News & Announcements
04
On May 4, 2017, members of the U.S. House of Representatives voted 217-213 to pass the American Health Care Act (AHCA), after it had been amended seve...

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02
If you do not have health insurance, or if your prescription medication is not covered by your health plan, download the Brown & Company PharmSav ...

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24
Let Brown & Company ease the headaches of open enrollment, new hire onboarding and benefits administration. We would love to share the BerniePorta...

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08
Have you noticed a proliferation of Freestanding ERs around town? Be aware that while these are convenient, they are most likely not in your insurance...

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23
Judge Blocks Overtime Rule Set to Take Effect 12/1/16
Judge Blocks Overtime Rule Set to Take Effect December 1 On Tuesday, November 22 a federal judge issued a nationwide injunction blocking the U.S. Dep...

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21
IRS Extends Due Dates for 6055 and 6056 Reporting

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15
DOL Overtime Rule Changes - Be Prepared
Do you have questions about the recent change to the Department of Labor (DOL) Overtime Rule? See the attached flyer or watch a helpful webinar posted...

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23
Make Compliance Manageable

Making compliance manageable is easier than you think.

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17
Brown & Company Insurance Services provides exclusive access to the CRC (Client Resource Center) featuring the HR360 library of information &...

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22

Age Rate Methodology Change

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02
Our office will be closed on Friday, April 3rd. We wish each of you a Happy and Blessed Easter!
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04
Don't forget to Spring forward
Daylight saving time begins this Sunday, March 8th @ 2AM.  Set your clocks forward one hour before you go to bed on Saturday Night, March 7th!!
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25
A special medical insurance enrollment period (SEP) will begin March 15, 2015, and end April 30, 2015, to help consumers avoid tax penalties for not o...

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02
Happy New Year!!
From all of us here at Brown & Company Insurance Service,  Wishing you a happy and magical New Year. We hope it brings you lots of joy and ha...

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23
Merry Christmas and Happy Holidays!!
From all of us here at Brown & Company Insurance Services, wishing you and yours a Merry Christmas!
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26
Happy Thanksgiving!!
From all of us here at Brown & Company Insurance Services, we wish you all a very safe and Happy Thanksgiving!
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13
Congratulations to Monique Morales-Ledezma for celebrating her first year at Brown & Company Insurance! We are so glad to have you and thank you f...

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11
Happy Veterans Day!!
A special "Thank You!" to our Military Men and Women for their Honorable Service to Our Country. Visit the "Field of Valor" this week, sponsored by t...

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14

Disclosure notice for CMS must be completed online annually, within 60 days of the start of the plan year.

Disclosure notice to Medicare Part D eligible individuals must be provided annually, prior to October 15th, which is the start of the Medicare Open Enrollment period.

Visit www.cms.gov for further guidance.

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09

The Better Business Bureau of Bryan-College Station announced the recipients of the 2014 BBB Torch Award for Marketplace Ethics and Brown & Company Insurance Services received the honor in the medium business category! 

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02
The next open enrollment for coverage is November 15, 2014 to February 15, 2014. Have questions about Open Enrollment, special enrollment or your sub...

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25
Please note that Brown & Company will be closed on Monday, September 1st in observance of the Labor Day. We will return to the office at 8 am on T...

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21
Do you need Individual Health Insurance? Don't wait until it's too late! The open enrollment period for 2015 coverage is November 15, 2014 to February...

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03
Please note that Brown & Company will be closed on Friday, July 4th in observance of the Independence Day holiday. We will be return to the office...

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30
Happy Fourth of July!!
How did the Fourth of July become a national holiday? For the first 15 or 20 years after the Declaration was written, people didn’t celebrate i...

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04

The deadline to pay the Patient-centered Outcomes Research Institute fee, commonly referred to as the PCOR fee, is July 31, 2014. For insured plans, the carrier is responsible for paying the PCOR fee. However, for self-insured plans, including HRAs, the plan sponsor (generally, the employer) is responsible for such payment. 


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23
Memorial Day is observed on the last Monday of May. It was formerly known as Decoration Day and commemorates all men and women who have died in milita...

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14
April 15th, is the final day to file your taxes or apply for extension.  Have you ever wondered where the idea of income taxes came from? Read o...

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07
" A day without sunshine is like, you know, night." --Steve Martin Have a Great Week Everyone!! 
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31
After today you cannot sign up for coverage until November 15,2014.  Have questions about Open Enrollment, Special Enrollment of your subsidy eli...

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31
After today you cannot sign up for coverage until November 15,2014.  Have questions about Open Enrollment, Special Enrollment of your subsidy eli...

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24
Do you need Individual Health Insurance? Open enrollment ends March 31st, 2014. After March 31st, you cannot sign up for coverage until November 15, 2...

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17
Open Enrollment ends March 31, 2014. After March 31st, you cannot sign up for coverage until November 15, 2014.  Have questions about Open Enrol...

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10

Special Enrollment Reasons for Changes/Applications after March 31

To enroll in Marketplace (on exchange) and non-Marketplace (off exchange) policies after March 31, applicants will need to meet the qualifications of the Special Enrollment Period. A special enrollment period is triggered by a qualifying event such as marriage, divorce or a move. For those who missed open enrollment and don’t qualify for special enrollment, temporary coverage is another option for coverage until the next open enrollment period begins.

If you have any questions regarding Open Enrollment/Special Enrollment or would like to determine your subsidy eligibility, call Amber at 979-694-6900.

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03
Daylight saving time begins this Sunday, March 9th @ 2AM.  Set your clocks forward one hour before you go to bed on Saturday Night, March 8!!
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24
A child who has juvenile arthritis may develop problems with his or her eyes. The problems may be caused by the disease. In some cases, though, the pr...

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17
It's a good idea to talk to the doctor you're considering as your Primary Care Physician(PCP) before making a decision. Also talk to family members an...

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14
The U.S. Department of the Treasury and the Internal Revenue Service (IRS) issued final regulations Monday, implementing the employer shared responsib...

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10
This is the bottom line: A calorie burned is a calorie burned, whether it’s shed in the morning or at night. What is important: however, is choo...

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03
Is it better to walk a long distance at a slow pace or a short distance at a fast pace?     To get the most calorie burn from ev...

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27
The Affordable Care Act’s (ACA) pre-existing condition exclusion provision prohibits health insurers and employers that provide insurance covera...

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20
“Faith is taking the first step even when you don’t see the whole staircase.” “The ultimate measure of a man is not where he ...

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13
Bad breath, also known as halitosis, may be caused by a number of factors. We all know that pungent foods such as onions or garlic can cause less-than...

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06
We are still in for another hard freeze tonight. Keep those faucets dripping and bring in pets. Stay warm!! I hope everyone is enjoying the new year ...

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31

From BCBS:

Some new members with coverage beginning Jan. 1 may not receive their member ID card before Jan. 1 due to the high volume of new members being processed at the end of the month. Providers will be notified next week about the temporary eligibility verification measures in place to assist them in verifying patient eligibility.

Providers will need the following information to contact BCBS to verify membership and eligibility for services:

  • Subscriber name
  • Patient name
  • Patient date of birth
  • Patient mailing address
  • Last 4 digits of the patient SSN
  • Effective date of coverage

As with any other member, eligibility and benefits may vary depending on the coverage purchased by the member, and it is important for providers to check for eligibility and benefits each time they see a patient.

Source: http://links.mkt2527.com/servlet/MailView?ms=NTk2MzMyNAS2&r=NDUxNjc2Nzk2NzAS1&j=MzU3Mjk1ODA2S0&mt=1&rt=0

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30
Happy New Years!!
From all of us here at Brown & Company Insurance Service,  Wishing you a happy and magical New Year. We hope it brings you lots of joy and ha...

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23
Merry Christmas!! - Let the spirit of love gently fill our hearts and homes. In this loveliest of season may you find many reasons for happiness. ...

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16
Monday, December 23rd is the last day to enroll for individual coverage effective January 1, 2014. Call Amber in our office at 979-694-6900 to receiv...

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27
Happy Thanksgiving
 From all of us here at Brown & Company Insurance Services, we wish you all a very safe and Happy Thanksgiving!
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11

A special "Thank You!" to our military men and women for their honorable service to our country.

Visit the "Field of Valor" this week, sponsored by the Bryan Rotary Club. Click here to learn more.

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06
Do you have questions about the Health Insurance Marketplace? Click here for FAQs about open enrollment, special enrollment and COBRA, brought to you by BlueCross and BlueShield of Texas.

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31
From all of us here at Brown & Company Insurance Services, we wish you all a very safe and Happy Halloween!


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28
Don’t fear the health care reform hype! Call our experienced Individual Health Insurance Specialist to walk through the insurance Marketplace options that fit you best. All of the rules have changed, so even if you were denied coverage previously, starting January 1, 2014, everyone has guaranteed eligibility and no health questions are required. Call 979.694.6900 for a personalized quote. Learn More about the Individual Health Insurance Mandate.

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25
With the new health care reform law, scammers have begun posing as government officials in order to obtain your personal information and steal your identity. Protect yourself by following these steps:

Source: BCBSTX News from the Blues for Producers, October 16, 2013

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18
Average Total Number of Employees (ATNE) – Texas no longer uses “eligibles” when determining if an employer is considered a small gr...

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08

During the month of October, there are races/walks around the nation to remember those that have lost their lives to breast cancer, those still fighting, breast cancer survivors and to raise money to help find a cure for the disease.

In 2013, it is estimated that among U.S. women there will be:

  • 232,000 new cases of invasive breast cancer
  • 64,640 new cases of in situ breast cancer (of which about 85% will be ductal carcinoma in situ, non-invasive breast cancer; lobular carcinoma in situ is a condition that increases the risk of invasive breast cancer)
  • 39,620 breast cancer deaths.

Breast cancer in men is rare, but it does happen. In 2013, it is estimated that among men in the U.S. there will be:

  • 2,240 new cases of invasive breast cancer
  • 410 breast cancer deaths.

Source: http://ww5.komen.org/BreastCancer/Statistics.html

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03
The marketplace exchanges opened to public on October 1st. If you would like to receive an individual quote for January 1, 2014, please contact Amber in our office.

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26

This tool illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). Beginning in October 2013, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges.

http://kff.org/interactive/subsidy-calculator/

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23

BlueCross BlueShield of Illinois--LifeTimes Health & Wellness 2013

Ovarian cancer only accounts for about 3 percent of all cancers in women. But it is the fifth leading cause of cancer death in women. Ovarian cancer is often not detected until later stages, when treatment is much less effective.

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11

If you're shopping for life insurance, you may be asking yourself: "What exactly is life insurance?" or "Do I really need life insurance?" You may also be wondering "How much life insurance do I really need?" Read on for a few general answers to these questions.

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06
Under the Affordable Care Act (ACA), employers are required to notify employees about the Health Insurance Marketplace by October 1, 2013. These notif...

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19

The best fight-fighting spices are chili and cayenne pepper. A 2011 study in the Journal of Food Science and Nutrition found that capsaicin—the spicy compound found in the peppers—promoted weight loss in a group of overweight rats. Capsaicin has also been shown to suppress appetite, boost metabolism, and fight inflammation. Try mixing the cayenne with cumin, garlic powder, salt, and pepper and rubbing it on a steak before grilling.

Source: www.MensHealth.com

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14
For vigorous exercise, aim for a target heart rate of 70 to 85 percent of your maximum heart rate (MHR). Your MHR (roughly calculated as 220 minus your age) is the upper limit of what your cardiovascular system can handle during physical activity.

For example, for a 35-year old, your maximum heart rate is calculated as 220-35=185 beats per minute (bpm). Your target heart rate range (70-85% of your MHR) is 130-157 bpm.

These numbers are estimates that provide an average value. Many people have a higher or lower MHR, sometimes by as much as 15 to 20 beats per minute. Disagreement exists on how to most accurately estimate your MHR and what percentage range to target.

You can use the Target Heart Rate Calculator here, but if you're looking for more than an estimate, consider discussing your target range with an exercise physiologist or personal trainer.


Note: Several types of medications can lower your maximum heart rate and, therefore, lower your target heart rate zone. Beta blockers, most anti-arrhythmic medications, some calcium blockers and digoxin are among the most common. In some people, H-2 blockers prescribed for acid reflux also reduce maximum heart rate. If you're taking any of these medications, ask your doctor if you need to use a lower target heart rate.


Source: http://www.mayoclinic.com/health/target-heart-rate/SM00083

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07
Regular Physical Activity...

...Helps prevent excess weight gain or maintain weight loss.

...Can help you prevent or manage a wide range of health problems and concerns.

...S
timulates various brain chemicals that may leave you feeling happier and more relaxed.

...C
an improve your muscle strength and boost your endurance.

...C
an help you fall asleep faster and deepen your sleep.

...C
an leave you feeling energized and looking better.

...Can be a fun way to spend some time.

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01

For plan years beginning on or after Jan. 1, 2014, a group health plan or health insurance issuer offering group health insurance coverage cannot apply any waiting period that exceeds 90 days to individuals seeking to enroll in the health plan. A waiting period is the period that must pass before coverage for an employee (or dependent) who is otherwise eligible to enroll under the terms of the plan can become effective.

This provision of the Affordable Care Act applies to all fully insured and self-insured group health plans — both grandfathered and non-grandfathered. It does not apply to plans in the individual market.

The federal government issued a proposed rule on the 90-day waiting period in March 2013. We have formed a cross-functional workgroup to review and address any operational issues necessary for compliance, but our current interpretation of the rule and our business approach could change based on final rules.

Source: BlueCross BlueShield of Texas--News from the Blues for Producers: Nine FAQs about the 90-Day Waiting Period. July 31, 2013.

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26
This glossary defines many common health care reform terms. For specific provisions, the year the requirement takes effect is provided. Visit www.bcin...

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22

A set of health care service categories that must be covered by certain plans, starting in 2014.

The Affordable Care Act ensures health plans offered in the individual and small group markets, both inside and outside of the Health Insurance Marketplace, offer a comprehensive package of items and services, known as essential health benefits. Essential health benefits must include items and services within at least the following 10 categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.

Insurance policies must cover these benefits in order to be certified and offered in the Health Insurance Marketplace, and all Medicaid state plans must cover these services by 2014.

Source: https://www.healthcare.gov/glossary/essential-health-benefits/

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17

Do you know the difference between the sun's UVA and UVB rays?

  • UVA AND UVB reach the Earth's surface because they are not fully absorbed by the ozone layer.
  • UVA penetrates deeply into the skin and is the type of UV radiation that causes wrinkles.
  • UVB is the type of radiation that causes sun burns.
  • Both types can cause skin cancer.

When is UV radiation at its highest?

  • Around noon on a clear, sunny day, and during the summer months.
  • Near surfaces that reflect sunlight, such as snow or sand.
  • Radiation bouncing off a reflective surface is particularly dangerous because the reflection intensifies the light.

How can you stay protected?

  • Generously apply sunscreen over all exposed skin 15 minutes before going outside and reapply every 2 hours.
  • Seek shade between 10am and 4pm, when the sun's UV rays are strongest.
  • Use extra caution near water, snow and sand, and they reflect the damaging rays of the sun, which increases your chance of sunburn.
  • Don't forget your lips! Use a chapstick that has an SPF to cover your lips to protect them from sunburn as well.

Source: www.epa.gov/sunwise

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08

It's been an unusually "cool" July this year, but you still need to protect your skin against the harmful rays of the sun. Apply sunscreen with at least an SPF 30 on all exposed areas of skin 15 minutes before going outside and reapply every 2 hours. Sunscreen DOES have an expiration date, so check the bottle to make sure that it will still be effective.

Remember that the sun's UV rays are the strongest between 10am and 4pm, so seek shade during this time to avoid skin damage and sunburns.

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03

Please note that Brown & Company will be closed on Thursday, July 4 in observance of the Independence Day holiday. We will be return to the office at 8 am on Friday, July 5.

Have a happy and safe 4th of July!



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03
From Mark J. Mazur, Assistant Secretary for Tax Policy at the U.S. Department of the Treasury: The Administration is announcing that it will provide a...

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01
Through determined efforts on both sides of the table, BCBSTX and Memorial Hermann have reached an agreement that will keep the health system in our provider networks. In addition, BCBSTX and MHMD, the Memorial Hermann Physician Network, have reached an agreement for the clinically integrated physicians to also remain in network. The finalized agreement focuses BCBSTX and Memorial Hermann on strategies to provide increased value in health care services for the Houston community.

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26

Under the Affordable Care Act, children under age 19 cannot be denied coverage because of a medical condition that already exists, often referred to as a pre-existing condition. At this time, this provision applies to individual and family policies that offer child coverage. It does not apply to grandfathered policies.

Beginning January 1, 2014, no one can be denied coverage due to a pre-existing condition or have coverage that excludes benefits for a specific medical condition.

Source: http://www.bcbstx.com/affordable_care_act/provisions.html

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21
Today is the first day of summer! If you have any plans that involve the outdoors, may sure you stay hydrated, drinking plenty of water, use plenty of sunscreen (reapplying when necessary) and wear protective clothing. Have a great summer!

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12

Part A Coverage
Pays for inpatient hospital care and services and covers skilled nursing home services. Inpatient care includes medically necessary nursing, drugs, diagnostic, or therapeutic care, supplies, equipment and appliances. Home health care or hospice care may also qualify for reimbursement by Medicare.

Part B Coverage
Applies to physician and professional services. Covered services include ambulance, X-ray and diagnostic tests, ambulatory surgical care, out-patient hospital care, physical and occupational therapy, durable medical equipment and physician charges.

Medicare Part D
The Medicare Prescription Drug, Improvement and Modernization Act of 2003 created the Medicare Part D Voluntary Prescription Drug Benefits Program. The program is the primary payer of prescription drugs for Medicare eligible individuals who are no longer employed. A subsidy is available for low-income beneficiaries.

Source: www.medicare.gov

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07

Medigap insurance can help pay some of the health care costs that Medicare doesn’t cover, like copays, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered healthcare costs. Then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Medicare benefits.

Contact Brown & Company at 979-694-6900 to explore Medigap options.

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31
School's out and summer is here!! Everyone have a safe weekend and congratulations to all the graduates! Best of luck on all your future endeavors!

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24

Please note that our office will be closed on Monday, May 27, 2013 for the Memorial Day Holiday.

 Have a safe and enjoyable Memorial Day Weekend!

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22

Below are the recommended vaccinations for children/adults. If you aren't sure if you or your children are up-to-date on your vaccines, talk with your doctor.

Recommended Vaccinations for Adults:
1.)  Hepatitis A
2.)  Hepatitis B
3.)  Influenza
4.)  Zoster (shingles)
5.)  Varicella (Chicken Pox)
6.)  Meningococcal
7.)  Pneumococcal
8.)  Human papillomavirus (HPV)
9.)  Diphtheria/Tetanus/Pertussis (DTaP)
10.)  Measles/Mumps/Rubella (MMR)

Recommended Vaccinations for Children:
1.)  Polio
2.)  Varicella (Chicken Pox)
3.)  DTaP (Diphtheria/Tetanus/Pertussis)
4.)  MCV4 (Meningococcal)
5.)  Rotavirus (RV)
6.)  PPSV (Pneumoccocal)
7.)  MMR (Measles/Mumps/Rubella)
8.)  Hepatitis A & B

Source: www.webmd.com/vaccines

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13

If you're trying to lose weight and get healthy, there are several foods you should stay away from. Remember, not everything is better in moderation.

1. Soda
An average can of soda has 10 teaspoons of sugar, 150 calories, 30-55 mg of caffiene, artificial food colors and sulphites. Diet sodas have the even-more-unhealthy artificial sweeteners.

2. Potato Chips and French Fries
These popular snack foods contain trans fats, the atery-clogging fat that's been linked to raising bad cholesterol (and lowering the good kind), and increasing the risk of heart disease, diabetes, stroke and cancer.

3. Doughnuts
Tasty, yes. But break a doughnut down and you'll find nothing more than refined sugar and flour, artificial flavors and partially hydrogenated oil that's loaded with trans fat. They have no redeeming qualities whatsoever.

4. Coffee Cake and Other Baked Goods
This category actually includes all varieties of bakes goods, including packaged cake and biscuit mixes. What makes these foods so bad is that they amost always contain high amount trans fats and a host of other unsavory additives including corn syrup, preservatives and artificial flavors and colors. In fact, commercial baked goods typically contain more trans fats than any other food because not only are they often made with hydrogenated oils, they're fried in them, too.

5. Luncheon Meats/Hot Dogs
Processed meats like these (and others including sausages, bacon, pepperoni and other processed meats) contain a carcinogenic precursor ingredient known as sodium nitrite (sodium nitrate is closely related). Here's some good news: you can find various varieties of nitrite/nitrate-free meats in any health food store.

6. Canned Soup
Here we're talking about the traditional, canned soups you find in your grocery store. This may come as a surprise, but most canned (and packaged) soups have high levels of trans fats, sodium and artificial preservatives like MSG. Just one cup of canned soup can have almost 1,000 mg of salt (and most people eat more than one cup), which is tons considering dietary guidelines recommend consuming no more than 2,400 mg for the entire day. There are healthy options out there, but be sure to read the label. The alternative is, of course, to make your own homemade variety.

Source: Pioneer Health & Wellness--The Six most Unhealthy Foods You Should Avoid at All Costs, Thursday, December 20, 2012 (as seen on www.SixWise.com)

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06

Here are just a few reasons why you should get immunized:

  • You may no longer be protected from your childhood shots and need a booster.
  • Getting vaccines helps protect your kids, especially babies too young for vaccines, by “creating a cocoon of protection” around a baby, says Dr. William Schaffner, National Foundation for Infectious Diseases.
  • Some vaccines, such as the shingles vaccine, is just for adults.
  • You may need them when you travel, as you may run into illnesses you’d never find at home.
  • Not everyone was, or is, fully vaccinated as a child, against things like measles, mumps and rubella or chickenpox. You need those vaccinations as an adult.
  • Newer vaccines have been developed, such as the HPV and shingles vaccines.

 Source: www.webmd.com/vaccines/features/why-adults-need-vaccines

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23
Evidence shows that people who lose weight gradually (about 1-2 pounds a week) are more successful at keeping weight off. Healthy weight loss isn’t just about a “diet” or “program”. It’s about an ongoing lifestyle that includes long-term changes in daily eating and exercise habits.

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15
That's right! Today, April 15, is the FINAL day to file your income taxes or apply for an extension. Have you ever wondered where the idea of income taxes came from? Read on for a brief history on the origin of income taxes.

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08

Research has shown that as weight increases to reach the levels referred to as "overweight" and "obesity,"* the risks for the following  conditions also increases:

  • Coronary heart disease
  • Type 2 diabetes
  • Cancers (endometrial, breast, colon)
  • Hypertension (high blood pressure)
  • Dyslipidemia (for example, high total cholesterol or high levels of triglycerides)
  • Stroke
  • Liver and Gallbladder disease
  • Sleep apnea and respiratory problems
  • Osteoarthritis (a degeneration of cartilage and its underlying bone within a joint)
  • Gynecological problems (abnormal menses, infertility)

*Overweight is defined as a body mass index (BMI) of 25 or higher; obesity is defined as a BMI of 30 or higher.

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03

Losing weight doesn’t mean you have to eat food that tastes like cardboard. Here are a few suggestions of foods that are low in fat and calories, but taste great, too.

Dairy: reduced fat, low-fat, or fat-free milk, fat-free cheese and reduced-fat cottage cheese, frozen yogurt. 

Fruits & Vegetables: apples, grapefruits, grapes, oranges, broccoli, brussels sprouts, celery, spinach, tomatoes.

Meat, Fish & Poultry: extra-lean ground beef and turkey, skinless and unbreaded chicken, skinless and unbreaded fish canned in water, egg whites or egg substitute.

Pastas & Grains: brown rice, cooked unenriched spaghetti, oatmeal, reduced-fat granola, long-grain white rice, bran flakes, pasta with red sauce or vegetables as opposed to white sauce.

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25

Fruits and vegetables are all part of the Food Pyramid and the plate model, but is it better to eat fresh instead of frozen fruits and vegetables? IF you look at the nutritional properties, there is little difference. In some cases there are even more nutrients in frozen than in fresh foods. Often, fresh and frozen vegetables contain almost the same amount of Vitamin A, Vitamin C, protein and fiber.

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Think of the Rainbow. By drawing attention to the color of your food, you can improve your overall health and create better eating habits. Make sure to include all the colors from the rainbow in your overall diet.

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08

Are you eligible for the Small Business Health Care Tax Credit for Small Employers? See the Qualifying Steps for Small Business Health Care Tax Credit for Small Employers to find out and visit http://www.irs.gov/newsroom/article/0,,id=223666,00.html

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The aim of a food pyramid is to provide a person with a practical, visual example of what a healthy diet should be.

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19
If you missed our Affordable Care Act Implementation Rules and Strategies Webinar, please contact Bunny Pratt to request a copy of the presentation. C...

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14
Happy Valentine's Day from all of us here at Brown & Company!!

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05

About 70% of people over age 65 will require some type of long-term care (LTC) services during their lifetime. More than 40% will need care in a nursing home. Things that increase your risk or make it more likely that you’ll need long-term care include:

Age: The older you get, the more likely it is that you’ll need help.

Living alone: You’re more than likely to need paid care than if you’re married or single and living with a partner.

Gender: Women are more likely to need long-term care than men, primarily because women tend to live longer.

Lifestyle: Poor diet and exercise habits increase your chances of needing LTC.

Personal History: Health and family history can increase the chances you’ll need LTC.

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Long-term care is a range of services and supports you may need to meet your health or personal needs over a long period of time. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life.

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23
Bad breath, also known as halitosis, may be caused by a number of factors. We all know that pungent foods such as onions or garlic can cause less-than-fresh breath, but dry mouth, periodontal disease and tobacco use also contribute.

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18
The Department of Labor (DOL) has announced that employers will not be held to the March 1, 2013 deadline provision stipulated in the Affordable Care Act (ACA) to provide employees with a notice about the availability of new health insurance exchanges. The DOL has yet to issue a model notice, FAQs or guidance about the employer notice requirement. The DOL acknowledged that it would be premature to issue a notice in March because specific exchange information is not yet available. Once the model notice is presented, Brown & Company will provide this to our clients. If you have questions, please contact our office at 979.694.6900.

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The government requires all companies fill out and submit this form. If you need assistance in filling out the form, click here.
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Candy bars and sodas aren't the only sources of sugar to be aware of. Yoplait Original 99% Fat Free Harvest Peach, 6oz, has 170 calories and 26 grams of sugar! A nice alternative to try is Dannon Light & Fit Peach, 6oz, which has 80 calories and 11 grams of sugar.

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08

Our newsletter this month is on dental hygiene. In it, you'll find quick tips to remedy bad breath, 5 easy steps to brighter, whiter teeth, and important facts on keeping your teeth and gums healthy. Click here to view the newsletter, or visit our "Resources" tab to browse previous newsletters from 2011 and 2012.

Happy New Year and Happy Flossing!!

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03
I hope everyone is enjoying the new year thus far! We've had some big changes at Brown & Company over the last few weeks. We said goodbye to Allison Patrick, who left to spend some time at home with her family, and welcomed Haley Saxton to our family! We are sad to see Allison go, wish her nothing but the best and so excited to have Haley join us!

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21

"Let the spirit of love gently fill our hearts and homes. In this loveliest of seasons may you find many reasons for happiness." (http://www.irasperipheralvisions.com/verses.htm#christmas)

Merry Christmas,
From all of us at Brown & Company Insurance Services

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Congratulations to CALI HARPER! You are our winner for the month. Send us a message telling us if you would like a blue cup or a green cup and we will deliver it to you! Congrats again and thank you for liking us.

You can have your chance at winning one of our awesome cups, too! Just log on to Facebook, like our page and you're automatically entered into our monthly drawing!

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11
I apologize for missing Freebie First Friday last week, I was out sick. SOOO....we will be having Freebie SECOND Friday this month! Keep an eye out this Friday to see if you're the lucky winner of one of our AWESOME Brown & Company cups with lid and straw!!

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With the Christmas holiday only two weeks away, shopping for gifts/toys is in full swing. Do you know if the gifts you have purchased or are looking to purchase for the children on your list are age-appropriate?

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27
Are you puzzled by Health Care Reform? Then join us for a FREE seminar which will help you put the pieces together. Refreshments will be provided, so come and join us!

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21

"Thanksgiving comes to us out of the prehistoric dimness, universal to all ages and all faiths.  At whatever straws we must grasp, there is always a time for gratitude and new beginnings." 

J. Robert Moskin

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13
Bryan Rotary Club sponors first annual Field of Valor in Veteran's Park.

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09
After hard-fought campaigns by both candidates, President Barack Obama has been elected for a second term in office. Obama’s victory in the elec...

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07
Proper skin care is just as important for men as it is for women.

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02

It's the first Friday of the month which means....FREEBIE FIRST FRIDAY!!

Congratulations to SANDRA RINCON! You are our winner for the month. Send us a message telling us if you would like a blue cup or a green cup and we will deliver it to you! Congrats again and thank you for liking us.

You can have your chance at winning one of our awesome cups, too! Just log on to Facebook, like our page and you're automatically entered into our monthly drawing!

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22

"When angry, count ten before you speak; if very angry, a hundred."
- Thomas Jefferson

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Today is National Boss's Day! Do you know who began Boss's Day and why? Read on to find out!

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Happy Friday everyone! Enjoy your weekend and lets btho louisiana tech!
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08
Columbus landed in the Americas on October 12, 1492 but in the U.S. it is observed as the second Monday in October.

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05
Being diagnosed with breast cancer is not a death sentence. The 5-year survival rate for all women diagnosed with breast cancer is 90%. Early detectio...

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11
Making Smart Eating Choices: MyPlate

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Good Morning All!! Today is the OFFICIAL relaunch of our new and improved website! Please, browse around and check it out! We've worked really hard f...

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27
Having problems sleeping? Try these tips to help you get the rest you need.

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Click here to find out what our customers at Dynacon and Gooseneck Manufacturing are saying about our insurance services.
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Congratulations to our very own Kat Andrews and her husband! They welcomed their first child into this world last week and are finally at home enjoyin...

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16
A child who has juvenile arthritis may develop problems with his or her eyes. The problems may be caused by the disease. In some cases, though, the pr...

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You can be an advocate for the nearly 50 million Americans living with arthritis. You can make your opinion known and tell your personal stories to Ca...

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Lightning can strike on the most beautiful of days. It can be brought on by heat, an oncoming thunderstorm or remnants of a storm that fell apart. The...

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28
On June 28, 2012, the last day of its current term, the U.S. Supreme Court announced its decision on the constitutionality of the health care reform l...

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Brown & Company is looking for an Office Assistant! Check out our listing and send any resumes with references to info@bcins.net.
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Do you your allergies act up when you go to work? Check out ways to improve your office space air quality.
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May is National Asthma and Allergy Awareness Month! We will give you some great tips and articles this month that will help people that suffer from asthma and/or allergies.

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26
Check out this great website for parents to make sure their teens drive safely! Check out our Facebook page to join the conversation.
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03
This month is National Distracted Driving Awareness Month! Let's promote save driving on the road! Check out our Facebook page to lear...

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Brown & Company Insurance Services

1825 Brothers Blvd.
College Station, Texas 77845
Toll Free #: 800-725-0345

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