Urban Call Sponsored by Blue Cross and Blue Shield North Carolina

Urban Call — HealtHy living every Day!

Are you an individual looking for a health insurance plan? Do you want to change the plan you are on? Do subsidies help pay for your insurance? If so, you need to update your subsidy with the Health Insurance Marketplace. Subsidies change every year.

November 15: Annual Enrollment Period begins. Apply for, keep, or change coverage.

December 15: Subsidy information with the Health Insurance Marketplace is due if members want to change plans, or apply for new coverage.

December 31: Coverage ends for 2014 plans.

January 1: Coverage for 2015 plans can start.

February 15: The last day to apply for 2015 coverage before the end of Annual Enrollment Period. Outside of a few exceptions, anyone who does not purchase a plan between Nov. 15 and Feb. 15 will be required to wait until the next Annual Enrollment Period.

The Affordable Care Act provides many benefits:

* Dependents may stay on their parents plan until age 26, (the law also states that “dependents” do not have to live with their parents, be claimed as a dependent on tax returns, may be married and do not have to be enrolled in school).

* Waiting periods for pre-existing conditions are eliminated. Applicants cannot be turned away for enrollment based on their health status.

* Preventive care and medical screenings are covered in-network at 100%, with no cost sharing. This includes immunizations, U.S. Preventive Services Task Force-recommended

services, and screenings for women, infants, children, and adolescents.

*Annual dollar limits on essential benefits are eliminated.

* There are no lifetime dollar limits on essential benefits.

*Policies may only be rescinded for fraud or intentional misrepresentation on the part of the applicant or non-payment of premiums.

All BCBSNC plans mentioned in this edition of Urban Call provide coverage for essential health benefits, which are now required by law. For those who can’t afford it on their own, subsidies are available to people who meet eligibility criteria. The Health Insurance Marketplace can provide more information on eligibility.

*Premium subsidies are available for those who qualify. They help lower the amount of premium the individual or family must pay for their coverage on a month-to-month basis.

*Some are eligible for cost-sharing assistance that will limit out-of-pocket costs (i.e., deductibles, coinsurance or copayments) that would otherwise be charged at the point of service.

It is a great pleasure to work with Blue Cross and Blue Shield of North Carolina and the goal of helping more people have access to insurance through the Affordable Care Act. We know that health outcomes improve when access to appropriate medical care is available. We are happy that our SMSi Ambassadors will be out in the community helping people understand their new options. As always, our motto continues to be: Healthy Living Every Day!

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Fighting Diabetes in Our Community5

Important Dates to Remember

Affordable Care Act: The Important Dates

From our family to yours

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Sandra Miller JonesSegmented Marketing Services, Inc.Founder & CEO

Lafayette JonesPublisher, Urban Call; SMSi-UrbanCall Marketing, Inc. President & CEO

For more information on your Affordable Health Care options

Call: (866) 341-5283 toll freeText: (336) 692-2151E-mail: [email protected]

For a digital copy of Urban Call visit: http://Issuu.com/SmsiUrbanCallMarketing.com

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Urban Call — HealtHy living every Day! Urban Call — HealtHy living every Day!

Community Health Forums are being planned in North Carolina to update consumers on new insurance options that are available to people who need individual coverage.

These forums will be especially helpful to those who have never had insurance coverage, now mandated by the Affordable Care Act. Find out more about subsidies that are available and about the new and expanded benefits in all insurance plans. Meet the SMSi Ambassadors and licensed agents working in your area.

From Our Family to yoursthe basics

glossary

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Our ambassadors

Visit SMSiUrbanCallHealth.com

It’s important that all of us understand the cost of the health care we receive and how it impacts the amount we pay for health insurance. As one of North Carolina’s leading health insurers, we think we have a responsibility to our customers and to North Carolina to provide accurate information about the true cost of health care and what we can all do about reining in that cost. There are many reasons for the rise in costs. One is something we can all work to address: unhealthy lifestyles. The old adage “an ounce of prevention is worth a pound of cure” has never been more relevant than it is today. As a result, a substantial portion of health care costs is directly related to lifestyle choices that have negative health consequences. And we all pay for the consequences of these poor choices.

We learned when we launched Let’s Talk Cost (letstalkcost.com) three years ago few people understood why medical costs were so high. Fewer realized that the high cost of care was directly related to the high cost of insurance. Let’s Talk Cost has been an effective medium through which to inform and stimulate conversation and action to help address this problem.

I believe we have been able to ratchet up the conversation on health care costs, and I’m hearing about more efforts across North Carolina to have productive conversations that can lead to solutions to the health cost challenge. We have some momentum for addressing this issue. We invite you to join in the conversation. We want to hear from you. Visit Letstalkcost.com.

Blue Cross and Blue Shield of North Carolina on healthy choices

Brad WilsonPresident and CEOBlue Cross and Blue Shieldof North Carolina

Blue Cross and Blue Shield of North Carolina was recognized as one of the World’s Most Ethical Companies by Ethisphere Institute, a leading international think tank dedicated to the creation, advancement and sharing of best practices in business ethics, corporate social responsibility, anti-corruption and sustainability. Each year, Ethisphere evaluates several thousand companies from around the world and recognizes those few that demonstrate a true commitment to ethical leadership, compliance practices and corporate social responsibility. Over 5,000 companies were reviewed and out of those, 145 companies were designated as World’s Most Ethical.

Blue Cross and Blue Shield of North Carolina wins ethics award

The SMSi Companies have opened new offices after 22 years in a former location. The corporate office is at 615 Saint George Square Court, Suite 300 in Winston-Salem, N.C. The SMSi & Urban Call Community Outreach Office is at the Goler Memorial AME Zion Family Enrichment Center, 620 Patterson Avenue, N.C., in downtown’s historic African-American district.

Founded in 1978, the minority-owned national marketing, promotion and publishing companies include Segmented Marketing Services, Inc. (SMSi) and SMSi-Urban Call Marketing, Inc. The newest company, SMSi Health Insurance Solutions, assists with education and enrollment for Medicare and the Affordable Care Act. The corporate headquarters, located near Hanes Mall, is equipped with high tech video conferencing capabilities, and is located between Highway 421 and I-40, providing access to Greensboro, Charlotte and Piedmont Triad International Airport. The Community Outreach Center, with multipurpose

conference facilities for 500, a computer training center with 20 stations and a full service kitchen, is adjacent to the Wake Forest University Innovation Quarter and its newest addition, Biotech Place.

The SMSi companies deliver millions of free product samples, custom Urban Call publications and promotions through national proprietary networks of churches, beauty salons and schools, barbershops, retail stores, community health and senior centers, women’s service organizations and youth organizations. Field marketing ambassadors work in the top 25 U. S. ethnic markets. SMSi-Urban Call Marketing produces digital media and print Urban Calls, part of a strategic alliance with BH Media Enterprises, a Warren Buffet company. These tabloid size custom publications have been sponsored by Procter and Gamble, General Mills, Blue Cross and Blue Shield of North Carolina, Johnson & Johnson, and Aetna insurance.

SMSi Companies expand headquarters

SMSi Community of Networks

The SMSi Companies Corporate Offices

615 Saint George Square Court, Suite 300

Winston-Salem, NC 27103Office: (336) 546-1802 or

(866) 341-5283

SMSi & Urban Call Community Outreach Office

Goler Memorial AME Zion Family Enrichment Center

620 Patterson Avenue Winston Salem, NC 27101

(336) 546-1802 or (866) 341-5283

President and CEO; Urban Call Publisher: Lafayette Jones Executive Editor: Alan CronkEditorial Director: Rose M. Walsh

Production Manager: Jodi S. SarverFinancial Services: Wanda CourtsArchivist: Avis PattersonWarehouse and Shipping: Bernard Archie

Segmented Marketing Services, Inc.

SMSi-Urban Call Marketing, Inc.

SMSi Founding Chair and CEO: Sandra Miller JonesNational Project Manager: Constance HarrisNational Public Relations Manager: Tonya MonteiroNational Logistics Manager: Camille Allen

Lead Outreach Ambassador: Sophia BambyLead Agent Ambassador: Debra ShoreDirector Operations: Tahnya BowserDirector Financial Services: Roslyn Hickman

SMSiUrbanCallMarketing.com n SegmentedMarketing.com


Contact Us Today!SMSi Health Insurance Solutions

SMSiUrbanCallHealth.com

For more information about your Affordable Health Care options: Call: (866) 341-5283 toll free Text: (336) 692-2151E-mail: [email protected] Hours of operation: 24 hour hotline

Contact Us Today! SMSi Health Insurance Solutions A Blue Cross and Blue Shield of North Carolina Authorized Agency

Call: (866) 341-5283 toll free - Text: (336) 692-2151 - E-mail: [email protected] Healthcare.gov, https://www.healthcare.gov/fees-exemptions/exemptions-from-the-fee/. 2 Actual subsidy eligibility and amounts can only be determined by the federal government.® Marks of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. U9303, 10/14

A Blue Cross and Blue Shield of North Carolina Authorized Agency


You have a lot to think about when you are looking for a health plan. It has to meet your specific needs, your budget and your life circumstances and give you the protection you need. Here are some important steps:

What’s Consider your life •stage, where you are in life and how it will affect your health coverage needs. Are you just starting out? Raising a family? Self-employed or on your own? Between jobs? Need child-only coverage?

Compare plan options •and learn what is available to you. Review the benefits •of each plan and see which plan best meets your needs. Review your federal •income tax report to see if you qualify for a federal subsidy. Blue Advantage offers a broad choice of

doctors, specialists and hospitals with a deep, broad network. Over 95% of physicians and 98% of the hospitals in North Carolina are in-network.1 It provides flexibility in paying for doctor visits and prescription drugs. No referrals are needed. Preventive services are covered at 100% when you go to an in-network provider.2

1: BCBSNC Internal Data, 2011. Percentages indicated represent BCBSNC’s PPO Network

Blue Select tiers benefits and features the largest network of providers for a savings up to 6% over Blue Advantage.3 There are copayments for predictable costs and a smaller pharmacy network that provides cost savings. No referrals are needed and preventive care is covered at 100% when you go to an in-network provider.2

Blue Value features a limited network of doctors, hospitals and pharmacies to lower member costs for a savings up to 15% over Blue Advantage.3 There are choices in how to pay for doctor visits and prescription drugs. The plan pays 100% of preventive services when you go to an in-network provider.2 No referrals are needed.

your plan?

The Annual Enrollment Period The Affordable Care Act mandates that individuals have insurance. Penalties will be assessed for those who do not

have insurance.4 Outside of a few exceptions, anyone who does not purchase insurance during the enrollment5 period will not be able to do so until the next period (November, 2015). Below is a timeline to remember:

The Health Care Reform Act means new or expanded benefits. These include:

November 15: Annual Enrollment Period begins. Apply for, keep, or change coverage.December 15: Subsidy information with the Health Insurance Marketplace is due if members want to change plans in order for coverage to be effective January 1, 2015. December 31: Coverage ends for 2014 plans.

New and expanded benefits

January 1: Coverage for 2015 plans can start. February 15: The last day to apply for 2015 coverage before the end of Annual Enrollment Period. Outside of a few exceptions, anyone who does not purchase a plan between Nov. 15 and Feb. 15 will be required to wait until the next Annual Enrollment Period.

2: Preventive care services as defined by recent federal regulations are covered at no charge to you. For Blue Advantage, Blue Select and Blue Value: Coverage for certain preventive care services (such as routine physical exams, well-baby and well-child care, and immunization) is limited to in-network benefits only. However, state-mandated preventive services are available out-of-network, for which members will pay deductibles and coinsurance, plus charges over the allowed amount. Visit bcbsnc.com/preventive for more details.

4: To avoid penalty, coverage must be maintained for specified periods. See https://www.healthcare.gov/fees-exemptions/fee-for-not-being-covered/. 5: Periods outside of the enrollment date may be available to those who qualify.

Ambulatory patient •servicesEmergency services•Hospitalization•Maternity and newborn •care coveredIncreased benefits for •mental health and substance use disorder including behavioral health treatment

Prescription drugs•Rehabilitative and •habilitative services and devicesLaboratory services•Preventive and wellness •services and chronic disease managementPediatric services, •including oral and vision care

3: BCBSNC Internal Data, percentage savings based on a 45-year-old male, non-smoker, in Mecklenburg County.


First Lady Michelle Obama and film star Halle Berry encour-age Americans to eat nutritious foods and get adequate exercise. Mrs. Obama has made the “Let’s Move” outreach program to combat childhood obesity, a signature of her stay in the White House. Berry, who deals with Type I diabetes, is a spokeswoman for organizations battling the disease.

Halle Berry

Michelle Obama

Seniors’ Health Insurance Information Program (SHIIP) is a consumer information division of the North Carolina Department of Insurance that assists people with Medicare and long-term care insurance questions. The organization also helps people recognize and prevent Medicare billing fraud and abuse.

SHIIP provides education and assistance in three ways:

Operating a toll-free consumer information 1. phone line.Training volunteers, including senior citizens 2. to counsel Medicare beneficiaries about all the parts of Medicare.

Creating educational materials 3. for consumer use including the Medicare Supplement Comparison Guide and the Medicare Supplement Comparison database on the web.

Trained SHIIP volunteers are in existing human services agencies such as the Council on Aging or Cooperative Extension offices.

Nationwide toll-free number (800) 443-9354North Carolina toll-free number(855) [email protected]

Caregivers can find senior advice at SHIIP

Health Care Reform has its own language. Here are the most commonly used terms:

Affordable Care Act (ACA)The law intended to address issues with our

health care system by increasing access to health insurance, introducing reform and improving quality. Also referred to as the Patient Protection and Affordable Care Act (PPACA).

Annual Enrollment PeriodGenerally the only time to switch to a new

plan.

Benefit PeriodThe specified period of time during which

charges for covered services provided to a policy member must be incurred in order to be eligible for payment.

CoinsuranceThe percentage of covered medical expenses

paid after the deductible is met.

Copayment: A fixed dollar amount you may pay for a covered service at the time you receive it. Copayments can vary depending on the service.

DeductibleThe amount you owe for certain covered

services during a benefit period before your health insurance begins to pay.

Federal Poverty Level (FPL)A measure of income level (by family size)

that determines eligibility for premium tax credits. For example a family of four that makes less $95,400. This amount may be adjusted from time to time for inflation.

FormularyThe list of drugs available on an insurance

plan.

GrandfatheredRefers to health insurance plans that were in

effect prior to March 23, 2010 and that have not undergone specific changes. The ACA allows grandfathered plans to be exempt from some ACA requirements.

Health Insurance MarketplaceAn online insurance marketplace where

individuals can compare, shop for and buy qualified health insurance plans. Also known as an “Exchange.”

Out-of-Pocket Costs: Coinsurance payments made by an individual for covered medical services. In addition, this may include deductible amounts for some products, such as Blue Options HSA.

Pre-Existing ConditionA condition, disease, illness or injury for

which medical advice, diagnosis, care or treatment was received or recommended within a specified time period prior to enrolling in health plan. Pregnancy and genetic information are not considered pre-existing conditions.

PremiumThe amount paid to keep an insurance policy

active. Premiums are separate from other health insurance out-of-pocket costs.

Premium Tax CreditsThese Subsidies may be available to low and

middle-income Americans and can be applied towards the payment of health insurance premiums. In addition, cost sharing reductions may limit a plan’s maximum out-of-pocket expenses.

Preventive CareMedical services related to the prevention of

disease, provided by or upon the direction of a doctor or other provider.

ProviderA hospital, non-hospital facility, doctor

or other provider, accredited, licensed or certified where required in the state of practice, performing within the scope of license or certification. All services performed must be within the scope of license or certification to be eligible for reimbursement.

SubsidyA tax credit provided by the federal

government, or a cost-sharing reduction to assist individuals purchasing insurance. They are based on income levels, household size, and access to other affordable coverage.

Glossary of terms

Need more information? Visit the SMSi website at right. Blue Cross and Blue Shield of North Carolina, the U.S. Department of Health and Human Services (HHS) and the White House also have information sites.

•SMSiUrbanCallHealth.com•BCBSNC.com(HealthCareReform)•Whitehouse.gov/blog(AffordableCareAct)•HHS.gov/healthcare(African-American•LetsTalkCost.com

Find useful information about the Affordable Care Act


Meet the SMSi ambassadors

Ambassadors from SMSi-Urban Call Marketing, Inc. are visiting community groups to educate about the Affordable Care Act and explain the insurance opportunities with Blue Cross Blue Shield of North Carolina (BCBSNC). They will work with Community Advocate Partners (CAP) who will host presentations. BCBSNC representatives will speak to the CAP groups organized by the Ambassadors. For more information visit SMSiUrbanCallHealth.com.

Travis BattleWake County Ambassador

Betty Morton & Antwaune IngramForsyth County Ambassadors

Rev. Ervin Baker Mecklenburg Co.

Ambassador

Cathy Price, Creft Haggins & Norma WarrenPitt County Ambassadors

The Bronner Bros. International Hair Show draws 60,000 hair stylists from across the nation. Their “Hair Fitness” competition seeks to promote styles that facilitate healthy and fit African- American women

Studies show many African-American women avoid certain fitness activities in order to maintain their hairstyles. According to the 2011 edition of America’s Health Rankings®, the prevalence of obesity among African-

Americans exceeds 30 percent in 36 states and the District of Columbia. This dramatically outpaces obesity rates for whites and poses serious health consequences for those affected — including diabetes and heart disease.

The goal of the Hair Fitness competition is to encourage professional hair stylists to create hairstyles that are easy to maintain and empower their clients to make exercise a part of their daily routine. Stylists were judged on

the technical execution of the styles, originality, suitability and head contour, and new ideas. Contest categories included: low-impact workout, which involves little to no sweat and requires only one shampoo/condition per week; moderate-impact workout, which involves modest sweat and requires one to two shampoo and conditions per week; and high-impact, which involves profuse sweating and requires two to three shampoo/conditions per week.

Hair Fitness stars at beauty show

DR. SYLVIA FLACK HEALTH DISPARITY ENDOWED SCHOLARSHIP

WINSTON-SALEM STATE UNIVERSITY

The Dr. Sylvia A. Flack Health Disparity Endowed Scholarship has been named in honor of the Winston-Salem State University’s founder and director of the Center of Excellence for the Elimination of Health Disparities (CEEHD). The endowment will prepare Winston-Salem State University nursing students at the masters and doctoral levels to assist in eliminating health disparities which impact racial and ethnic minorities, medically underserved and the disadvantaged. Dr. Flack is the founding dean of the School of Health Sciences/Professor of Nursing at Winston-Salem State University (WSSU). She joined

Winston-Salem State University in 1989 as coordinator of the nursing program. Her research is in the areas of the medically underserved, health disparities, HIV/AIDS, elderly minorities and breast cancer. She founded the Community Family Practice and Wellness Center, an academic primary care facility located in the Housing Authority of Winston-Salem’s public housing and family services. She developed and led Faces of a Healthy Future: National Conference to End Health Disparities I & II, two of the nation’s largest conferences on health disparities.

CEEHD is a member of the

Melicia C. Whitt-Glover, PhD, president and CEO of Gramercy Research Group, found that nearly 40 percent of African-American women avoid exercise due to a hair-related issue.

Health disparity endowment honors Dr. Sylvia Flack

Southeastern Regional Health Equity Council (SHEC), one of ten regional councils formed in 2011 as a part of the National Partnership for Action to End Health Disparities (NPA), a coalition of community, private sector, and government leaders who share the common goal of ending health disparities in Alabama, Florida, Georgia,

Kentucky, Mississippi, North Carolina, South Carolina and Tennessee.

One of the initiatives of CEEHD is the How is Your Heart project (howisyourheartproject.com) developed in conjunction with the American Heart Association. Alvin Borders is director of the local project. He authored a

play, “Dr. Blockheart’s Family Practice,” for community health fairs. In the play Dr. Blockheart, a cardiologist sends invitations to people in the community at risk for heart disease. The characters learn the signs and symptoms of heart attacks and procedures to follow. For information visit facesofahealthyfuture.com; call (336) 779-7361.


Have you ever met someone who radiates positive energy? They immediately leave a good impression on you and you enjoy being with them. Not only is positive thinking good for your personal and business relationships, it also improves your overall health. Here are tips from experts to help you become a positive thinker:

Start by taking charge of your mental attitude. This means approaching your day from the positive side instead of the negative side.

Make an earnest effort to conquer the negative. Surround yourself with optimistic people who have a can-do attitude instead of a cannot-do attitude. Remember that thinking positive means anticipating happiness, joy, health, and success.

Avoid people who zap your energy. You know who they are. These are the people with chips on

their shoulder who blame everyone else but themselves for the problems in their life. They are the “woe is me” people. Do not let them drag you down. If you cannot avoid these people, simply do not allow them to bring you down.

When a negative thought enters your mind, recognize it for what it is and replace it with positive thoughts. Push out all feelings that are not positive. Keep at it and eventually the replacement of negative thoughts with positive ones will come easy for you.

Get exercise. A run, walk, or playing a sport can improve your outlook.

Workouts release endorphins, a chemical which makes you feel good and fight stress. Physical activity does wonders for your body, mind, and soul.

Regardless of your religious faith, being around people with similar beliefs will strengthen your soul and positive outlook. Seek out others who look at a cup as

half full instead of half empty.

Think positive—your first step to a rewarding life Alzheimer’s Assoc.

(800) 272-3900(866) 403-3073 TDDAlz.org

Alzheimer’s Foundation of America(866) 232-8484Alzfdn.org

American Academy of Home Care Medicine (AAHCM)(410) 676-7966Aahcm.org

American Cancer Society(800) 227-2345(866) 228-4327 TTYCancer.org

American Diabetes Assoc.(800) 342-2383Diabetes.org

American Geriatrics Society(212) 308-1414Americangeriatrics.org

American Heart Assoc.(800) 242-8721Americanheart.org

Arthritis Foundation(800) 568-4045Arthritis.org

Assoc. of Black Cardiologists(800) 753-9222Abcardio.org

Center for Disease Control and Prevention(800) 232-4636Cdc.gov International Society on Hypertension in Blacks(703) 351-5023Ishib.org

Leukemia & Lymphoma Soc.(914) 949-5213Lls.org

Lupus Foundation of America, Inc.(202) 349-1155Lupus.org

National Alliance for Caregiving(301) 718-8444Caregiving.org

National Assoc. of Geriatric Care Managers(520) 881-8008CareManager.org

National Council on Aging(202) 479-1200Ncoa.org

National Institute on Aging(301) 496-1752Nia.nih.gov

National Kidney Foundation(800) 622-9010Kidney.org

National Medical Assoc.(202) 347-1895Nmanet.org

National Pharmaceutical Assoc.(877) 215-2091nationalpharmaceuticalassociation.org

U.S. Department of Health and Human Services(800) 444-6472Omhrc.gov

Health Association Directory

Multicultural Health conference in Atlanta

The third Multicultural Health National: Marketing to A Diverse America conference was held in Atlanta. Key thought-leaders focused on best practices for reaching the key multicultural populations. The presentations included perspectives from lawmakers and policy makers on how the Affordable Care Act and demographic shifts will change how and to whom health is marketed.

African-American women’s organizations have always been at the forefront of issues that impact their communities.

Through the years, as champions for many causes including education, voting rights, equal opportunity, fair wages, women’s rights, and the well-being of children, society has benefited from these women’s groups who have lobbied for change. With the many health disparities that are prevalent today, these organizations have once again taken the charge to make a difference and initiate changes to improve the health of women and families.

Women’s groups sponsor health and wellness initiatives and promote the need for doctor recommended preventive and screening exams to foster healthier lifestyles. Health screenings and workshops are organized and sponsored by these organizations in an effort to close

the health gap disparity that exists. Women are encouraged to seek prenatal care to prevent birth defects and infant mortality. Outreach programs address such issues as teen pregnancy, drug addiction, AIDS, stress and nutrition. Some groups help older women live successfully with a supportive social network and financial security.

Through the economic, political, social, religious and cultural programs these women provide, the whole community has been made stronger. Their contributions combine with the work of national, state, county and local organizations and elected officials who are working together for the improvement of women’s health.

At right is a list of women’s groups that serve the African-American community. For more information, call the number listed or check the website.

Black women’s organizations serve the communityAlpha Kappa Alpha Sorority, Inc.5656 S. Stony Island Ave.Chicago, IL 60637(773) 684-1282www.aka1908.com

Black Women’s Agenda, Inc. (BWA) 5335 Wisconsin Ave. NW, Suite 440Washington, D.C. 20015202-730-2637www.bwa-inc.org

Black Women’s Roundtable National Coalition on Black Civic Participation1050 Connecticut Ave., NWWashington, DC 20036(202) 659-4929www.ncbcp.com

Delta Sigma Theta Sorority1707 New Hampshire

Ave., NWWashington, DC 20009(202) 986-2400www.deltasigmatheta.org

Jack and Jill of America Inc. 1930 17th St. NWWashington, DC 20009(202) 667-7010www.jackandjillinc.org

National BeautyCulturists’ League (NBCL)25 Logan Circle NWWashington, DC 20005(202) 332-2695www.nbcl.org

National Coalition of 100 Black Women38 West 32nd St., Suite 1610New York, NY 10001(212) 222-5660www.ncbw.org

National Council of Negro

Women Inc. (NCNW)633 Pennsylvania Ave. NWWashington, DC 20004(202) 737-0120www.ncnw.org

National Hook-up ofBlack Women Inc.1809 East 71st. St., Suite 205Chicago, IL 60649(773) 667-7061www.nhbwinc.com

The Links Inc.1200 Massachusetts Ave., NWWashington, DC 20005(800) 574-3720www.linksinc.org

Zeta Phi Beta Sorority1734 New Hampshire Ave. NW Washington, DC 20009(202) 387-3103www.zphib1920.org

BLACK Women’s oRGAnIZATIons DIReCToRy


Blue Cross Blue Shield of North Carolina (BCBSNC) sponsors a number of community activities including the “Strive to Revive” program in black churches.The program distributes defribulators--medical equipment that assists people with emergency heart problems. Other programs support social activities for groups like the 100 Black Men of America and the Harvey B. Gantt Center for African-American Arts & Culture in Charlotte. A number of colleges in North Carolina receive assistance including the school band at North Carolina Agricultural & Technical State University in Greensboro and its Aggie Foundation. Golf tournaments at Bennett College for women and Elizabeth City State University also receive contributions. Health programs at North Carolina Central University and Johnson C. Smith University are sponsored as is an alumni program at the University of North Carolina, Chapel Hill. Below are the colleges and the pro-grams sponsored by BCBSNC at each.

College: North Carolina Central UniversityLocation: DurhamWebsite: www.nccu.eduFounded: 1910No. of Students: 8,612Contribution to: Health assessment room for nurses

College: Bennett College for WomenLocation: GreensboroWebsite: www.bennett.eduFounded: 1873No. of Students: 780Contribution to: Annual BennettCollege/United Negro College Fund (UNCF) Golf Tournament

College: Elizabeth City State UniversityLocation: Elizabeth CityWebsite: www.ecsu.eduFounded: 1891No. of Students: 3,100Contribution to: ECSU Foundation golf classic

College: Johnson C. Smith UniversityLocation: CharlotteWebsite: www.jcsu.eduFounded: 1867No. of Students: 1,500Contribution to: Growing HealthyCommunities

College: University of North CarolinaLocation: Chapel Hill Website: www.alumni.unc.eduFounded: 1789No. of Students: 29,390Contribution to: Black Alumni Review

Blue Cross Blue Shield of North Carolina

Contributes to College Communities

College: North Carolina Agricultural & Technical State UniversityLocation: GreensboroWebsite: www.ncat.eduFounded: 1890No. of Students: 9,151 Contribution to: Blue & Gold Marching Machine; Aggie Athletic Foundation

Blue Cross and Blue Shield of North Carolina (BCBSNC) sponsors a number of community activities including the “Strive to Revive” program in black churches. To date, 235 AEDs (Automated External Defibrillators) have been awarded to churches throughout North Carolina. The program distributes defibrillators—medi-cal equipment that assists people with emergency heart problems.

Other programs support social activities for groups like the NC Black Legisla-tive Caucus the Harvey B. Gantt Center for African-American Arts & Culture in Charlotte. A number of colleges in North Carolina receive assistance including the

school band at North Carolina Agricultural & Technical State University in Greens-

boro and its Aggie Foundation.

Golf tournaments at Bennett College for women and Elizabeth City State Univer-

sity also receive contributions. Health programs at North Carolina Central Univer-

sity and Johnson C. Smith University are sponsored as is an alumni program at the

University of North Carolina, Chapel Hill. Below are the colleges and the programs

sponsored by BCBSNC at each.

Blue Cross and Blue Shield of North Carolina

HouseHold size 100% 133% 150% 200% 250% 300% 400%1 $11,670 $15, 521 $17,505 $23,340 $29,175 $35,010 $46, 6802 15,730 20,921 23,595 31,460 39,525 47,190 62,9203 19,790 26,321 29,685 39,580 49,475 59,370 79, 1604 23,850 31,721 35,775 47,700 56,625 71,550 95,4005 27,910 37,120 41,865 55,820 69,775 83,730 111,6406 31,970 42,520 47,955 63,940 79,925 95,910 127,8807 36,030 47,920 54,045 72,060 90,075 108,090 144,1208 40,090 53,320 60,135 80,180 100,225 120,270 160,360


The Role Model Beyond Beauty art exhibit launched during the National Black Theatre Festival in Winston-Salem is being scheduled for a national tour through 2016. It will visit large scale African-American events in Charlotte, Atlanta, Chicago and New Orleans.

The total collection, which has grown to over 180 women of color, was developed over 20 years through Lafayette Jones’ column, “Role Model Beyond Beauty” in Sophisticate’s Black Hair Styles and Care Guide, the best selling hair care magazine for women of color.

Artist Leo Rucker was commissioned to paint the pastel portraits, which appear with a story about the women who are accomplished in their careers and distinguished by community service.

The collection includes a variety of women: Rosa Parks, civil rights icon and activity; Dorothy Height, chair/president

emeritus, National Council of Negro Women; Carol Mosley Braun, former U.S. Senator and former ambassador to New Zealand; Sylvia Sprinkle Hamlin, executive producer, National Black Theatre Festival; Chilli Thomas, recording artist and advocate for young women.

It is estimated that 200 million people worldwide have seen the role models in the magazine which is distributed in 40,000 black beauty salons and can be purchased at major retailers like Walmart, Walgreens, Kmart, CVS and Sally Beauty stores.

The publication and column have a black women’s bi-monthly global readership of 1.6 million in the top 50 markets in the United States and in West Africa (Ghana, Ivory Coast); South Africa (Cape Town, Johannesburg), London, Paris, Milan, the Caribbean and South America (Brazil).

Role Model Beyond Beauty art to tour nationally

sylvia sprinkle HamlinExecutive Producer

National Black Theater Festival

Carol moseley Braun Former U.S. Senator and Ambassador

to New Zealand

Rosa ParksCivil Rights Icon and Activist

Dorothy HeightChair/President Emeritus

Nat’ll Council of Negro Women

Chilli ThomasRecording Artist

Dr. Jennifer mieresCardiologist

eunice DudleyCompany Founder

erika GreenTV Writer

To view the exhibit opening at Winston-Salem’s Sawtooth Gallery, visit the SMSi-Urban Call Marketing You Tube Channel (http://youtu.be/2VHP8iadIB8.) Visit RoleModelBeyondBeauty.com.

Do I qualify for a subsidy?During the Annual Enrollment

Period information about qualifying for a subsidy is available on the federal exchange. The web site, BCBSNC.com, also has information.

If I have diabetes will I have to pay a lot more for my insurance?

Rates are no longer determined on health conditions. A number of different factors now determine your rates and subsidy amount.

What is the federal exchange?

It is a government-run website that will allow you to compare different health plans, purchase a plan, and receive a subsidy (if you’re eligible.)

Do I have to go to a Health Insurance Exchange to receive a subsidy?

Yes.

Frequently asked questions

For a glossary of terms, see page 5

Income figure key to lower insurance cost

HouseHold size 100% 133% 150% 200% 250% 300% 400%1 $11,670 $15, 521 $17,505 $23,340 $29,175 $35,010 $46, 6802 15,730 20,921 23,595 31,460 39,525 47,190 62,9203 19,790 26,321 29,685 39,580 49,475 59,370 79, 1604 23,850 31,721 35,775 47,700 56,625 71,550 95,4005 27,910 37,120 41,865 55,820 69,775 83,730 111,6406 31,970 42,520 47,955 63,940 79,925 95,910 127,8807 36,030 47,920 54,045 72,060 90,075 108,090 144,1208 40,090 53,320 60,135 80,180 100,225 120,270 160,360

Subsidies will be available to low and middle income Americans purchasing insurance from a Health Insurance Marketplace (Exchange) based on household size, income and access to other affordable coverage.

In the chart below the Federal Poverty Level (FPL) for various household sizes is listed in the first column (100 percent). For example, a family of four whose income ranges from $23,850 to $95,400 may be eligible

for assistance. Those whose income is on the lower end of the scale will receive the most government assistance. After family income exceeds 400 percent of the poverty level, assistance is generally unavailable.

Health care reform is for everyone. Blue Cross and Blue Shield of North Carolina is hosting statewide meetings to assist consumers who want to know more about it.

Blue Cross and Blue Shield of North Carolina

staff can assist

Roy Watson Jr.Director, Small Group &

Individual Under 65 Sales

Montressa SneedRegional Sales

Manager

Jasmine SmithDiversity Marketing

The uninsured or those who need to purchase individual insurance will find Community Health Forums especially helpful. Review this income table to see if you may be able to lower your insurance costs. Be sure to attend a forum in your area. Source: http://familiesusa.org/product/federal-poverty-guidelines (accessed August, 2014) These 2014 federal poverty guidelines are for the 48 contiguous states and Washington, D.C.


AIDS Foundation Blair Underwood

Blair Underwood, known for his roles on “LA Law” and “The Event,” is featured on Home Made Simple, a television show on the Oprah Winfrey Network. In one episode Underwood surprises and honors a hard-working single mom, who has earned her Masters degree with a dual-purpose art room and guest room for her daughter.

Underwood won the Humanitarian Award for his work with the Los Angeles chapter of the Muscular Dystrophy Association. He served as the spokesperson for YouthAIDS and is involved with the AIDS Healthcare Foundation’s Blair Underwood Clinic in Washington, DC.

North Carolina Mutual Insurance James H. Speed Jr. President/ CEO

Since its beginning in 1898, North Carolina Mutual Life Insurance Company has grown to become one of the nations most widely-known and successful business institutions. It is the only insurance company in North Carolina with a charter dated before 1900. North Carolina Mutual is the oldest and largest African-American life insurance company in the United States. James H. Speed Jr., who assumed office in 2004, is its ninth president.

Small business, insurance White House topic

Lafayette Jones and Sandra Miller Jones, head of the SMSi companies, joined Pamela and Montinique Cager at a meeting for small business owners in Washington, D.C. sponsored by Business Forward, a nonprofit that helps business leaders advise federal government officials on how to create jobs and accelerate economic recovery. The Cagers own For All Occasions Catering and a photography business. Pamela is vice president and her husband executive director of the Winston-Salem Black Chamber of Commerce. The SMSi company leaders also met with White House officials about the Affordable Care Act which mandates insurance coverage for all Americans.

Carolinas Minority Supplier Development Council

The Carolinas Minority Supplier Development Council enhances business opportunities for minority-owned companies by providing network opportunities with corporate members. Major corporations, financial institutions, government agencies, and universities that operate within North or South Carolina are members. The council has over 170 corporate members and approximately 425 certified minority-owned businesses.

Mental health advocate Melissa Harris-Perry

Melissa Harris-Perry, host of MSNBC’s “Melissa Harris-Perry” weekend show, is a presidential endowed chair in politics and inter-national affairs at Wake Forest

University, her alma mater. She keynoted a fundraiser for the Forsyth County Mental Health Association at the school’s Wait Chapel, urging more emphasis be placed on mental health care for African-Americans.

Big Tent gets boost from Kate B. Reynolds trust

Karen McNeil-Miller, Ed.D., is chairman of the Kate B. Reynolds Charit-able Trust fund. The fund helped found the Big Tent coalition assisting the Afford-able Care Act implemen-tation. Nearly 100 organizations, including the SMSi Companies, are taking part. An advisory board and five workgroups have been organized: outreach, information and education; enrollment best practices; training and information; local coalition building; agent/brokers, in-person assisters. Allen Smart, program vice president at the trust noted: “North Carolina had an outstanding first enrollment period, in part because of the hard work of the Big Tent group.”

To learn more contact Lee Dixon, Project Director for the ACA/FFM, at [email protected].

Ambassador trainingLisa Gill, CPA, and Melvin Gill,

owners of Harvest Wealth Solutions, a life and health insurance agency, addressed the SMSi Companies ambassador training seminar at Zion Baptist Church in Cary. Lisa Gill provided tax tips. Kenneth Wilkins, special populations outreach coordinator of the North Carolina

Department of Insurance also addressed the training.

N.C. Institute of Minority Economic Development

The North Carolina Institute of Minority Economic Development is a statewide nonprofit with a mission to build the asset base of under-developed populations through economic develop-ment strategies that build businesses, create jobs, and sustain institutions vital to economically vibrant and socially responsible communities.

Insurance solutions at Dixie Classic Fair

SMSi Health Insurance Solutions hosted an exhibit at the Dixie Classic Fair where they handed out information on the Affordable

Care Act. The 10-day annual event features nationally known musical entertainment, a wide array of food and beverages, exhibits for livestock, poultry, fine arts and crafts, a world-class carnival with numerous rides and games among many more activities. It is attended by an average of 325,000 visitors each year.

Urban Call BrIEFS...

Melvin and Lisa GillHarvest Wealth Solutions

Blair Underwood

James H. Speed

Steve Harvey, entertainer and TV host, mentors youth at his Teen Disney Dreamers Acad-emy.

Steve HarveyMelissa

Harris-Perry, PhD TV Host, Wake Forest

professor

Eric Watson, President Carolinas Minority Supplier Development Council, Inc.

Andrea Harris, President North Caro-lina Institute of Minority Economic Development

Alvin Borders is director of the lo-cal project How Is Your Heart project in conjunction with the American Heart Association. Visit howisyourheart project.com. (See page 6, “Health disparity endowment honors Dr. Sylvia Flack”)

Alvin BordersKaren McNeil Miller, Ed.D. Chairman, Kate B. Reynolds Charitable Trust Fund

Health care coverage may now be more affordable

than ever!

Starting in 2014, most people must have health insurance or pay a penalty. It’s the law!1 The good news is that Blue Cross and Blue Shield of North Carolina (BCBSNC) can help you get the coverage you need at a price that is right for you.

Health insurance may not be

as expensive as you think.

• Many people will be eligible for

financial assistance to help pay for

their insurance costs. BCBSNC can

help determine if you qualify.2

• BCBSNC can show you many

cost-saving plan options.

Call us today! (Agent/Agency Name)A Blue Cross and Blue Shield of North Carolina authorized agent/agency Call: (xxx)xxx-xxxx – Text: (xxx)xxx-xxxx – Agency/Agent email address

1) Heathcare.gov, https://www.healthcare.gov/what-if-someone-doesnt-have-health-coverage-in-2014/ 2) Actual subsidy eligibility and amounts can only be determined by the federal government.

® Marks of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. U10420, 10/14

Agent website

Contact us today!(Agent/Agency Name)A Blue Cross and Blue Shield of North Carolina Authorized Agent/Agency

For more information about your Affordable Health Care plan options:Call: (xxx)xxx-xxxxText: (xxx)xxx-xxxxEmail: Agency/Agent email addressHours of operation

Contact Us Today!SMSi Health Insurance Solutions

SMSiUrbanCallHealth.com

For more information about your Affordable Health Care options: Call: (866) 341-5283 toll free Text: (336) 692-2151E-mail: [email protected] Hours of operation: 24 hour hotline

Contact Us Today! SMSi Health Insurance Solutions A Blue Cross and Blue Shield of North Carolina Authorized Agency

Call: (866) 341-5283 toll free - Text: (336) 692-2151 - E-mail: [email protected] Healthcare.gov, https://www.healthcare.gov/fees-exemptions/exemptions-from-the-fee/. 2 Actual subsidy eligibility and amounts can only be determined by the federal government.® Marks of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. U9303, 10/14

A Blue Cross and Blue Shield of North Carolina Authorized Agency

Urban Call Sponsored by Blue Cross and Blue Shield North Carolina

Documents

Transcript of Urban Call Sponsored by Blue Cross and Blue Shield North Carolina