Presidential Board Members:

Denny Bass 
Hub International Gulf South

John Beaugh
John Beaugh & Associates

Victoria Braden
Braden Benefit Strategies, Inc.

Bill Chapman
The Chapman Group

Steven G. Cosby, MHSA
Cosby Insurance Group

Sandy Davis
Louisiana Business Resources

Kerry Drake
Bancorp South

Jack Duvernay
Independent Agent

John Fischer
Health Insurance Store

William Foster
Health Plans of Louisiana, Inc.

Wayne Francingues, Sr.
Gallagher Benefit Services

Trish Freeman
The Insurance Lady 

Chris Garrett, Chairman
Garrett and Garrett

Charles Giardina
Charles Giardina Insurance

Alan Gregory
Gregory and Gregory

Mitzy Gregory
Gregory and Gregory

James Huckabay
LA Group Insurance

Dan Jumonville, CLU 
Group Insurance, Incorporated

Chris Lapeyre, RHU

Quentin L. Ledford, ChFC, RIA
AFC-MD Benefits Consultants

James S. Mallia
Dwight Andrus Insurance

Don Massad
The Massad Group/Massad Olinde

Jay McGuire
Benefits Advisory Group, LLC

Jeffrey R. Miles, CHRS
The Miles Organization, Inc

Joe Morton
Group Brokerage, Inc. 

William O. Quinlan
Regions Insurance, Inc.

Chard Richard
Gallagher Benefit Services

Eldridge Robichaux

George Rosenbohm, III
Total Ins. Planning Services

Bridgette Rushing

Angie Surra 
St. Mary's Insurance

Ann Trichel
Thomas & Farr

Tracey Wells
Reeves, Coon and Funderburg Insurance

Health Agents for America, Inc.
Dedicated and Determined to Make a Difference!

Health Agents for America, Inc. "HAFA"

An Above Average Crowd

Providing YOU with the Tools for Success!

 A Voice to FIGHT for Agent issues!

Health Agents for America, Inc. “HAFA”, is a 501©6, bi-partisan exclusive association for 
Independent, Non-Captive Insurance Agents.

 HAFA was formed in November 2012 to answer a need for Independent Agents to have exclusive representation, in order to address matters such as commissions, the ACA and our inclusion in the Marketplace.


 To provide continuing education, training, information from States and Federal Government (real-time), on-going support, a VOICE and
a place at the table for 
 Independent Agents across America.

 HAFA’s national exposure has made the website’s “Find an Expert” an important component of the HAFA membership package.

 HAFA’s main office and President/CEO, B. Ronnell Nolan, HIA, CHRS is located in Baton Rouge, LA.  HAFA’s Senior VP, Michael J. Keegan, CHRS is located in Washington, DC. 

 Because of the bi-partisan nature of HAFA and strong ties across party lines, both in Washington and in State Government, HAFA finds creative solutions to problems. 

 HAFA is small enough to offer personal service and powerful enough to lead successful campaigns. HAFA’s President/CEO is available to support our HAFA Members 24-7.

 The HAFA Agents Brings Value to their Clients!



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Health Agents for America, Inc. "HAFA"

Chairmen, Charles Giardina & Peter Maunoir

Invite you to join us in the beautiful French Quarter 

New Orleans, Louisiana to experience the

2015 HAFA Agent Summit! 

Health Agents for America, Inc.

Preparing you for 2016 - AGENT/BROKER SURVIVAL!

You must decide to make changes to survive in 2016!

Early Registration & Room Block Ends 7.13.15

For CE Purposes, those Agents in States other than: Alaska, California, Florida, Louisiana must register by 6.15.15 to guarantee CE

August 13 & 14, 2015

The Beautiful & Historic Hotel Monteleone

Thursday, August 13, 2015

Registration & Coffee - 7:00AM-8:00AM

Conference Begins at 8:00AM

Lunch is included & will be a Working Lunch

Thursday's Session Ends:  5:00PM

Attendee Options:

*CE Credits Only

*CE Credits & CHRS Designation

*CE Credits & CHRS Re-certification

Thursday Guest Speakers

Dr. Bill Cassidy 

US Senator from Louisiana

Dr. Bill Cassidy is a Senator from Louisiana. He is a physician, a teacher, a community leader, a father and a husband.  Bill grew up in Baton Rouge, Louisiana and attended Louisiana State University (LSU) for undergraduate and Medical School.

For nearly three decades, Bill has provided care for uninsured and underinsured patients in Louisiana’s charity hospital system.  In 1990, Bill joined LSU Medical School following his tenure at Earl K Long hospital, where he taught medical students and residents while treating the uninsured. 

Senator Cassidy is filing the Equalizing the Playing Field for Agents & Brokers Act.  He will be joining us via video stream.

James "Jim" Donelon

Commissioner of Insurance from Louisiana

Prior to becoming Commissioner of Insurance, Jim Donelon served the Louisiana Department of Insurance in leadership positions as Chief Deputy Commissioner and Executive Counsel.  He was a Jefferson Parish Council Chairman & a State Representative.

Jim was born in New Orleans.  He is a graduate of Jesuit High School, the University of New Orleans & Loyola School of Law.  Commissioner Donelon retired as the State Judge Advocate after 33 years of service in the Louisiana Army National Guard.

Jim is immediate past President of the National Association of Insurance Commissioners' (NAIC).  He serves on the Executive Committee of the NAIC and is chairman of its Surplus Lines Task Force.

James "Jim" Napoli


Seyfarth & Shaw, LLP

James R. Napoli is a partner in the Employee Benefits practice group in the Washington, D.C. office of Seyfarth Shaw LLP.  For nearly 20 years, Mr. Napoli has counseled employers on all aspects of their employee benefit programs, including health care reform implementation and litigation, ERISA litigation, and all matters affecting tax-qualified retirement plans. His practice also focuses on advising businesses on executive compensation plans, group health plan issues, and on a variety of high level matters related to employee benefit program design, implementation and administration. He has handled numerous retiree medical issues, including multi-billion dollar matters, for employers within the automotive manufacturing, entertainment, steel, hospitality, medical, and transportation industries.

Tentative Thursday Agenda

Fiduciary Fundamentals & Risks:  Understanding Your Responsibilities (and Liabilities)

Understanding PPACA starts with a basic understanding of what ERISA requires.  After all, existing rules under ERISA formed the building blocks for health care reform.  Moreover, an inadvertent ERISA or PPACA violation could expose the plan or its fiduciaries to massive liability.  This session will cover background information intended to help form a basic understanding of ERISA principles, including:

  • What is a welfare benefit plan
  • What is a “group health plan”
  • Exceptions in for HIPAA excepted benefits and retiree only plans, and other common exemptions
  • What are the plan document and participant communication requirements for welfare plans
  • What claims and appeals requirements apply to ERISA group health plan
  • What penalties apply for ERISA violations and how are these penalties incorporated for violations of PPACA
  • Recent changes to claims and appeals due to the ACA
  • Penalties for noncompliance

ACA Practical Considerations & Litigation Avoidance

As employers struggle with technical compliance, there are a number of litigation hazards that must be considered in implementing PPACA.  From employee communications to the provision of mandated benefits, employers and ERISA plan fiduciaries have litigation exposure under PPACA.  Moreover, as employers realign their workforces to avoid a penalty under PPACA’s employer mandate, they may be opening themselves up to a significant litigation downside that includes awards of special damages, emotional distress, back pay, reinstatement and other remedies.  In this seminar you will learn:

  • The causes of action available to employees seeking mandated benefits and strategies to avoid those actions
  • Claims to mandated benefits
  • How to develop an employee communication campaign that addresses key PPACA concerns while avoiding unnecessary litigation exposure
  • The litigation risks inherent with “workforce realignment” and how to minimize those risks
  • How to develop an audit and settlement strategy

Strategically Communicating with Employees about Healthcare Reform ~ What They Don’t Know Can Hurt You

The Affordable Care Act creates a whole host of new employee reporting and disclosure requirements. It also provides employers with a good opportunity to demonstrate to employees the value of the benefits they are receiving. Active coordination and participation between both parties will create a more efficient ease of transition in this significant reform adaptation period. In this session, you will learn:

  • How to determining where you are in the communication process
  • What notices are required (including the SBC, the annual limit waiver, the grandfathered notice, and W-2 reporting) 6055 and 6056 reporting
  • What the timing requirements are for these new notices
  • The penalties for failure to report
  • When electronic communication makes sense
  • Strategic opportunities presented by the Affordable Care Act notice requirements Issues with delivery, can you send out electronic versus hard copy documentation

Legalities of Implementing Wellness Into a Self Funded Plan

This session will outline the key legal requirements that need to be considered when planning to implement a corporate wellness program.  The rules and regulations required by HIPAA and ADA will be addressed, as well as the impending changes brought about by PPACA.  The session will provide the knowledge and guidance needed by first time – and long time – managers of corporate wellness programs.

A Deep Dive Look at Employee Measurement and Stability Periods 

This session will take a deep dive into the employer mandate, exploring whether or not the business is subject to the employer mandate including how this is measured and other factors that affect the determination.  This session will go deep into controlled groups and take a specific look at the measurement and stability periods including:

  • Controlled Group Rules including aggregation under Controlled Group Rules
  • Parent –Subsidiary Controlled Groups
  • Brother-Sister Controlled Groups including Combined Parent-Subsidiary and Brother-Sister Groups
  • Rules Associated with Family Attribution
  • Counting Hours of Service and Special Rules for Employees of educational organizations, Volunteers and Student employees
  • Measurement & Stability Periods
  • Special Rules for Breaks in Service 

Thursday Evening Reception

All Attendees & Sponsors are invited to join us at Spirits on Bourbon (as seen on the TV Show "Bar Rescue") for a reception filled with fun & libations!

Friday, August 14, 2015

Registration & Coffee - 7:00AM-8:00AM

Conference Begins at 8:00AM

Friday's Session Ends:  Noon

Friday Guest Speakers

Dr. Kristin L. Kahle, CHRS, DBA, MBA, BA

Founder & CEO


In 1990, Kristin began her insurance career as a sales management team member with John Hancock Insurance Company in Boston. Since then, she has served in a variety of capacities for companies including Leavitt Group (National Restaurant Division, vice president) Plenary Insurance Services (vice president), Intercare Insurance Services (vice president), SFG Benefits Insurance Services (vice president of marketing and operations) and Lincoln Life Insurance Company (employee benefit and client services manager).

Today, Kristin is the founder and CEO of NavigateHCR., a company that is focused on Healthcare Reform (HCR) compliance solutions for brokers and employers. She founded the business with one goal in mind, “Making Healthcare Reform Compliance easy”. Kristin spent 20+ years as a benefits broker and has always been dedicated to educating her groups and helping them develop best practices. These solutions range from a compliance communications and notification service, to Benefits Eligibility Tracking, and IRS Reporting System.  Kristin also has a consulting practice that helps brokers understand Health Care Reform. 

Kristin is a nationally recognized speaker for insurance advisors as well as employer groups.  She spoke in 2014 at the Benefits Selling Expo in Colorado Springs, as well as at the Most Influential Women in Benefits Advising, where she also earned an award in October 2014. Additionally, she will be speaking at the Benefits Technology Summit for benefitsConnect, in 2015.

Kristin recently received a Doctorate in Business Administration (DBA) from Argosy University.  Her dissertation was on Health Care Reform of which she was the first Doctorate candidate to write about this timely topic. Kristin is also a Certified Healthcare Reform Specialist (CHRS). In addition, she holds a Master of Business Administration (MBA) from University of Phoenix and a Bachelor of Arts (BA) in Business Administration from Pine Manor College in Chestnut Hill, MA, where she holds multiple records in both rebounds and scoring for the Pine Manor Gators, being the only female basketball player to hold over 1000 points and over 1000 rebounds.

Wayne Sakamoto


Health Insurance Interactive, Inc. 

Wayne Sakamoto is the President of Health Insurance Interactive, Inc., a holding company of over 200 insurance related portals providing personalized and online health insurance services to businesses and individuals, in Florida, the US, and worldwide. As an independent agent and Internet entrepreneur, Wayne has launched successful health insurance websites, such as and, the later which was recently sold in 2014 to a Technology Company. One of his sites, www.Travel won

a Florida Addy Award.  

Wayne was named “Insurance Person of the Year” by the Florida Association of Health Underwriters and received the 2014 David Saltzman Award for Journalism. He also served on Collier County’s Health & Human Services Committee identifying health care resources for the indigent population and addressing concerns regarding the delivery of healthcare services in Southwest Florida.

Currently, he is the Communications Chair for the Florida Association of Health Underwriters and a proud HAFA member. He is a past Media Relations Chair for the National Association of Health Underwriters and a Past President of the Florida Association of Health Underwriters.

Wayne is very dedicated to an active training schedule as an endurance athlete. He is an accomplished athlete completing the Boston Marathon and multiple Ironman races. His training has inspired other health agents to participate in running events and triathlons while promoting an active lifestyle. Besides competing this year in the Raleigh 70.3 Half Ironman & Ironman Lake Placid, he plans on running in the 2015 NYC Marathon. 

Michael J. Keegan, CHRS

Director, Policy & Regulatory Affairs at National Community Pharmacists Association

Public Affairs Consultant at Health Agents for America, Inc.

Experienced government affairs professional with a demonstrated history of advancing legislation, corporate initiatives and lobbying strategies in the healthcare and financial services industries. An enthusiastic advocate and policy expert with a track record of 

outstanding teamwork and collaboration skills. Excellent communicator and relationship builder both internally and externally with diverse audiences including senior management, government officials, and stakeholders.

Specialties: State and federal lobbying, Public speaking and effective presentations, Media relations, Strategic communications, Healthcare finance and economics, 

Financial services regulation

St Mary's Insurance Agency

General Manager of St. Marys Insurance Agency, Inc in St. Marys Pennsylvania with a total of   six locations and 40 employees.  Obtained the following professional insurance industry designations: Certified Insurance Service Representative (CISR), Certified in Long Term Care (CLTC), Certified Insurance Counselor (CIC), Certified Healthcare Reform Specialist (CHRS) and Certified Corporate Wellness Specialist and is licensed for Property, Casualty, Life, Accident, Health Insurance, Series 6 and 63 Securities Licensing in Pennsylvania, Property & Casualty Non‐ Resident License for New York.  I have been in the insurance business and with St. Marys Insurance since 1997.

Jeff Miles, CHRS
The Miles Organization, Inc.
Offices in Los Angeles & Nashville

Jeff Miles is a 36-year veteran of the healthcare & insurance industries, acting as consultant, broker, and plan administrator for employer plans as President and Founder of The Miles Organization. 

In 2007, famed Washington-insider and columnist Robert Novak pronounced that “Jeff Miles… is an oracle of health care!”

We are the exclusive broker for AICP's "Producers Health Benefits Plan", and Cast & Crew's "Open Health" plan along with our partner, The Henehan Company.

Don Massad, Jr - LUTCF, CHRS, aka "The Insurance Neurosurgeon"

President of the Massad Group & Managing Partner of Massad Olinde

Don Massad Jr. is president of The Massad Group and a managing partner of Massad Olinde. Both agencies serve the Gulf Coast area and have operated with more than 43 years of combined experience. Don specializes in benefits administration, consulting compliance and strategic planning for clients of all industries.

With the help from a team of dedicated professionals, along with human resource tools, Don delivers the highest level of personal attention to designing and managing a competitive benefits package with innovative solutions to meet clients’ corporate goals and employees’ needs. He uses a hands-on, proactive approach when implementing his customized benefits package.

Driven by his desire to set clients apart, Don provides his clients with a competitive edge in their market. In addition to his experience and expertise, Don has created a communication and management system designed to relieve clients of standard administrative tasks.

Tentative Friday Agenda

  • Practice Management for Health Agents - The Successful Use of Social Media:  Wayne Sakamoto, President - Health Insurance Interactive, Inc. 

         Many of America’s best insurance agent and benefit broker are managing their business

           at various levels of intensities. Yet many agents have not thought much about the

           future of how they plan to manage their customers’ expectations in the new era of

           healthcare reform and Millennials. This CE session will be an interactive presentation

           on best practices & practice management for insurance agents focused with employee

           benefits. The focus will be heavily engaged in the area of technology, security, cloud

           based computing. With an enormous amount of technological choices, the importance

           of productive insurance agents & benefit brokers attending this session will allow them

           provide feedback of their experiences with the vendors of choice – as it relates to

           customer satisfaction and effective workflow.  And even basic essentials of starting

           with a clean office, creating a solid pipeline of opportunities, to scheduling on a

           workout somewhere in the day will be important ingredients to the mix of the work


  • Taking the Pulse of Washington - Discussing the Supreme Court Decision:  Michael J. Keegan, CHRS  - Director, Policy & Regulatory Affairs at National Community Pharmacists Association & Public Affairs Consultant at Health Agents for America, Inc. 
  • What do Agents Need from Carriers/CMS/the Marketplace - A Round Table Panel Discussion:  Facilitator, Michael J. Keegan.  Panelist: Angie Surra - HAFA-PA; Jeff Miles - HAFA-CA/TN, James Napoli, Attorney, Dr. Kristen Kahle - Dr. ACA, Don Massad - HAFA-LA. A representative from CMS has been invited.

             Feel free to submit your questions/comments in advance for the Summit.  The panel

             will represent successful Agents/Brokers from across the country, an Attorney and a

             CMS representative has been invited.  Discussion will surround, the branding of the

             Agent/Broker, how to we succeed post ACA, tricks of the trade, rebating, legal fund,

             commissions and anything else you would like to discuss.

  • ACA Compliant or Complacent? Dr. Kristin L. Kahle, CHRS, DBA, MBA, BA

    Founder & CEO - NavigateHCR

            Learn about Employer Shared Responsibility- 4980H A and B; the DOL Audit               Checklist and Guidelines; ACA Rules of the Road- establishment of plan within the                   guideline of the Affordable Care Act; Model Language Notices and Communications

            to Employee and Employer; IRS reporting Functionality.


Register Today

(Summit Applications can be found on the HAFA website)

Diamond Sponsor - $5,000 

Platinum Sponsor - $3,000

Gold Sponsors - $2,000 

Silver Sponsors - $1,000


Bronze Sponsors - $250

Pan-American Life Insurance

Angie Surra, St. Mary's Insurance Agency
HCC Medical Insurance Services
Louisiana Drug Card
Oceans to Oceans Medical Services

Hotel Information

Host Hotel:      The Historic and Beautiful - Hotel Monteleone

Room Rates:    $149 per night

To Reserve:      1-800-217-2033 

Code:                  Health Agents for America "HAFA"                   

Block Ends:      July 13, 2015

Event Parking: $15 daily rate or $27 overnight rate


EARLY BIRD Registration by 7.13.15

[ ] $350 – Early Bird HAFA Members – Full Conference Registration

[ ] $500 – Early Bird Non-Members – Full Conference Registration & HAFA Congressional Membership

[ ] $450 – Early Bird HAFA Members – Full Conference Registration & CHRS re-certification designation

[ ] $600 – Early Bird Non-Members – Full Conference Registration, HAFA Congressional Membership &

             CHRS re-certification designation

[ ] $550 - Early Bird HAFA Members - Full Registration & CHRS designation

[ ] $700 - Early Bird Non-Members - Full Registration & CHRS designation

LATE Registration by 7.13.15

[ ] $450 – HAFA Members – Full Conference Registration

[ ] $600 – Non-Members – Full Conference Registration & HAFA Membership

[ ] $550 – HAFA Members – Full Conference Registration & CHRS re-certification


[ ] $700 – Non-Members – Full Conference Registration, HAFA Congressional Membership & CHRS re-

            certification designation

[ ] $650 - HAFA Members - Full Registration & CHRS designation

[ ] $800 - Non-Members - Full Registration & CHRS designation

[ ] $30 – Extra Ticket to HAFA Reception on Thursday night

[ ] $50 - State, Federal Legislators and/or Staff


Health Agents for America, Inc.

P O Box 65128

Baton Rouge, LA  70896

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