CMS’ 2025 Proposed Final Rule: SAHU Advocates for Industry Response with Compensation & Marketing Changes On the Rise

In response to the Centers for Medicare & Medicaid Services’ (CMS) 2025 Proposed Final Rule, the Sacramento Association of Health Underwriters (SAHU) is taking a proactive stance to represent the interests of its members and the broader health insurance community.

CMS has introduced a comprehensive proposed final rule, CMS-4205-P, set to bring about substantial changes to Medicare Advantage and Part D programs, effective from the 2025 contracting year starting September 30, 2024. Notably, the proposed rule addresses critical aspects of Medicare marketing and communications policies, particularly impacting agent and broker compensation outlined in Section 1851(j) of the Act.

Key elements of the proposed final rule encompass the elimination of administrative fees and overrides, restrictions on services provided to Medicare agents, impacts on different agency types, changes in marketing reimbursements and Health Risk Assessments (HRA) fees, modifications in commission structures, and operational adjustments for agents and agencies.

SAHU and its board members believe that CMS-4205-P may have certain drawbacks, particularly as this policy would essentially leave agents and brokers unable to directly recover administrative costs. These adjustments impacting FMO/Agency support, training, technology, and related aspects will influence beneficiary options by diminishing the number of agents not only promoting Medicare Advantage but also providing a diverse range of plans. In essence, this regulation is poised to yield outcomes contrary to its intended objectives.

“Field Marketing Organizations (FMOs) are General Agents who provide training, and a multitude of compliance expertise to field agents. Agents struggled to comply with the recent CMS recording requirements, but FMOs were able to quickly provide a scalable solution. Without the general support of FMOs, insurance carriers would need to provide these services, raising their administrative costs and premiums to beneficiaries.” Says, NABIP CEO Jessica Brooks-Woods.

With the CMS-4205-P proposal open for public comment until January 5th, SAHU urges its members and the broader community to unite in advocating for the best interests of our clients and the sustained strength of our profession. We encourage everyone to contribute professional and constructive feedback, and comments can be conveniently submitted through Regulations.gov.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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SAHUToyDrive

SAHU Teams Up with River Oak Center for Children to Support Their Annual Christmas Toy Drive

Sacramento, CA – The Sacramento Association of Health Underwriters (SAHU) is thrilled to announce its collaboration with the River Oak Center for Children for their much-anticipated annual toy drive. With a goal to bring holiday cheer to 100 children of all ages, SAHU invites the community to join in the festive spirit of giving.

This year, River Oak has streamlined the donation process, making it easier than ever to contribute. Simply click on the Amazon shopping link and choose a gift to make a meaningful difference in a child’s Christmas morning.

For those looking for a hands-on experience, SAHU invites you to join a special in-person volunteer opportunity at the ‘Santa Workshop’ hosted by the River Oak Center for Children. Be part of the magic on Thursday, December 14th, 2023, as we become Santa’s elves, wrapping gifts to help create enchanting moments for parents and children on Christmas morning.

Volunteer sign-ups are available on our SAHU Event Page here.  This is a fantastic chance to donate your time, spread the festive spirit, and assist families in preparing for their Christmas morning.

“We all know that it’s not about what’s under the tree at Christmas, it’s about who’s around it. Join us in coming together to embrace those families who need it the most and spread the magic of Christmas,” says Andrew Garnett, Community Service Chair at SAHU.

How to Get Involved:

Donate Online: https://sahu-ca.com/event/river-oak-center-for-children-holiday-gift-drive-2023/.  You will find a helpful Shopping list and link to shop!

 ‘Santa’s Workshop’ Volunteer Sign-up:  Volunteer days are being held at the River Oak Center on December 14th, with various time slots available to select.  This year, River Oak is looking for volunteers to checkout items, wrap gifts, replenish items, and lend a helping to support this event.  Click this sign-up form to register.

To learn more about this event, visit our SAHU Events Page.

We hope you can join us in the spirit of giving back this season to bless 100 kids with a special gift this Christmas. The SAHU community wishes everyone a joyful and magical holiday season!

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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CrabFeed2024-CoverImage

Crab Feed 2024

March 15, 2024 @ 5:00 pm 10:00 pm

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SAHU Crab Feed 2024
Ticket to the Disco
$ 75.00

Get ready to boogie down at the Sacramento Association of Health Underwriters’ annual crab feed, happening on Friday, March 15th, 2024! This year, we’re turning up the funk with a dazzling Disco theme. Dust off your bell bottoms and polish those platform shoes because it’s time to strut your stuff. Besides indulging in some delicious crab, you can look forward to an exciting auction packed with amazing items, a raffle that could see you walking away with some cool prizes, and a bar serving up groovy drinks to keep your spirits high. Snap some memories at our funky photo booth, show off your 70s style in our costume contest, or get wild with a temporary tattoo or balloon creation from our talented artists. It’s going to be a night of unforgettable fun, so make sure you’re there to catch the fever! 🕚ðŸĶ€ðŸŽˆðŸ“ļðŸđ🎉

Thank You to Our Sponsors

Event Sponsor

Bar Sponsors

Butter Sponsor

$75.00

916-565-6553

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6300 Fountain Square Drive
Citrus Heights, CA 95621 United States
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River Oak Center for Children Holiday Gift Drive 2023

December 14 @ 8:30 am 12:00 pm

SAHU is teaming up once again with River Oak Center for Children to assist in their Holiday Gift Drive! Last year at this event over 1,000 children and youth received Christmas gifts due to the generosity of our community. In December River Oak Center will hold their annual Santa’s Workshop event and serve children and youth from birth through age 21.

River Oak is one of the area’s largest providers of behavioral and mental health services for financially disadvantaged children and youth. It serves over 1000 children and youth on any given day with a wide array of innovative and evidence based practices to meet the individual needs of the youth and family with the highest quality of care. With the holidays approaching, which can be a stressful time, River Oak strives to provide a gift to each child and their siblings in order to help brighten the season for families who are already facing challenges.

An Amazon link has been created to help gift-givers easily donate this year! Scan the QR Code below or click this link to donate: https://www.amazon.com/hz/wishlist/ls/1Q80T9KAYZW5W/ref=hz_ls_biz_ex


Deadline to donate is December 11th, 2023.
You may also drop off your gift to River Oak Center for Children located at 5445 Laurel Hills Drive, Sacramento, CA 95841.



916-565-6553

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Tickets

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SAHU Crab Feed 2024
Ticket to the Disco
$ 75.00

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October

Member Meeting Recap | October 18, 2023

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SAHU and River Oak Center for Children Partner Once Again to feed 25 families this Thanksgiving!

Sacramento, CA – River Oak, in partnership with the Sacramento Health Underwriters Association (SAHU), is thrilled to announce the launch of its annual Turkey Drive, aimed at providing Thanksgiving meals for 25 local families in need.  With the holiday season approaching, River Oak and SAHU are dedicated to giving back to as many families in the community as possible, ensuring that everyone can partake in the joy of Thanksgiving festivities.

This year, River Oak has streamlined the donation process, making it easier for everyone to contribute to this meaningful cause. By clicking the DONATE button on our website, you can support our mission and help us reach our goal of providing nutritious and delicious Thanksgiving meals for 25 deserving families.

Donations will be accepted through Friday, November 17th, 2023, allowing ample time for community members and organizations to participate and make a difference in the lives of those less fortunate during the holiday season.

We cordially invite you to join us on November 20th from 10:00 AM to 10:15 AM at 5445 Laurel Hills Dr., Sacramento, CA 95841, for a special photo opportunity as we celebrate and share in the success of our Turkey Drive initiative. RSVP now to secure your spot for this heartwarming event and witness the impact of your generosity firsthand.

Andrew Garnett, SAHU’s Community Services Chair, expressed his optimism for the project, stating, “When we extend a helping hand, we create a community of giving.” Let’s come together and build a stronger, more compassionate community by ensuring that every family possible can enjoy a Thanksgiving feast this year. For further information and to RSVP, please visit our website at https://sahu-ca.com/event/2023-river-oak-center-for-childrens-turkey-dinner-drive/.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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biz expo

2024 SAHU BUSINESS MEDICARE EXPO

August 28, 2024 August 29, 2024

SAVE THE DATE!

Join us Wednesday, August 28th, 2024, for the SAHU Business Medicare Expo! Save the date and stay tuned for more information to come.

Organizer

SAHU
Phone
916-565-6553
Email
info@sahu-ca.com
Website
View Organizer Website

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SAHU Crab Feed 2024
Ticket to the Disco
$ 75.00

Who's coming?

0 people are attending Crab Feed 2024

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2024 golf touny

SAHU Golf Tournament

May 17, 2024 May 18, 2024

SAVE THE DATE!

Join us Friday, May 17th, 2024, for the SAHU Golf Tournament! Save the date and stay tuned for more information to come.

Details

Date:
May 17, 2024
Event Category:
Event Tags:
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Organizer

SAHU
Phone
916-565-6553
Email
info@sahu-ca.com
Website
View Organizer Website

Tickets

Who's coming?

The numbers below include tickets for this event already in your cart. Clicking “Get Tickets” will allow you to edit any existing attendee information as well as change ticket quantities.
SAHU Crab Feed 2024
Ticket to the Disco
$ 75.00

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0 people are attending Crab Feed 2024

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The Centers for Medicare & Medicaid Services (CMS) identifies a group of ten Medicare Part D medications slated for negotiation under the Inflation Reduction Act (IRA) has been identified.

Important industry news brought to you by Sacramento Association of Health Underwriters (SAHU).

The Centers for Medicare & Medicaid Services (CMS) revealed on Thursday, August 31st 2023, that the initial group of ten Medicare Part D medications slated for negotiation under the Inflation Reduction Act (IRA) has been identified.

These drugs have been designated based on the outlined criteria within the IRA. This legislation mandates that CMS prioritize drugs with the highest Medicare expenditure and minimal competition, among other considerations. The resulting roster encompasses medications that are crucial for numerous Medicare recipients in treating various conditions such as cancer, diabetes, blood clotting, heart failure, autoimmune disorders, and chronic kidney disease.

Negotiations regarding pricing will commence this year between CMS and the participating pharmaceutical manufacturers. Finalized prices will be disclosed next autumn by CMS, with implementation set for 2026. In the ensuing years, additional medicines will be included for negotiation.

Projected Benefits for Beneficiaries and Medicare

In 2022, the U.S. Department of Health and Human Services (HHS) approximated that the expenses for the chosen ten drugs totaled $3.4 billion in out-of-pocket payments for Medicare beneficiaries. While the specific savings for individual beneficiaries through the IRA’s negotiation initiative will be contingent on the forthcoming reductions in prices, overall reduced costs are anticipated across the board. It is noteworthy that the Congressional Budget Office (CBO) predicts that these negotiations could save Medicare a total of $98.5 billion over a ten-year span, subsequently leading to decreased financial burdens for beneficiaries and taxpayers. Importantly, this law will achieve these outcomes while simultaneously enhancing health results and program stability. The CBO underscores that the lowered drug costs will encourage better adherence to prescribed medications, ultimately enhancing beneficiary well-being and diminishing the necessity for more expensive medical care covered by Medicare.

Furthermore, complementary reforms tied to the IRA are either already in effect or will soon be implemented, further enhancing the affordability and accessibility for beneficiaries. Several key measures are already active, such as capping monthly insulin prescription costs at $35, providing no-cost Part D vaccines, and reducing coinsurance for certain Part B drugs. In the upcoming year, an increased number of Medicare beneficiaries will experience relief as the IRA abolishes enrollee expenditures in the Part D catastrophic phase and extends full Part D Low Income Subsidy (LIS) coverage to individuals with incomes equal to or less than 150% of the poverty threshold. By 2025, the legislation will also impose a limit of $2,000 per year on beneficiary Part D drug expenses and allow beneficiaries to pay these costs in more predictable monthly installments, offering vital financial security.

Previous estimates from HHS indicated that the Part D changes brought about by the IRA would save a minimum of $400 for one out of every three enrollees in 2025. Notably, a considerable number of beneficiaries will experience even more substantial savings: over eight million will witness a $759 reduction, and nearly two million will benefit from a $2,500 decrease, reflecting a 66% reduction relative to their present costs. Once the negotiation program is initiated in 2026, these savings are expected to expand further.

Engaging the Public

This initiative encompasses ten virtual public Listening Sessions set to take place in the upcoming fall, with each session focusing on one of the selected drugs. The agency has stated that this series will “offer an avenue for patients, beneficiaries, caregivers, consumer and patient organizations, and other interested parties to provide input relevant to the drugs chosen for the initial round of negotiations.” Stakeholders are required to pre-register for the opportunity to make live, public statements.

“It’s important for insurance agents to educate their clients about the impact of the Inflation Reduction Act this year more than ever.” Rosamaria Marrujo, past SAHU president and incoming CAHIP president.

Additionally, CMS will accept written statements from September 1 to October 2, 2023. Further details about how to contribute to CMS concerning the negotiation process can be found here
https://www.cms.gov/inflation-reduction-act-and-medicare/medicare-drug-price-negotiation

For More Information:
To access the CMS announcement, click here.

For a comprehensive fact sheet from CMS about the drugs selected for the Medicare Drug Price Negotiation Program, along with additional details about patient-focused listening sessions, please visit this link.
https://www.cms.gov/files/document/fact-sheet-medicare-selected-drug-negotiation-list-ipay-2026.pdf

For further information about the upcoming listening sessions and the opportunity for written comments, refer to this resource.
https://www.cms.gov/inflation-reduction-act-and-medicare/medicare-drug-price-negotiation-program-patient-focused-listening-sessions

For in-depth insights into the Medicare Drug Price Negotiation Program, explore further here.
https://www.cms.gov/inflation-reduction-act-and-medicare/medicare-drug-price-negotiation



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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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SB 770- Bill to Finance a State-run Healthcare System Advances to Assembly Appropriations Committee

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SACRAMENTO, CA – Jun 30th 2023 – The Sacramento Association for Health Underwriters (SAHU) would like to extend its gratitude to all its dedicated members who actively participated in NABIP’s Operation Shout to oppose SB 770, a bill aimed at financing a state-run health care system in California.

Despite the tremendous efforts and numerous communications from CAHIP members, SB 770, which seeks to advance Single Payer Health Care system in California, has successfully passed the Assembly Health Committee and is now progressing to the Assembly Appropriations Committee.

If enacted, legislation would establish a workgroup with the goal of petitioning the federal government to redirect significant funding, potentially amounting to hundreds of billions of dollars, from Medicare and Medi-Cal.  The intention behind this redirection would be to support the implementation of a state-run health care system, which has yet to undergo comprehensive testing, including an assessment of its potential costliness.

SAHU kindly urges all its members and non-members to take the time to review the details of SB 770. You can find the fully written Bill here: https://leginfo.legislature.ca.gov/faces/home.xhtml

We encourage you to talk to your Assemblymember about the potential implications it may have.  If you would like to join SAHU in expressing opposition, we invite you to visit the following link https://nabip.quorum.us/campaign/48542 and participate in Operation Shout. Your voice holds significance, and your participation can potentially contribute to the outcome of this bill.

If you are not a member of SAHU, click here- https://sahu-ca.com/benefits to learn more about our great organization and how you can join.

If you are interested in supporting our PAC contribution, click here: https://www.efundraisingconnections.com/c/CAHUPAC/

In the coming weeks, SAHU will diligently provide updates on the progress of SB 770 in the Assembly Appropriations Committee. We assure you that we will keep you informed of any developments as soon as the information becomes available, with the latest update expected no later than September 1, 2023.

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For over 30 years, SAHU has worked to improve our members’ ability to meet the health, financial and retirement security needs of all Californians and Americans through education, advocacy, and professional development. For more information, please visit: sahu-ca.com. 

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