Holly Taylor of Williamstown has a panoramic perspective on health care. Now a health insurance broker with True North, she reported on health care with award-winning coverage for The Berkshire Eagle for several years.
“Some people may say, ‘Boy, what a complete turnaround after writing about health care,’†said Taylor, “But I view what I do as advocacy. Most employers really hate health insurance. They find it bureaucratic and confusing, and they want someone who cuts through that, and can say ‘Here’s what you need to do.’ And there are not a lot of easy answers.â€
“I’ve always just found health care fascinating,†said Taylor.
“What I really like about what I do, I really enjoy the relationships we have with clients,†said Taylor. “I’m impressed with the strong work ethic and entrepreneurial spirit in the Berkshires.â€
“We do employee benefits for more than 100 businesses,†she said. “They’re small, large, all sizes. We do medical, dental, life, disability, long-term care, all both employer paid and employee paid,†she said.
“It takes a while to really understand all the nuances of different plans and different insurers,†she said. “The reporting part helped. When I’m working on proposals I ask a whole lot of questions. We welcome questions from clients, we welcome critical thinking. We want everybody to be on the same page.â€
In her job, Taylor gathers information from an employer concerning the current workforce and benefits, then goes to insurers and solicits a variety of proposals. Taylor then enters the information on spreadsheets, covering key points so employers can assess them at a glance. She talks with employers about any issues that could be red flags, and obtains accurate quotes.
“I do employee meetings, write letters to employees, giving them telephone numbers and e-mail addresses for them to direct their questions,†said Taylor. “I do paperwork and dot the I’s and cross the T’s. With medical plans there’s typically a transition level, and once the plan is set up, I’m available to resolve any claims issues.â€
Taylor works with Jean Stone who has 25 years’ experience working in physicians’ offices doing medical billing.
Taylor launched her specialty with True North on Dec. 1, 1997 after working at The Berkshire Eagle 18 years and at The Albany Times-Union for a year and a half.
“I thought 20 years in journalism was enough,†she said.
She and her husband Richard C. Lamb founded the financial services company which has since been acquired by Hoosac Bank. True North has offices in North Adams at 85 Main St., and in Williamstown, at 296 Main St. Lamb and Taylor have three children.
Taylor was born and raised in Newport, R.I., an only girl with four brothers. A journalism major at the University of Rhode Island, she was an avid sailor in college, and an enthusiast for skydiving before, she said, “I got married and had to grow up.â€
“The health insurance scene is changing. There’s a lot of turmoil, and there are no easy solutions,†she said.
“I see employers moving to plans with higher co-pays, or contributions from employees. It’s part of the problem with our region, older workforces, and if you’re talking about smaller groups, the rates are dictated by age,†she said. “It’s traumatic. Businesses are seeing double-digit increases, and employers are at their wits’ end
“I think we’re about five years away from apocalypse, until employers say, ‘We don’t want to be in the insurance business anymore. We’ll pay a payroll tax and go to universal health care.’ â€
“Also, employees are shouldering a larger portion of the cost,†she said. “I see those two forces escalating over time, but for now, employers are struggling with this issue. Businesses have long-term, loyal employees and want to provide, but overtime, too, employees are eventually going to want universal health coverage.â€
“The third factor is demographics,†said Taylor. “Fast forward 15 years, and look how many people are on Medicare, are government employees, and in the military. The privately insured pool is going to be smaller. There’s an aging population. And baby boomers on Medicare are going to be screaming for drug coverage.
“Municipalities and school districts are a whole different world. Some already have higher ratios. For those that retain a 90-10 split, this will be a big priority for all future contract talks, and no one knows how that battle is going to shake out.
“Over the past year, insurers have created plans with higher deductables and copayments,†she said. “Employers are not making the move yet, but they want to look at and weigh the options. There are some tax advantages to plans that allow employers to fund some portion of employees’ contributions through tax qualified accounts.
“It’s a big issue for small businesses, with 50 employees and under, plans that qualify for medical savings accounts,†she said. “While new high deductable plans are a bit frightening at first, there are tax advantages to be considered.â€
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Macksey, Shade Pledge Compassion, Accountability as City Leaders
By Tammy DanielsiBerkshires Staff
Mayor Jennifer Macksey was sworn into a third term on Thursday; Councilor Ashley Shade was unanimously elected council president.
NORTH ADAMS, Mass. — A new government took the reins at City Hall on New Year's Day, pledging to move North Adams forward with compassion and accountability.
"My focus, as your mayor, has been and will continue to be, one of restoring accountability, stability, strengthening city operations and making meaningful progress of long standing challenges," said Mayor Jennifer Macksey, entering her third term. "City government has worked to move from reaction to action, addressing deferred issues, while laying the foundation for future growth."
The swearing in on New Year's Day included the election of Ashley Shade as council president and Andrew Fitch as vice president.
Shade, also entering her third term, reflected on leadership as it relates to small communities and North Adams in particularly.
"It is where I learned that community is not something you inherit. It is something you practice. You practice it when times are easy and you practice it even more when times are not," she said. "I have said before that the city needs to renew its focus on investing in our most important resource — this city, the people of North Adams. I believe that with my whole heart, because, yeah, buildings matter and roads matter and budgets matter, but people, people are where everything begins."
The city has not only a woman mayor and woman council president, but also a majority of women on the City Council for the first time in its history.
Ceremonies were held in Council Chambers on Thursday morning, with state Rep. John Barrett III and city department heads in attendance. Family and friends filled the seats to see the new council and School Committee members take their oaths.
A new government took the reins at City Hall on New Year's Day, pledging to move North Adams forward with compassion and accountability. click for more
Samuel Currence served his country in the Air Force with distinction, professionalism and unparalleled humility from 1962 to 1985, retiring as a technical sergeant. click for more