2017-09-07 / Business News

Chenoa Dall

Employee benefits producer, BB&T - Oswald Trippe and Company

Chenoa Dall Chenoa Dall Keeping clients informed and in compliance about health care


NAME: Chenoa Dall

TITLE AND COMPANY: Employee benefits producer. BB&T - Oswald Trippe and Company



NATURE OF BUSINESS: Health Insurance

EDUCATION: B.A History. M.A. Diplomacy

HOMETOWN: Rutland, Vt.

What is the most significant change you’ve seen in your industry over the last year?

Without question it’s the future of the Affordable Care Act and the whole Repeal and Replace discussion. Replacement legislation began with President Trump’s Executive Order on the ACA. The first replacement legislation was called the American Health Care Act and it was pulled before a Senate vote. Its counterpart is called the Better Care Reconciliation Act of 2017. Whatever name is finally attached to Repeal and Replace, it’s the job of your health insurance agent to keep you informed and in compliance.

What improvements, innovations or changes do you foresee in your industry?

Regardless of what the Repeal and Replace final legislation looks like, the factors that are taken into account in determining your premiums are not likely to change from the ACA. Carriers can no longer use health status, past insurance claims, gender or occupation. Those factors have largely been replaced by your age, family size, geographic area and tobacco use. It is expected that both the individual and the employer mandates will be eliminated. That means you won’t be penalized for not having health insurance. What can you do? See if a high deductible health plan with a health savings account would work for you. If you have an opportunity to do so, participate in a wellness program. Use Telemedicine if available. Ask your doctor if generic drugs are available and use mail order pharmacy programs.

How are you responding to changes in the local economy?

The cost of health care is rising much faster than the cost of inflation. In 2016, the average monthly cost of insurance premiums for an individual was $393. For a family $1,021. According to a Willis Towers Watson survey, the employer and employee total cost for insurance this year will approach $13,000. The number one cost driver is specialty drugs, specifically, biologics. As a result, more and more employers will be changing benefit contribution strategies resulting in employees contributing a higher percentage of the cost.

What are things you’d like to change about your industry now? Your organization or business?

From a health insurance standpoint, I would like to see a greater emphasis on wellness which over time, could lead to improvement in the overall cost of medical care arising out of chronic conditions.

What’s your superpower?

Using my teaching background, I am able to translate very technical information (like the Affordable Care Act) into basic terms that my clients and prospects can understand.

How is social media impacting your industry or business this year? What’s in store for 2018?

Social media helps me keep up with my industry, my clients and my prospects. I use LinkedIn on a daily basis. I know that most of my clients checked me out on LinkedIn before deciding to do business with me.

How are you using technology to improve your business?

I see my job as knowing what technology is available and then matching that technology to my clients based on their needs and goals. My clients want paperless technology and sometimes insurance can be a very paper-intensive business. I sell insurance but I also help to modernize my clients with 21st century technology.

How are you growing and developing your employee skills?

My background is teaching. I was amazed at the volume of professional education you need to be good at selling insurance.

It’s a life-long process. If you stop learning, you stop growing and cannot be a trusted advisor to your clients. We have to be licensed by the state. We are required to take continuing education. We are strongly encouraged to take and earn professional designation course work and because we are part of the BB&T family, we take about 15 internal courses on an annual basis to include ethics training, information security, data protection, HIPAA and other related coursework.

What wise words would you tell young people entering the work force today?

Insurance can be a great way to make a difference in our community. It has allowed me to get involved with Harry Chapin on the Hunger Walk Committee; Lighthouse of SW Florida Dining in the Dark; Arts for ACT; American Heart Association Heart Ball; and the Ronald McDonald Storybook Ball. ¦

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