The Health & Voluntary Benefits Association® (HVBA) is pleased to conclude our recent event for benefits professionals, the HVBA Benefit Networking Roadshow. This distinguished gathering took place on Thursday, March 7, 2024.

This event catered to a select group of professionals in the benefits industry, offering two Continuing Education (CE) sessions. Following these sessions, attendees had the chance to engage in a networking reception under the desert sky.

The main goal of this event was to facilitate prospecting, foster business connections, and provide insights into the latest updates in legislation related to the Consolidated Appropriations Act (CAA), Employee Retirement Income Security Act (ERISA), Long-Term Care (LTC), and “Junk Insurance.”

Industry experts, including Rob Shestack, Jake Velie, Amy Nelli, and Dan Robinson, shared valuable information regarding the latest developments in CAA, ERISA, LTC, and “Junk Insurance.” Given the significant changes, acquiring this information was crucial to avoid potential fines.

Jake Velie, Vice Chairman, President and COO of HVBA, and Chairman & CEO of National Integrative Health, remarked, “The HVBA Benefit Networking Roadshow is an extremely powerful and efficient way to not only stay on the forefront of regulatory and legislative movements and updates, but also find innovative new solutions and partnerships during powerful networking, while enjoying an open bar and delicious food.”

Despite weather challenges, including a rare desert rain deluge, the event saw a good turnout, with professionals networking and forging connections. The breathtaking sites of the Southwest, accompanied by a desert chimenea fire and a display of Arizona’s unique sights, tastes, and sounds, made for a memorable experience.

Bill Nazur, Entrepreneur in Health and Hospitality, commented, “The networking opportunities were unparalleled. I connected with industry experts and like-minded professionals, forging valuable relationships. This experience was memorable, with a desert chimenea fire and a delightful showcase of Arizona’s unique flavors.”

The success of the Benefit Networking Roadshow was made possible with the support of our sponsors and the entire Board of Advisors. We express our gratitude for their contributions, enabling us to host a fantastic event for our attendees and partners while connecting with our members.

As we conclude this successful event, we are pleased to announce our next destination, Dallas, TX, on June. Stay tuned for more details.

For press inquiries, please contact:
Jenny Jenkins 
Senior Vice President of Operations
Health & Voluntary Benefits Association® (HVBA)
jjenkins@vbassociation.com 
561-398-1060 

About the Health & Voluntary Benefits Association® (HVBA)
The Health & Voluntary Benefits Association® (HVBA) is a leading organization dedicated to connecting benefits professionals, fostering collaboration, and providing essential insights into the dynamic landscape of health and voluntary benefits. With a commitment to excellence, HVBA organizes events that empower professionals with knowledge, networking, and opportunities for growth.

The American Institute of Healthcare Compliance
A 501(c)(3) Non-Profit Organization

March 6, 2024 Compliance Update

30 states do not have general out-of-state provider telehealth allowances!

When telehealth is used, it is considered to be rendered at the physical location of the patient, and therefore a provider typically needs to be licensed in the patient’s state.

Because it can be burdensome on providers to get licensed in every state they wish to practice in via telehealth, many states have adopted interstate compacts which allow specific providers to practice in states they are not licensed in as long as they hold a license in good standing in their home state.
 

According to a recent notice from the CCHP, the National Telehealth Policy Resource Center, the “simplest” way for providers to ensure they can provide care in all instances is getting licensed in all states, however that is not feasible for most. In this notice is reference to a report published by the Pacific Legal Foundation entitled “In 30 states, you can’t use telehealth with out-of-state doctors” now that the COVID-19 Public Health Emergency (PHE) is over. “In state after state, starting as early as 2021, legislators and medical boards began rolling back telehealth access, ending waivers and—in most states—reverting to pre-pandemic restrictions.”

On January 17, 2024, the Cicero Institute, a nonpartisan policy organization, published the third annual telehealth innovation report under article category for Telemedicine Across State Lines entitled 2024 State Policy Agenda for Telehealth Innovation. As you scroll through the report, you’ll find a straightforward stoplight rating system for each state indicating alignment of that state’s policies with identified best practices.

To review all laws and policies impacting telehealth by state, and federally, please access CCHP’s Telehealth Policy Finder. The Center for Connected Health Policy (CCHP) provides information on professional requirements by tracking six licensure compacts:

1. Interstate Medical Licensure Compact
2. Nurses Licensure Compact
3. Physical Therapy Compact
4. Psychology Interjurisdictional Compact
5. Audiology and Speech-Language Pathology Interstate Compact
6. Emergency Medical Services Personnel Licensure Interstate Compact

Coding & Billing Medicare Telehealth Services 2024

The Centers for Medicare & Medicaid Services (CMS) published an updated Telehealth Services Fact Sheet listing new CPT and HCPCS codes for 2024, new/expanded telehealth services, removing frequency limitations in 2024, and other important billing compliance information.

Download MLN901705 February 2024 for more information. Additional CMS references:

• Section 190 of the Medicare Claims Processing Manual, Chapter 12
• Telehealth Policy Changes after the COVID-19 PHE from Telehealth.HHS.gov
• Best Practice Guides – practical recommendations for providers from Telehealth.HHS.gov

SOURCE: (American Institute of Healthcare Compliance, personal communication, March 6, 2024)

By: Center for Connected Health Policy

Last month the Centers for Medicare and Medicaid Services (CMS) released an updated Telehealth Services Medicare Learning Network (MLN) Fact Sheet reflecting new information for 2024. Most of the guidance remains unchanged and updates largely focus around incorporating already adopted policies from the Consolidated Appropriations Act, 2023 (CAA 2023) and CY 2024 Physician Fee Schedule (PFS) Final Rule. However, the document serves to assist providers struggling to keep up with shifting billing rules and offers the potential to clarify outstanding reimbursement issues as well as provide a reminder of current Medicare telehealth policies.

The CMS Fact Sheet also describes general telehealth coverage rules and provides background on pre-COVID-19 Public Health Emergency (PHE) policy in addition to extended PHE flexibilities. For instance, it describes permanent laws that limit eligible originating sites and distant site providers while clarifying that through December 31, 2024, such restrictions are waived. Currently, due to extended PHE flexibilities, patients can receive services wherever they are located and all providers who are eligible to bill Medicare can provide distant site telehealth. In addition, while Medicare typically only covers live video telehealth, there are ongoing allowances for audio-only in some instances.

Where Medicare billing for telehealth services gets most complicated is in regard to specific payment rules and coding requirements. Reimbursement questions are what CCHP receives frequently from providers, as billing policies vary depending on the type of provider and service provided, making application of the rules different in various circumstances. For instance, the CMS Fact Sheet includes updated information related to telehealth modifiers and Place of Service (POS) codes that commonly are the subject of the billing questions received by CCHP. Some of the updated information most helpful to highlight relate to different guidance for hospitals and non-hospital-based providers. The use of modifier 95 is being extended in the updated guidance but only when the clinician is in the hospital and the patient is in the home, as well as for outpatient therapy services provided via telehealth by qualified physical therapists (PTs), occupational therapists (OTs), or speech language pathologists (SLPs) through December 31, 2024. As noted in the Fact Sheet, hospitals and other providers of PT, OT, SLP, diabetes self-management training (DSMT) and medical nutrition therapy (MNT) services that remain on the Medicare telehealth services list may continue to bill for these services when provided remotely in the same way they’ve been during the PHE, except that:

• For outpatient hospitals, patients’ homes no longer need to be registered as provider-based entities to allow for hospitals to bill for these services
• The 95 modifier is required on claims from all providers, except for Critical Access Hospitals (CAHs) electing Method II, as soon as hospitals needing to do so can update their systems

For non-hospital-based providers, the updated Fact Sheet information states providers should also continue billing telehealth claims with the POS indicator used for an in-person visit and, starting January 1, 2024, use:

• POS 02-Telehealth to indicate you provided the billed service as a professional telehealth service when the originating site is other than the patient’s home
• POS 10-Telehealth for services when the patient is in their home

One additional issue connected to this new POS guidance has become apparent. As recently reported by Noridian, a Medicare Administrative Contractor (MAC), despite CMS previously stating that POS 10 would receive the higher non-facility rate when billed (see CMS 2024 PFS, CMS 2024 PFS MLN, and CCHP’s 2024 PFS Fact Sheet for more information), it appears CMS has instead been reimbursing at the lower facility rate so far this year. CCHP has received several inquiries on the subject and has reached out to CMS for clarification, with no new guidance provided as of yet. As also noted in the Noridian article, it is understood that CMS is aware of the issue and currently looking further into it. CCHP will provide more updates and additional clarifications on Medicare telehealth billing issues once new information is received.

Other updates in the latest version of the Fact Sheet include:

• New codes added to the Medicare telehealth services list
  • CPT codes 0591T – 0593T for health and well-being coaching services, added on a temporary basis
  • HCPCS code G0136 for Social Determinants of Health Risk Assessment, added on a permanent basis
• Other CAA 2023/CY 2024 PFS additions, such as:
  • Continuing payment for telehealth services rural health clinics (RHCs) and federally qualified health centers (FQHCs) provided using the methodology established for those telehealth services during the PHE
  • Delaying mental health telehealth and RHC/FQHC in-person requirements
  • Allowing teaching physicians to use audio or video real-time communications technology in all residency training locations through the end of CY 2024
  • Removing frequency limitations in 2024 for subsequent inpatient visits, subsequent nursing facility visits, critical care consultation
• CY 2024 Originating site facility fee amount – HCPCS Code Q3014 describes the Medicare telehealth originating sites facility fee. Bill MAC for the separately billable Part B originating site facility fee. The payment amount for HCPCS code Q3014 (Telehealth originating site facility fee) is 80% of the lesser of the actual charge ($29.96 for CY 2024 services)

Other items covered in the Fact Sheet include:

• Through December 31, 2024, you may use telehealth to conduct hospice care eligibility recertification
• CMS has extended the Acute Hospital Care at Home Program, which heavily relies on telehealth for hospitals to provide inpatient services, including routine services, outside the hospital
• Telehealth Home Health information – G-Codes indicating use of telehealth technology in providing home health services
• General billing rules regarding billing covered telehealth to Medicare Administrative Contractors (MACs)
• Consent for care management and virtual communication services requirements

For additional Medicare telehealth billing information, please view the following resources:

• Review Provider Billing Medicare FFS Telehealth for billing and coding information for Medicare Fee-for Service claims
• HHS Telehealth policy changes after the COVID-19 public health emergency
• HHS Telehealth Information for Patients and Providers

As always, federal telehealth information can be found on CCHP’s online policy finder, in the federal section. As we move forward, CCHP will continue to keep readers updated on the latest in Medicare telehealth billing.

SOURCE: (Center for Connected Health Policy, personal communication, March 5, 2024) 

Phoenix, AZ 1/25/2024 – The Health & Voluntary Benefits Association® (HVBA) is thrilled to announce an exclusive networking event at the beautiful Sheraton Grande Wild Horse Pass in Phoenix, AZ. This event promises an unparalleled opportunity for professionals to connect, learn, and build meaningful relationships while enjoying the gorgeous landscape that Arizona has to offer.

The event starts with Registration, followed by two Continuing Education (CE) sessions at 2:30 PM, designed to provide valuable legalities insights and updates related to legislation for LTC, ERISA, and the CAA. These sessions will be led by experts, offering a chance for attendees to understand and plan for their compliance reporting starting at the beginning of the year. The last thing any employer or insurance professional would want is to have to go back and review data, which could take weeks to decipher and save a ton of time.

The day concludes with our upscale Benefits Networking Roadshow after the educational sessions. This segment is tailored for professionals engaging in meaningful conversations, sharing experiences, and exploring potential collaborations. The Benefits Networking Roadshow provides a unique platform for participants to strengthen their professional network and discover new opportunities. The team at HVBA will be there the whole time to help you meet the people who can be great prospects and new clients for our members.

Event Details:

• Date: Thursday, March 7, 2024
• Time: 2:00 PM – 8:00 PM
• Venue: Sheraton Grande Wild Horse Pass, Phoenix, AZ

“We are excited to bring together professionals for another successful face-to-face event. This networking event is an opportunity to learn from industry experts and a platform to foster connections that can lead to future collaborations,” said Rob Shestack, Chairman & CEO of the HVBA, “Also we are hitting the road in 2024 with pitstops in Phoenix, AZ, Dallas, TX, Nashville, TN, and Atlantic City, NJ. We invite our members and corporate sponsors to join us for an amazing tour in the US with the Health & Voluntary Benefits Association® (HVBA) Team!”

Take advantage of this chance to participate in an event combining education, networking, and an upscale networking experience. Secure your spot today and be prepared for an enriching day at the Sheraton Grande Wild Horse Pass.

For registration and more information, please visit: https://hvba-benefits-roadshow-az.eventbrite.com

About Health & Voluntary Benefits Association® (HVBA) 
The Health & Voluntary Benefits Association® (HVBA) is the first national non-profit trade association focused on Voluntary Benefits for employer groups and affinity groups. We aim to promote the education, implementation, and enrollment of healthcare and voluntary benefits in the workplace.

For Media Inquiries: 
Jenny Jenkins
Senior Vice President of Operations
jjenkins@vbassociation.com

The Health & Voluntary Benefits Association® (HVBA is committed to providing opportunities for professionals to grow and connect. Pitstops for 2024 include Phoenix, AZ; Dallas, TX; Nashville, TN; and Atlantic City, NJ.

The Health & Voluntary Benefits Association® (HVBA) in partnership with National Integrative Health is bringing you critical information for preparing for the end-of-year health plan reporting as well as a detailed look ahead in 2024 and early litigation activity against plan sponsors and employers.

You will receive:

• Crucial Insights: Delve deep into impending reporting deadlines at the end of the year, bringing you the latest legal compliance for plan sponsors. The Health & Voluntary Benefits Association® (HVBA) is committed to helping our members stay ahead in the ever-changing legislative and regulatory landscape.
• Fiduciary Health Plan Consultant: Join Jake Velie, Vice Chairman, President & COO of HVBA and Chairman and CEO of National Integrative Health, as he provides a comprehensive and professional exploration of key legislation and regulatory requirements for plan sponsors including the Consolidated Appropriations Act (CAA), the Employee Retirement Income Security Act (ERISA), and relevant Internal Revenue Code provisions.
• Impact Analysis: Gain valuable insights into these legislative changes’ direct impact on the financial and employment sectors as well as the momentum building in related lawsuits.
• Don’t Miss Out: Seize this critical opportunity to garner expert knowledge on action plans your health plans must take now to avoid the impending litigation efforts and audits by the Federal Government!

Event Details:

• Webinar: Critical CAA and ERISA Updates
• Date: Wednesday, January 31, 2024
• Time: 12:00 PM EST | 9:00 AM PST
• Cost: No cost to attend | Advanced Registration Required

Register Today!

Moderator
Rob Shestack, CCSS, CVBS, CFF
Chairman & CEO
Health & Voluntary Benefits Association® (HVBA)

Speaker
Jake Velie, CPT
Vice Chairman, President & COO
Health & Voluntary Benefits Association® (HVBA)

About the Health & Voluntary Benefits Association® (HVBA) | Health & Voluntary Benefits Institute® (HVBI)

The Health & Voluntary Benefits Association® (HVBA) and the Health and Voluntary Benefits Institute® (HVBI) are leading providers of comprehensive employee benefits solutions, compliance consulting, product development and industry certifications. With a commitment to innovation and excellence, HVBA & HBVI strives to empower employers and brokers with the tools they need to navigate the evolving landscape of healthcare and voluntary benefits. Through the Health & Voluntary Benefits Association® (HVBA) and the Health & Voluntary Benefits Institute® (HVBI), we are dedicated to advancing industry knowledge and promoting best practices for the benefit of all stakeholders. 

Visit vbassociation.com.

Mt. Laurel, NJ – December 31, 2023 – In a strategic move to better reflect the evolving landscape of employee benefits, the Voluntary Benefits Association® (VBA) is excited to announce its name change to the Health & Voluntary Benefits Association® (HVBA). Expanding the VBA’s focus on Healthcare and Health Benefits, as well as Voluntary Benefits, the HVBA developed the Health & Voluntary Benefits Institute® (HVBI) to focus on industry data, fiduciary consulting, health plan analytics and the launch of a first of its kind Group Purchasing Organization (“GPO”).

The decision to incorporate “Health” into our name is in direct response to the overwhelming demand we have had from industry stakeholders to help them develop solutions that leverage the power of Voluntary Benefits while integrating core Health Benefits and the clinical solutions that complement them to meet the rapidly evolving needs of both employers and employees and the carriers and consultants that serve them. Over the past five years, and as Healthcare has become increasingly unaffordable, the previous separation between Voluntary and Health Benefits has been replaced by a marketplace that requires them to be offered in a cohesive and integrated fashion to meet today’s challenges.

Jake Velie, Vice Chairman, President, and COO of HVBA and HVBI, and Chairman and CEO of National Integrative Health, emphasized the significance of this shift, stating, “The Benefits Industries are converging, and we are committed to developing the next generation of solutions with our world-class carriers and service providers for the brokers, consultants and the groups they serve. Our organization is leading this trend and will release numerous new resources and solutions for our members, both individual and corporate, to grow their businesses by solving the most pressing problems facing employees. We are passionate about protecting and strengthening the households of America while also protecting and strengthening the companies and associations that serve them.”

One of the driving forces behind this change is our collaboration among carriers nationwide to create innovative offerings that seamlessly integrate health and voluntary benefits. The focus is no longer only on traditional voluntary offerings but also on how they work together with core health benefits and the shift towards more customized and self-directed plan designs. As healthcare costs continue to rise and with deductibles and out-of-pocket expenses becoming increasingly burdensome, employees find it more and more challenging to access affordable care without the support of other benefits to help pay for these services.

Rob Shestack, Chairman and CEO of HVBA and HVBI, explained, “Voluntary Benefits play a crucial role in bridging the gap by providing ancillary coverages for employees and offering protection against the financial strain that healthcare expenses can impose on families. In a world where out-of-pocket costs can range from $3,000 to $16,000 for a family, voluntary benefits act as an affordable safety net, ensuring that employees can still care for themselves and protect their savings even with skyrocketing healthcare costs.”

The convergence of health and voluntary benefits into one comprehensive offering reflects the commitment of HVBA to safeguarding the health and financial well-being of employees and employers. This strategic evolution aligns with the organization’s mission to provide affordable and impactful solutions that meet the ever-changing needs of the workforce.

For media inquiries, please contact:

Sarah Hunt

Senior Vice President of Administration

Health & Voluntary Benefits Association® (HVBA)

Health & Voluntary Benefits Institute® (HVBI) 

shunt@vbassociation.com

ABOUT

Health & Voluntary Benefits Association® (HVBA) | Health & Voluntary Benefits Institute® (HVBI)

The Health & Voluntary Benefits Association® (HVBA) and the Health and Voluntary Benefits Institute® (HVBI) are leading providers of comprehensive employee benefits solutions, compliance consulting, product development and industry certifications. With a commitment to innovation and excellence, HVBA & HBVI strives to empower employers and brokers with the tools they need to navigate the evolving landscape of healthcare and voluntary benefits. Through the Health & Voluntary Benefits Association® (HVBA) and the Health & Voluntary Benefits Institute® (HVBI), we are dedicated to advancing industry knowledge and promoting best practices for the benefit of all stakeholders.

Atlantic City, NJ – November 17, 2023 – The Health & Voluntary Benefits Association® (HVBA) concluded its 16th Annual Board Meeting and Benefits Broker Roadshow in Atlantic City on November 16, 2023. The event was marked by strategic planning sessions to enhance member and corporate partner experiences, showcasing a commitment to staying at the forefront of the industry.

The meeting provided a dynamic platform for exchanging innovative ideas, fostering collaboration, and unparalleled business networking opportunities that left attendees enthused about the Association’s future direction. The HVBA remains a trailblazer in the health and voluntary benefits sector, primarily focusing on delivering the latest and most up-to-date information and resources to its followers while connecting its community through networking and innovative partnerships.

Among the event’s highlights were the acknowledgments and honors awarded to outstanding partners and board members who have pivotal roles in elevating the Association’s stature and creating valuable experiences for current and future members.

The Health & Voluntary Benefits Association® (HVBA) is pleased to recognize the following professionals for their exceptional contributions during 2023:

Rob Shestack, Chairman & CEO of the HVBA, praises these award recipients: “These outstanding individuals have significantly contributed to the growth of HVBA in 2023, paving the way for increased collaboration and networking opportunities for members, corporate sponsors, and partners alike. A special congratulations to Dan Robinson for being inducted into the HVBA Hall of Fame, joining an elite group of industry professionals.”

As we reflect on the successes of 2023, the Health & Voluntary Benefits Association® (HVBA) is enthusiastic about the prospects that 2024 holds. We look forward to continuing our commitment to excellence and honoring the hardworking board and team members in the future.

Learn more about HVBA’s Annual Leadership Awards including past recipients, eligibility, and award sponsorship opportunities click here.

For more information about the Health & Voluntary Benefits Association® (HVBA) and its initiatives, please visit www.vbassociation.com.

About Health & Voluntary Benefits Association® (HVBA): The Health & Voluntary Benefits Association® (HVBA) is a leading organization that provides valuable resources, networking opportunities, and the latest information in the voluntary benefits sector. Comprised of a diverse group of professionals, the association is committed to elevating industry standards and fostering collaboration among its members, corporate sponsors, and partners.

Press Contact:
Jenny Jenkins
Senior Vice President of Operations
jjenkins@vbassociation.com

[Atlantic City, NJ, 20 November 2023] — The Health & Voluntary Benefits Association® (HVBA) invited over 100+ industry leading VIP’s for another successful benefits roadshow. Kicking off the 1-day event, the HVBA conducted their 16th Annual HVBA Board Meeting with directors from both the HVBA’s Executive and Advisory Boards. This year, we celebrated what has now become an annual event everyone anticipates attending. Beginning with our annual board meeting, followed by insurance continuing education credits and ending the day with our HVBA Benefits Roadshow, the 4th in 2023! The event was limited to 100 professionals and we had a waiting list of more than 25.

Each participant had the opportunity to witness firsthand the success achieved through the hard work and support of the association’s dedicated benefits community, HVBA board members and our sponsors.

In 2023, the HVBA underwent significant developments, commencing with the acquisition of Walt Podgurski’s Daily Insurance Report & Newsletter (“DIR”). The addition of new DIR advertisers and sponsors, a substantial increase in memberships, four roadshows, new technology & automation, and the expansion of full-time employees were notable highlights.

The HVBA implemented several strategic initiatives throughout the year, demonstrating its commitment to growth and innovation. The DIR readership experienced double-digit growth, yielding over 17,000 subscribers supported by a robust online presence with 10,000+ LinkedIn and social media followers. The HVBA effectively engaged individuals across various roles within the Voluntary Benefits industry, such as carrier representatives, insurance brokers & consultants, human resource executives and third party administrators. 

In 2023, the HVBA welcomed several industry leaders to its advisory board, including Don Cahalan, Bill Bade, Neil Mammele, Tom Mckiernan, Amy Mansfield-Nelli, Karen Gathercole, and Joe Garcia. The Chairman of the Board appointed new officers: Lee Stokes assumed the role of President of the HVBA Executive Board, Dan Robinson was elevated to President of the HVBA Advisory Board, joined by Don Cahalan as 2nd Vice President and Dennis Connor as 1st Vice President. Jake Velie took on a strategic and operational role as the HVBA’s President and COO, while Sarah Hunt and Jenny Jenkins were promoted to SVP of Administration and SVP of Operations, respectively.

Over the past year, voluntary benefits have maintained their status as one of the fastest-growing segments in the insurance industry. With employers continuing to shift more costs to employees, while facing talent acquisition and retention challenges, the demand for voluntary benefits is expected to grow substantially in the coming years. The HVBA remains a cornerstone for product information, networking, industry data and analytics, new technologies, and regulatory insights at both state and federal levels.

As the voluntary benefits industry evolves, marked by the design of new benefit programs, technological innovations, and the mainstream adoption of artificial intelligence, the HVBA expresses appreciation for the collective efforts of their membership, sponsors and directors that continue to contribute to the industry’s growth.

The HVBA extends a thank you to participants for attending their 2023 Roadshows and networking events. Since 2008, the organization has played a pivotal role in aiding tens of thousands of brokers, consultants, carrier representatives, and HR professionals to understand the intricacies of the voluntary benefits industry. From LA to Philly and Miami to Boston, the HVBA has established a significant footprint across the US.

Looking ahead, the HVBA is set to introduce new and enhanced individual/corporate memberships and new member benefits, reaffirming its commitment to providing members with intellectual capital and valuable insights. In 2024, the HVBA Roadshows will have stops in Scottsdale, Nashville, Dallas and Philadelphia.

Robert S. Shestack, Chairman & CEO of the HVBA, expresses eagerness to lead the organization’s unparalleled journey as it continues to help grow the benefits industry.

For further information, please contact:

Jenny Jenkins
Health & Voluntary Benefits Association® (HVBA)
Jenny@voluntarybenefits.org
856-326-5247