URBAN CALL — HEALTHY LIVING EVERY DAY!
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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 to be claimed as a dependent on tax returns, may be married and do not have to be enrolled in school). *Individuals will no longer be subject to exclusions for
Inside...
Mentoring Champions & Diabetes Awareness
Beyonce
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Income key to insurance costs
Oprah Winfrey
New Pres./CEO
Magic Johnson
Dr. Tunde Sotunde
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preexisting conditions and cannot be denied coverage. Preventive care and medical screenings are covered in network at 100%, with no cost to you. *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 *Policies may only be rescinded for fraud or intentional misrepresentation
3 $100,000 Mini-Grants
Have you recently lost your employer health insurance or do you anticipate losing it in the near future. If so, you may be able to get affordable insurance right now through the Affordable Care Act (Obamacare). Although the time to enroll in health insurance for most people is November 1 through December 15 each year, there are a few exceptions, called special enrollment periods, or SEPs Most people who lose their employee sponsored health insurance will qualify for an SEP. However, individuals must enroll in a new health insurance plan within 60 days before or after they lose their employer insurance. Any licensed, certified health insurance agent, such as the ones pictured on page 3, can help you understand all of the SEP details and enroll in a plan.
on the part of the applicant. Americans are required to buy health insurance. For those who can’t afford it on their own, subsidies are available to people who meet eligibility criteria. *Premium subsidies will be provided to lower the amount of premium the individual or family must pay for their coverage on a month-to-month basis. *Cost-sharing assistance will limit out-of-pocket costs (i.e., deductibles, coinsurance or copayments) that would otherwise be charged at the point of service. In order to obtain health insurance subsidies an individual must be a citizen or national of the United States, or a lawfully present immigrant who files a tax return. If they are eligible for Medicaid or Medicare they generally will not need other insurance coverage.
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AHA Awards
Sandra Miller Jones
SMSi Healthy Living Solutions, Inc. Founder & CEO
Lafayette Jones
Publisher, Urban Call; SMSi-Urban Call Marketing, Inc. President & CEO
From our family to yours... If the Coronavirus pandemic results in a 10+% unemployment rate, as some analysts expect, 15 to 21 million people could lose their health insurance. People who lost or expect to lose their job-based health insurance may be eligible for coverage under the AFFORDABLE CARE ACT (Obamacare) based on an existing SPECIAL ENROLLMENT PERIOD (SEP) provision. Contact a certified licensed insurance agent to learn more.
Please refer to the income table on page 2 to find more information. Call: (336) 759-7477 E-mail: SMSiPartners@smsi-net.com For more information about SMSI Marketing and Urban Call Communications Companies, which serve multicultural consumers, visit urbancallpodcast.com. For a digital copy of Urban Call, visit http://Issuu.com/SmsiUrbanCallMarketing.com
URBAN CALL — HEALTHY LIVING EVERY DAY!
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Income figure key to lower insurance cost HOUSEHOLD SIZE
100%
133%
138%
250%
400%
1 2 3 4 5 6 7 8
$12,760 $17,240 $21,720 $26,200 $30,680 $35,160 $39,640 $44,120
$16,612 $22,490 $28,369 $34,248 $40,126 $46,005 $51,883 $57,762
$17,236 $23,335 $29,435 $35,535 $41,634 $47,734 $53,834 $59,933
$31,225 $42,275 $53,325 $64,375 $75,425 $86,475 $97,525 $108,575
$51,040 $67,640 $85,320 $103,000 $120,680 $138,360 $156,040 $173,720
For families/households with more than 8 persons, add $4,320 for each additional person. Note: Eligibility for premium tax credits in coverage year 2021 is based on poverty guidelines for 2020.
Dr. Tunde Sotunde elected president & CEO of BCBSNC
The SMSi Companies Corporate Offices 51 E. Fourth St., Suite 1702 Winston Salem, N.C. 27101-4257 Office: (336) 759-7477 Fax: (336) 941-3547
SMSi & Urban Call Community Outreach Office Goler CDC Center 899 North Liberty Street Winston Salem, NC 27101 Office: (336) 759-7477
Issuu.com/Smsiurbancallmarketing.com SegmentedMarketing.org n
SMSi-Urban Call Marketing, Inc. President and CEO; Urban Call Publisher: Lafayette Jones Executive Editor: Alan Cronk Production Manager: Jodi S. Sarver Digital Services Director: Jimmy Davies, Every.Black
Video Production Manager: Chris Downey Photographer/Videographer: Donevan Cherry, CherVeli Media Financial Services: Roslyn Hickman Warehouse, Collation & Shipping Manager: Vincent Harris
SMSi Healthy Living Solutions Inc. SMSi Founding Chair and CEO: Sandra Miller Jones National Project Manager: Constance Baker Harris National Logistics Manager: Camille Allen Director, Financial Services: Roslyn Hickman
Agent Ambassadors: Charlie Bethea, Alvin Borders, Yvette Canty, Constance Baker Harris, Talaya Loyd, Sharon Lyles, Natalie Nicholson, Debra Shore, John Wall
SMSi Community of Networks
Blue Cross and Blue Shield of North Carolina’s Board of Trustees elected Tunde Sotunde MD, MBA, FAAP as its new President and CEO. “Dr. Sotunde has a remarkable record of leadership and accomplishment,” said Trustees Chairman Frank Holding. Dr. Sotunde said, “I’ll bring the perspective of a physician, a patient and health plan leader to our work alongside our employees every day to help
Dr. Tunde Sotunde, president & CEO, Blue Cross and Blue Shield of North Carolina
make health care better, simpler and more affordable. My family and I look forward to calling North Carolina home and serving its vibrant communities.” Dr. Sotunde previously served as President, Medicaid Business Unit, of Anthem Inc.’s Government Business Division. He oversaw Anthem’s Medicaid and related state government business across 23 states and the District of Columbia with 7.3 million members and $33 billion in revenue, Dr. Sotunde is a graduate of University of Ibadan College of Medicine in Nigeria (1988) and Howard University’s Hospital Residency Program in Pediatrics (1995). He completed his Executive MBA at the University of Memphis (2001) and studied health care management at the Wharton School of Business (2003).
only time to enroll in a health Glossary of terms the insurance plan or switch to a new plan. A few exceptions apply
health plan. Pregnancy and genetic information are not considered pre-existing conditions.
Health Insurance Marketplace: An online insurance marketplace where individuals can compare, shop for and buy qualified health insurance plans. Also known as an “Exchange.”
Premium: The amount paid to keep an insurance policy active. Premiums are separate from other health insurance out-of-pocket costs, like copayments, deductibles and coinsurance.
Pre-Existing Condition: A 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
Subsidy: A tax credit or a cost-sharing reduction to assist individuals purchasing insurance. They are based on income levels, household size, and access to other affordable coverage.
Health Care Reform has its own language. Here are common terms:
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. Deductible: The amount you owe for certain covered services during a benefit period before your health insurance begins to pay. Enrollment Period: Generally
URBAN CALL — HEALTHY LIVING EVERY DAY!
Meet the SMSi ACA Licensed and Certified Agent Team Here is the team of experienced Agent Ambassadors who are available at no cost to help you get health insurance now and to be your agent year round. All team members are fully licensed by the state and certified by the federal government to provide expert assistance.
Mentoring champions
Athlete and Entrepreneur ’s Magic Johnson s raises funds for n a single-disease communitybased organizations dealing with HIV/AIDS education and prevention programs. Media Star & Owner Oprah Winfrey uses her personal money to fund education, learning and leadership development projects for youth globally. Entertainers Beyoncé and JAY-Z are giving $1.1 million to Boys & Girls Clubs of America for college to change teenagers’ lives.
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AHA, BCBSNC award $100,000 in mini-grants Constance Baker Harris (336) 965-4140 constance harris@live.com
Charlie Bethea (336) 414-0032 bfsinsureme@gmail. com
Alvin Borders (336) 987-1256 bordersalvin@yahoo. com
Yvette Canty 336-491-4552 ycanty62@gmail. com
Sandra Miller Jones (336) 414-0905 smjones@ smsi-net.com
Natalie Nicholson (336) 624-3183 natnic25@gmail. com
Sharon Lyles (336) 422-0224 SharonKLylesBusiness @gmail.com
Debra Shore (336) 813-2049 shoreweb@ bellsouth.net
John Wall (704) 905-4451 jfwall50@ hotmail.com
Talaya Loyd (336) 734-9196 taloyd5@gmail.com
Goodwill, Beauty World outreach for insurance sign-ups SMSi and Urban Call Marketing Partners, two minority-owned companies, have partnered with Goodwill Industries of Northwest North Carolina Inc. and Beauty World retail outlets in Forsyth County, Raleigh-Durham and Greenville to help people sign up for affordable health insurance. “Ultimately, our goal is to make sure those who want and need affordable insurance have it,” said Lafayette Jones, president of SMSiUrban Call Marketing and publisher of Urban Call (Issuu.com/Smsiurbancallmarketing.com).
Charlotte-Mecklenburg: • Camino Community Center (2 mini-grants w/one focusing on COVID-19) • Care Ring (COVID-19 focus) • Charlotte-Mecklenburg Food Policy Council • McLeod Addictive Disease Center, Inc. (COVID-19 focus) • Time Out Youth Center • Union County Government Triangle: Raleigh-Durham: • Durham County Health Department (COVID-19 focus) • Farmer Foodshare (COVID-19 focus) • Holly Springs Food Cupboard • Inter-Faith Food Shuttle (COVID-19 focus) • Josephine Dobbs Clement Early College High School • SEEDS (COVID-19 focus) • Shepherd’s Care Medical Clinic • The Hope Center at Pullen, Inc. • WakeUP Wake County
The Every.Black Entrepreneur Podcast Network The Every.Black Entrepreneur Podcast Network is a small business owners coalition using decades of experience to educate and create wealth through entrepreneurship, technology and strategic global networking. The network regularly airs 19 shows monthly reaching thousands listeners in 30 countries. One of the weekly podcasts, The Healthy Entrepreneur radio show, which addresses the health concerns of entrepreneurs, interviewed founder Sandra Miller Jones of Healthy Living Solutions, Inc., a 40-year-old Marketing Company, on the Affordable Care Act (ObamaCare) benefits. Access the podcast at www.Entrepreneurship.Black.
The American Heart Association and Blue Cross and Blue Shield of North Carolina (Blue Cross NC) announced 27 community health minigrant awardees, totaling more than $100,000. These community organizations and companies will be working to improve heart health among North Carolina’s most at-risk population.
Jimmy Davies Founder, Every. Black
Tiffany Parker, Host, The Healthy Entrepreneur
Triad: Winston-Salem, Greensboro, High Point • Cobblestone Farmers Market (COVID-19 focus) • Cone Health • Guilford Community Care Network (COVID-19 focus) • Imprints Cares • Magnolia House Foundation, Inc. • Neighborhood Markets, Inc. • New Jerusalem Missionary Baptist Church • Out of the Garden • SMSi Healthy Living Solutions, Inc.
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URBAN CALL — HEALTHY LIVING EVERY DAY!