and higher incidences of coronary heart disease.

Don’t have time?  In order to make breakfast convenient, cook a large pan of steel cut oats over the weekend and place into single-serving containers for the rest of the week.  For increased nutrition and flavor, stir in peanut butter, almond butter, chopped nuts or diced fruit.

ESTABLISH RITUALS

Take time out of each day to engage in self-nurturing activities such as meditation or yoga.  Prepare for bed each night by taking a relaxing bath, drinking herbal tea and reading a book.  Focus solely on yourself and notice an elevated mood.

RECOGNIZE PERSONAL BOUNDARIES

Manage stress by setting boundaries and learn to say “no”.  One tip for increasing employee productivity is to skip checking e-mail in the morning, which addresses another person’s needs.  Instead, use the morning hours to plan a productive day that best meets your needs.

PUT THE PHONE DOWN

A great deal of stress comes from always being available to someone else.  With the plethora of electronics within reach, it is important to disconnect completely at a specific time each evening.  A good guideline: One hour before bed, turn off all technology and electronics.

ENJOY INTERPERSONAL RELATIONSHIPS

The Happiness Project author Gretchen Rubin writes, “Everyone from contemporary scientists to ancient philosophers agrees that having strong social bonds is probably the most meaningful contributor to happiness.”  It is important to be surrounded by uplifting and inspiring people. Pick up the phone and arrange a time each week to meet a friend for coffee.  Enlist a group of friends to work out and motivate each other.  Schedule time to take a leisurely walk with a loved one.  Make appointments each week to connect with important people in your lives.

Jennifer Doede recently lost 16.7 pounds on the Retrofit weight loss program and notes that implementing healthy habits has been a “life-changing experience.”  For example, after taking the step to eat a healthy breakfast each morning, she noticed an immediate boost to her overall health and happiness.  “I have noticed that when I do eat something that is greasy my body feels slow and lethargic.  My stomach can’t digest it.  My body screams at me that this isn’t the proper fuel to keep it up and running,” said Doede.

Making a paradigm shift and recognizing that outside sources won’t guarantee health and happiness takes some work.  Try treating the seven steps above like a business task.  Put them on your calendar and schedule time to improve your well-being – and you just might be happy you did so.

Article courtesy of Retrofit. View original article here.

Beth Black concludes year as Chair of Board of Directors – McMinnville

beth  Beth Black concludes year as Chair of Board of Directors – McMinnville

Earlier this month, Beth Black – one of our Employee Benefits Specialists – ended her year as Chair of the Board of Directors of the McMinnville Area Chamber of Commerce.  In this photo, Beth (left) had just passed the baton to Deanna Benson (right) from Freelin Wade, with Jon Gross (center) as the announcer.  Beth remains on the Board of Directors for the Chamber, and we are so thrilled to have her as involved as she is in the community.

The Chamber of Commerce is responsible for building networks and relationships and a strong local economy.  If you are looking for a specific kind of business, the Chamber will be able to point you in the right direction.  It is run with many volunteers, all of whom share the same mission – to promote growth in their city.

At Hagan Hamilton, we believe in the growth and development of our communities, and we encourage our employees to get involved and give back.  Beth is just one of many employees who volunteer or serve in some capacity.  And for that, we are truly grateful.