David M Decherd Appointed with UnitedHealthcare

Date 12-21-2015

UnitedHealthcare of Rocky Hill Ct. Today appoints David Mark Decherd as Agent.

Your new appointments are active for the following legal entities,

UnitedHealthcare Company
United Healthcare Services, Inc.
UnitedHealthcare of Florida,  Inc.

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

An amazing Aflac employee

11/25/2015

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!

Sincerely,

John Lemonakis

Aflac  Policy Holder

DAVID DECHERD 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 ContestAdmin@Aflac.com. 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.

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.

Expectations,

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.

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.

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 healthcare.gov 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.

By

David Decherd

http://www.davidmarkdecherd.com/