Sunday, December 20, 2015

Affordable Care Act Information and Terms

CHIP                                                             Children's health insurance program
VA                                                                 Veterans affairs
QHP                                                              Qualified health plans
EHB                                                               Essential health benefits
ACA                                                               Affordable care act
SEP                                                               Special enrollment period
HMO                                                             Health maintenance organization
POS                                                               Point of Service
PPO                                                               preferred Provider Organization
FFS                                                               Fee for-service
COBRA                                                         Consolidated Omnibus Budget REconciliation Act
HDHP                                                           High deductible health plan
SBC                                                               Summary of Benefits and Coverage
ACA                                                               Patient Protection and Affordable Care Act  & Health Care and Education Reconciliation Act
FPL                                                                Federal Poverty Level
SHOP                                                            Small Business Health Options Program
SBHCTC                                                       Small Business Health Care Tax Credit   <25 emp FTE < $50k average sal. pay at least 50%
PTC                                                               Premium Tax Credit
MEC                                                              Minimum essential coverage
ISRP                                                              Individual Shared Responsibility Payment  2016>  2.5% or $695, higher
FTE                                                                Full-time Equivalent     ( 30 hours or more per week)
ESRP                                                             Employer Shared Responsibility Payment
HPC                                                               Health Plan Category  Bronze 60%, Silver 70%, Gold 80%, Platinum 90%  & Catastrophic
CMS                                                              Centers for Medicare & Medicaid Services
AV                                                                  Actuarial Values

Thursday, November 26, 2015

An amazing Aflac employee


Dear Aflac,

I felt an obligation to write a short letter to inform you that one of your agents is not only a stellar employee, but also an amazing person.

His name is David (Mark) Decherd, and from the moment I first met with him, he was warm, non-pressuring and reassuring. Shortly after learning that I had malignant melanoma, his kindness and reassuring ways continued. I felt both shocked and somewhat lost in the typical sea of paperwork, phone calls, and insurance questions most people experience with any major diagnosis and surgery.
Mr. Decherd, or Mark as I refer to him… was not only helpful, calm and caring… but he quickly became a person that anyone would be proud to call a friend. Mark confided that his wife had gone through similar circumstances with cancer, and therefore so did his entire family. He also told me on more than one occasion to not even think of him as simply an agent, offering me to call his cell at any time, day or night, no matter what I needed. On a few occasions I did just that, and Mark was always there, whether it was a simple text after hours, or even a lengthy conversation. I cannot explain how comforting it is to know that someone is there for you with experience on both sides of the patient insurance fence when you are in need, but Mark is exactly that; and this is a quality that no amount of money or efficiency in a company can ever replace.

Thanks to Mark, my initial and on-going fight with cancer was far smoother than I could ever imagine, because I always felt like I had someone there in my corner, at my beckon call if I needed him, at all times. So I wanted to let you know, as much as I value Aflac and your commitment to pay your policyholders almost immediately… it is people like David (Mark) Decherd that truly create the love your company.

Because of this man, I will forever be an ambassador for Aflac!

John Lemonakis

Aflac  Policy Holder

Tuesday, November 17, 2015

November 17, 2015
Congratulations on your Super Fireball Award
Congratulations. You set your goal, started strong and qualified for Aflac's Super Fireball Award. I hope you take great pride in your achievements during this first 26 weeks of your Aflac career.
I want to personally thank you for the time and effort reflected in this award. It's no easy task to earn 95,000 qualifying points and keep a no-pay rate of 13 percent or less. As a reward, you will receive a Super Fireball awards plate to place on our Fireball/Star Series awards plaque as well as $600 in bonus cash. Aflac allows you to track all rewards you receive through the "My Awards" link found on your Duck Gear page.
If you need assistance or have questions, please email
You've come a long way, and I encourage you to continue to strive for success and become one of our All-Stars. Best wishes in the weeks ahead.

Saturday, September 26, 2015

Leadership David Decherd

Why Leadership?

David Decherd
Because for my personality, the working directly with others on  creating and nourishing  within them the great success, advancement and growth-really excites me. When they win, I feel great. To have this opportunity to advance my career by advancing others is a dream come true. To see someone light up like a Christmas tree is more satisfying than almost anything else I can think of  and to get paid for it, well it just doesn’t get better than that. So why leadership, because it turns me on to turn them on.


I expect support and guidance and I expect to be corrected. I tend to be a very creative out of the box thinker, and if their is a better way, I want you to tell me how. I want consistency and the truth always. If I screw up tell me, but don’t let me keep swimming in the wrong direction. I expect room to grow,  I expect you to be clear with me and laugh with me when it's funny and cry with me when it hurts, I want to know in my heart that you have enough lifeboats for us all. And most of all what I really want, what I really expect is to always , always  be proud of you.

Thursday, September 24, 2015

David Decherd Promoted to Coordinator In Training with AFLAC

David Decherd
David Decherd, a former sales agent with Aflac Central Florida, has been promoted to Coordinator in Training, CIT out of the AFLAC Estero Florida office. David Decherd has been with Aflac for 5 months during which time he has excelled in helping his fellow agents. Because of  his team building attitude the CIT promotion was a natural fit.  In Addition Decherd has achieved Fast Start, Super Fast Start, Fireball and Super Fireball series awards, has sold in excess of $50,000.00 in gross annualized premium and won the coveted convention cruise.  “I’m delighted to be with such a great company;  with the opportunity to advance.” The CIT position entails  responsibility for leadership regarding new field agent training and sales, Decherd will report to his District Sales Coordinator, Jamie Hartt. Aflac is a market leader in supplemental Insurance helping people survive the financial hurdles associated with injury and illness.

Tuesday, September 22, 2015

Health Care What's one to do?

You know you need it. Your family depends on you for it. Let's Face it, this is one of the big topic question most every person deals with today. The realities are pretty daunting. Coverage, cost , availability, deductibles  and co-pays it seems endless, the choices aren’t easy. What do you do?

If you're like most people today you'll turn to your employer for the answers; guess what, they are just as confused as you are. The truth is that the employer is trying to run a business and as such they want to lower cost. Health Care is one of those necessary evils that tugs on the business’s check book.  So what do they do. They look for ways to lower that cost. This is where some of the confusion begins. When a policy can be written with a higher deductible that actually lowers the expenses to the business, what do you really think will happen. That's right you pay more, they pay less. Sure they can recommend a Health Saving Plan to offset that cost, but in the end you still pay.

What this all boils down to is how can you protect yourself from the high deductibles and co-pays of the health world. First, you'll have to become a little more proactive, what exactly do I mean by that. Educate yourself, learn what products are available to you. If you wait until the last minute you’ll end up taking the best of the worst and that's not going to help you. Go to shop around, call a few providers ask questions. The more options you can create for yourself, well you get it.

Second, think about alternative ways to pay for those deductibles and co-pays. Voluntary Insurance that pays benefits directly to you can greatly offset the out of pocket expense. You can purchase this insurance directly or in many cases your employer can get it for you.

Third don't turn a blind eye toward the Health Savings Plan. They provide a real  way  to shield some of your money from the tax man, and who doesn't love that.

With a little searching and inquiring, you’ll be able to clear some of the confusion that surrounds this issue. Just combine some of these suggestions and you'll come out way ahead. Just remember that when it comes to your health and your families well being, make the choices before hand not out of pocket.

David Decherd

Thursday, August 13, 2015

Congratulations! David M Decherd You have earned an invite to Convention!

Congratulations from the Everwell Team!
Dear David Decherd,
Congratulations!  You have earned an invite to Convention!

Your hard work driving 3-99 business on Everwell from Weeks 22-32 has paid off.  You finished 1st in your Market with134,971 Everwell points. 

Thank you for your participation and we hope you enjoy your time on the boat!

You will be receiving more details regarding your invite to Convention within the next few weeks.  If you have any questions, please reach out to your market leadership.

The Everwell Team

David M Decherd Wins Fire Ball Award from AFLAC

In appreciation for your record achievements
for outstanding sales performance by a new associate.
Aflac awards the FIRE BALL Star Series award to
David Mark Decherd, in Florida

Tuesday, July 28, 2015

Obamacare vs. Affordable Care Act

When you ask people on the street a question aboutObamacare versus the Affordable Care Act the answer reveals that many people are adamantly against Obamacare but are for the Affordable Care Act - yet, they're one and the same thing. For years now, we've been bombarded with conflicting information, promises, opinions, legal challenges, and more, and the verdict is still out. Whether you're for Obamacare, against it, or still confused about what it really is, turmoil in the marketplace will continue for years to come.
Here's what we know for sure:
You have to enroll in a qualified health insurance plan or pay a penalty
Unless you qualify for subsidies, and even if you do, you'll likely have higher than expected out-of-pocket expenses.
Health insurance was supposed to get better, and cheaper, right? Perhaps for some, but it looks as if employees are feeling the burden. According to Aflac's 2015 Workforces Report, companies are continuing to shift the cost of healthcare to employees: 
31 percent increased employee's' share of their premiums
30 percent increased copay amounts 
21 percent switched to high deductible plans with HSAs 
Some even dropped coverage for partners and spouses.
These figures translate into more out-of-pocket costs for employees. If you're feeling the burden, it may be time to look at alternative solutions. Changing plan types may not provide enough financial protection. Regardless of what type of coverage you are interested in, individual or company sponsored there are somethings you can do right now to protect yourself financially.
Many people can't afford the Gold and Silver plans for their families, opting instead for high deductible Bronze plans in order to keep their premiums affordable. What happens when they get sick or injured? Their insurance won't kick in until their deductible has been met.
With an average 2015 deductible for a family enrolled in a Bronze plan being $10,545, the Affordable Care Plan is far from affordable. This leaves many in a very uncomfortable financial
situation. One solution may be a pre-tax health care saving plan. The plan can divert monies pre-tax into a savings account that can be used to pay health care cost. Talk to your company's human resources department to see if they can set it up for you. If not go to a qualified CPA to set one up.
The key here is preparation be prepared to cover the out of pocket cost when injury or accidents happen.
Aflac Agent, Decherd specializes in matching small business owners and their employees with supplemental Insurance from Aflac. Aflac provide financial recourse when injury or sickness stricks.
Article Source:

By David Mark Decherd

Sunday, July 19, 2015

David Mark Decherd Wins Aflac's Fast Start Award

Sales award

Aflac Agent David Mark Decherd Wins Aflac's Fast Start Award
David Mark Decherd, a Florida life insurance agent, was recently awarded Aflac's Fast Start Award. This award is issued to sales associates for outstanding sales performance.

"Having joined Aflac in early 2015, I'm humbled to have received this award so quickly," Decherd said. "My clients have found Aflac's supplemental health and life insurance products to be particularly attractive and flexible."

Aflac's insurance products provide cash benefits directly to policyholders — in many cases within one business day.

"My clients appreciate the peace of mind these supplement policies bring," Decherd explained. "If you get sick, injured, or suffer short-term disability, Aflac pays quickly, allowing you to focus on getting better, not hassling with an insurance company."

Saturday, July 11, 2015

David Mark Decherd Aflac Insurance Agent

David Mark Decherd Aflac Insurance Agent

 Florida Insurance License

Florida Businessman Earns Florida Insurance License
David Mark Decherd, longtime Florida business professional, was recently awarded his Resident Insurance License from the Florida Department of Financial Services. Under this license (license #W243138), Decherd is licensed to sell life insurance, including variable annuity and health insurance, in the state of Florida.

"I've been preparing for this career move for years," Decherd said. "I've always been a consumer's advocate and am committed to helping individuals select insurance products that best meet their needs."

Since receiving his Florida insurance license in February, Decherd has joined Aflac — quickly winning its "Fast Track" sales performance award.

"I hit the ground running," he said. "Having run my own business for years, I know the challenges small business owners face. Aflac's insurance products fill a real need in the marketplace and I'm thrilled to be able to share them with other business professionals."

Tuesday, July 7, 2015

David Mark Decherd Joins Aflac

Aflac Appointment

David Mark Decherd Joins Aflac and a Licensed Health and Life Insurance Agent
David Mark Decherd, a licensed insurance agent, recently signed on with Aflac. As an Aflac agent and licensed by the Florida Department of Financial Services, Decherd specializes in matching small business owners and their employees with supplemental life and health insurance products.

"There's still so much uncertainty in the marketplace," Decherd said. "Aflac products are attractive for several reasons. Not only do they bring peace of mind, they do so at an affordable cost."

Aflac sells supplemental life and health insurance products such as: life insurance, annuities, cancer plans, medical and sickness riders, fixed benefit dental and vision care, hospital indemnity plans, accident and injury plans, and more.