Rural Missouri - February 2014 - (Page 5)
Hart to Heart
Your co-op is never alone
B
by Barry Hart
bhart@amec.coop
ack in December 1948, the
leaders of Missouri's electric
cooperatives knew they had a
problem to solve. The goal of
providing electricity to every person
who wanted it was nearly complete.
Members who had experienced the
life-changing benefits of electricity
were no longer content to write postcards when their service went down.
Dairy farmers had added to their
herds now that milking could be done
electrically. Families held fake funerals
for their coal-oil lamps, so they were
left in the dark when the power went
out. Electric heat was catching on,
and new homes were being built with
no backup way to keep warm.
Earlier, those leaders had formed
the Missouri State Rural Electrification Association to share ideas on
how to make their cooperatives more
efficient. Through that association,
Boone Electric Cooperative's Manager
R.J. Martin proposed a bold plan.
Martin wanted to use one of the
seven cooperative principles - cooperation among cooperatives - to
speed power restoration after a major
storm. Most electric cooperatives at
the time only had a handful of line-
men. This was sufficient under normal
day-to-day operations.
But after a major storm, it could
take a long time for the crews to make
repairs. Martin's idea was to call on
systems out of harm's way to lend a
hand.
In one of those cases of extreme
irony, it was Martin's
cooperative that sent
out the first frantic
"mayday" just one
month later. The great
ice storm of 1949 hit
central Missouri hard,
and Boone Electric's
lines were ravaged by
the weight of heavy ice.
Martin's plea for help
was answered by three
men and a pickup truck
from Farmers' Electric in
Chillicothe. This wasn't
near enough assistance,
but more calls for help had to be
relayed around the state by the Highway Patrol's radios since no phones
were operating.
Eventually, crews from Black River
Electric, Howell-Oregon Electric,
Intercounty Electric and Scott-New
Madrid-Mississippi (now SEMO) Electric responded in force.
Howell-Oregon and
Three Rivers Electric
also sent crews to assist
Callaway Electric.
From such humble
beginnings, the mutual
assistance program
coordinated by the
Association of Missouri Electric Cooperatives now works like a
well-oiled machine.
A manager at an electric cooperative today
whose system has more
"Thanks to the cooperative way, Missouri's
electric cooperatives know someone always has
their back."
Barry Hart
outages than it can quickly handle
needs to make just one phone call and
help is on the way.
You wouldn't be happy if your coop hired more people than it could
keep busy. Thanks to this program,
that doesn't need to happen.
With each storm that strikes,
those involved meet after the power
is restored to analyze the response
and make suggestions for improving
the plan. In December, for example,
crews were dispatched from central
Missouri to SEMO Electric before the
storm hit. Their trucks were loaded
with materials in advance, and they
were well rested before the first outages occurred. As a result, repairs were
made before most members knew
they were without power.
We've also extended our assistance
- and calls for help - to states as far
away as the Gulf Coast to ensure you
spend as little time without electricity
as possible.
No one likes to be alone during
times of crisis. Thanks to the cooperative way, Missouri's electric cooperatives know someone always has their
back.
Hart is the executive vice president of
the Association of Missouri Electric Cooperatives.
Guest Column
Navigating the health insurance market
T
by Nanette Foster Reilly
info@ruralmissouri.coop
hanks to the Affordable Care
Act, about 85 percent of
Americans who already have
health insurance are seeing
their benefits and coverage better protected and seeing enhanced benefits.
For example, insurance companies
can no longer impose lifetime limits
on your health insurance benefits so
your insurance company can't stop
paying its share once you hit a certain
dollar amount.
At least 80 percent of your premium dollar now has to be directed
to pay for your health-care benefits,
and not overhead such as salaries and
bonuses for insurance company executives. If less than 80 percent is used
for health-care benefits, your insurance company will owe you a rebate
at the end of the year. Also, young
adults up to the age of 26 can stay on
their parent's insurance. These are just
a few examples of the benefits of the
Affordable Care Act law since it was
implemented in 2010.
Uninsured Americans, roughly 15
percent of the nation's population,
will finally gain access to quality,
affordable health care from private
health insurance companies. Initial
enrollment began Oct. 1, through a
new way to shop for health insurance.
The Health Insurance Marketplace
gives Americans who are uninsured,
or who buy their own coverage, a
whole new way to shop for coverage.
All private health insurance plans
that operate in the marketplace are
required to cover a comprehensive set
of benefits, including physician visits,
preventive care, hospital stays and prescriptions. Discrimination
based on gender and
pre-existing conditions
is banned. Many individuals and families
will qualify for a break
on their monthly premium and other out-ofpocket costs, depending on their income,
through advanced tax
credits or through costsharing reductions. Be
sure to include your
income on your application to find
out if you qualify for this help.
With nearly half of all marketplaceeligible uninsured young adults able
to get coverage at $50 or less per
month, the health-care law is delivering the quality, affordable coverage
people are looking for.
It is important for consumers to
know that starting in
2014, the law says that
individuals of all ages,
including children,
must have minimum
essential health coverage, qualify for an
exemption or make a
shared responsibility
payment when filing
their federal income
tax return.
Consumers need to
know that an accident
causing a broken limb
can cost upward of
"Please educate yourself and others about the
Health Insurance Marketplace and what it can
offer you or others you know who may not have
health insurance."
Nanette Foster Reilly
FEBRUARY 2014
$7,500, and a three-day hospital stay
can cost thousands of dollars, out of
pocket, without health insurance. In
some cases, emergency health-care
costs could unnecessarily bankrupt
individuals and families. Health insurance coverage through the marketplace can be peace of mind.
To enroll:
* apply online at healthcare.gov;
* call 1-800-318-2596 (TTY: 1-855889-4325) 24 hours a day, 7 days a
week; or
* find in-person help from certified
assistants in your area. Go to www.
localhelp.healthcare.gov and enter
your zip code or city and state.
Initial enrollment runs through
March 31. Be sure to make your first
month's premium payment after
you have enrolled in a health plan,
and check directly with your plan to
ensure that your application for coverage is complete and when it becomes
effective.
Please educate yourself and others
about the Health Insurance Marketplace and what it can offer you or
others you know who may not have
health insurance. It could be peace of
mind for years to come.
Reilly is consortium administrator for
the Centers for Medicare & Medicaid Services Kansas City regional office.
5
http://www.healthcare.gov
http://localhelp.healthcare.gov
http://localhelp.healthcare.gov
Table of Contents for the Digital Edition of Rural Missouri - February 2014
Rural Missouri - February 2014
Contents
Comments
Columns
Ministering to motorists
A mid-winter read
Fighting more than fires
Outdoors
Out of the Way Eats
Metal & music
Honest Abe
Hearth and Home
The Missouri Dinosaur
Around Missouri
Marketplace
Neighbors
Just4Kids
Rural Missouri - February 2014
https://www.nxtbook.com/nxtbooks/ruralmissouri/202405
https://www.nxtbook.com/nxtbooks/ruralmissouri/202404
https://www.nxtbook.com/nxtbooks/ruralmissouri/202403
https://www.nxtbook.com/nxtbooks/ruralmissouri/202402
https://www.nxtbook.com/nxtbooks/ruralmissouri/202401
https://www.nxtbook.com/nxtbooks/ruralmissouri/202312
https://www.nxtbook.com/nxtbooks/ruralmissouri/202311
https://www.nxtbook.com/nxtbooks/ruralmissouri/202310
https://www.nxtbook.com/nxtbooks/ruralmissouri/202309
https://www.nxtbook.com/nxtbooks/ruralmissouri/202308
https://www.nxtbook.com/nxtbooks/ruralmissouri/202307
https://www.nxtbook.com/nxtbooks/ruralmissouri/202306
https://www.nxtbook.com/nxtbooks/ruralmissouri/202305
https://www.nxtbook.com/nxtbooks/ruralmissouri/202304
https://www.nxtbook.com/nxtbooks/ruralmissouri/202303
https://www.nxtbook.com/nxtbooks/ruralmissouri/202302
https://www.nxtbook.com/nxtbooks/ruralmissouri/202301
https://www.nxtbook.com/nxtbooks/ruralmissouri/202212
https://www.nxtbook.com/nxtbooks/ruralmissouri/202211
https://www.nxtbook.com/nxtbooks/ruralmissouri/202210
https://www.nxtbook.com/nxtbooks/ruralmissouri/202209
https://www.nxtbook.com/nxtbooks/ruralmissouri/202208
https://www.nxtbook.com/nxtbooks/ruralmissouri/202207
https://www.nxtbook.com/nxtbooks/ruralmissouri/202206
https://www.nxtbook.com/nxtbooks/ruralmissouri/202205
https://www.nxtbook.com/nxtbooks/ruralmissouri/202204
https://www.nxtbook.com/nxtbooks/ruralmissouri/202203
https://www.nxtbook.com/nxtbooks/ruralmissouri/202202
https://www.nxtbook.com/nxtbooks/ruralmissouri/202201
https://www.nxtbook.com/nxtbooks/ruralmissouri/202112
https://www.nxtbook.com/nxtbooks/ruralmissouri/202111
https://www.nxtbook.com/nxtbooks/ruralmissouri/202110
https://www.nxtbook.com/nxtbooks/ruralmissouri/202109
https://www.nxtbook.com/nxtbooks/ruralmissouri/202108
https://www.nxtbook.com/nxtbooks/ruralmissouri/202107
https://www.nxtbook.com/nxtbooks/ruralmissouri/202106
https://www.nxtbook.com/nxtbooks/ruralmissouri/202105
https://www.nxtbook.com/nxtbooks/ruralmissouri/202104
https://www.nxtbook.com/nxtbooks/ruralmissouri/202103
https://www.nxtbook.com/nxtbooks/ruralmissouri/202102
https://www.nxtbook.com/nxtbooks/ruralmissouri/202101
https://www.nxtbook.com/nxtbooks/ruralmissouri/202012
https://www.nxtbook.com/nxtbooks/ruralmissouri/202011
https://www.nxtbook.com/nxtbooks/ruralmissouri/202010
https://www.nxtbook.com/nxtbooks/ruralmissouri/202009
https://www.nxtbook.com/nxtbooks/ruralmissouri/202008
https://www.nxtbook.com/nxtbooks/ruralmissouri/202007
https://www.nxtbook.com/nxtbooks/ruralmissouri/202006
https://www.nxtbook.com/nxtbooks/ruralmissouri/202005
https://www.nxtbook.com/nxtbooks/ruralmissouri/202004
https://www.nxtbook.com/nxtbooks/ruralmissouri/202003
https://www.nxtbook.com/nxtbooks/ruralmissouri/202002
https://www.nxtbook.com/nxtbooks/ruralmissouri/202001
https://www.nxtbook.com/nxtbooks/ruralmissouri/201912
https://www.nxtbook.com/nxtbooks/ruralmissouri/201911
https://www.nxtbook.com/nxtbooks/ruralmissouri/201910
https://www.nxtbook.com/nxtbooks/ruralmissouri/201909
https://www.nxtbook.com/nxtbooks/ruralmissouri/201908
https://www.nxtbook.com/nxtbooks/ruralmissouri/201907
https://www.nxtbook.com/nxtbooks/ruralmissouri/201906
https://www.nxtbook.com/nxtbooks/ruralmissouri/201905
https://www.nxtbook.com/nxtbooks/ruralmissouri/201904
https://www.nxtbook.com/nxtbooks/ruralmissouri/201903
https://www.nxtbook.com/nxtbooks/ruralmissouri/201902
https://www.nxtbook.com/nxtbooks/ruralmissouri/201901
https://www.nxtbook.com/nxtbooks/ruralmissouri/201812
https://www.nxtbook.com/nxtbooks/ruralmissouri/201811
https://www.nxtbook.com/nxtbooks/ruralmissouri/201810
https://www.nxtbook.com/nxtbooks/ruralmissouri/201809
https://www.nxtbook.com/nxtbooks/ruralmissouri/201808
https://www.nxtbook.com/nxtbooks/ruralmissouri/201807
https://www.nxtbook.com/nxtbooks/ruralmissouri/201806
https://www.nxtbook.com/nxtbooks/ruralmissouri/201805
https://www.nxtbook.com/nxtbooks/ruralmissouri/201804
https://www.nxtbook.com/nxtbooks/ruralmissouri/201803
https://www.nxtbook.com/nxtbooks/ruralmissouri/201802
https://www.nxtbook.com/nxtbooks/ruralmissouri/201801
https://www.nxtbook.com/nxtbooks/ruralmissouri/201712
https://www.nxtbook.com/nxtbooks/ruralmissouri/201711
https://www.nxtbook.com/nxtbooks/ruralmissouri/201710
https://www.nxtbook.com/nxtbooks/ruralmissouri/201709
https://www.nxtbook.com/nxtbooks/ruralmissouri/201708
https://www.nxtbook.com/nxtbooks/ruralmissouri/201707
https://www.nxtbook.com/nxtbooks/ruralmissouri/201706
https://www.nxtbook.com/nxtbooks/ruralmissouri/201705
https://www.nxtbook.com/nxtbooks/ruralmissouri/201704
https://www.nxtbook.com/nxtbooks/ruralmissouri/201703
https://www.nxtbook.com/nxtbooks/ruralmissouri/201702
https://www.nxtbook.com/nxtbooks/ruralmissouri/201701
https://www.nxtbook.com/nxtbooks/ruralmissouri/201612
https://www.nxtbook.com/nxtbooks/ruralmissouri/201611
https://www.nxtbook.com/nxtbooks/ruralmissouri/201610
https://www.nxtbook.com/nxtbooks/ruralmissouri/201609
https://www.nxtbook.com/nxtbooks/ruralmissouri/201608
https://www.nxtbook.com/nxtbooks/ruralmissouri/201607
https://www.nxtbook.com/nxtbooks/ruralmissouri/201606
https://www.nxtbook.com/nxtbooks/ruralmissouri/201605
https://www.nxtbook.com/nxtbooks/ruralmissouri/201604
https://www.nxtbook.com/nxtbooks/ruralmissouri/201603
https://www.nxtbook.com/nxtbooks/ruralmissouri/201602
https://www.nxtbook.com/nxtbooks/ruralmissouri/201601
https://www.nxtbook.com/nxtbooks/ruralmissouri/201512
https://www.nxtbook.com/nxtbooks/ruralmissouri/201511
https://www.nxtbook.com/nxtbooks/ruralmissouri/201510
https://www.nxtbook.com/nxtbooks/ruralmissouri/201509
https://www.nxtbook.com/nxtbooks/ruralmissouri/201508
https://www.nxtbook.com/nxtbooks/ruralmissouri/201507
https://www.nxtbook.com/nxtbooks/ruralmissouri/201506
https://www.nxtbook.com/nxtbooks/ruralmissouri/201505
https://www.nxtbook.com/nxtbooks/ruralmissouri/201504
https://www.nxtbook.com/nxtbooks/ruralmissouri/201503
https://www.nxtbook.com/nxtbooks/ruralmissouri/201502
https://www.nxtbook.com/nxtbooks/ruralmissouri/201501
https://www.nxtbook.com/nxtbooks/ruralmissouri/201412
https://www.nxtbook.com/nxtbooks/ruralmissouri/201411
https://www.nxtbook.com/nxtbooks/ruralmissouri/201410
https://www.nxtbook.com/nxtbooks/ruralmissouri/201409
https://www.nxtbook.com/nxtbooks/ruralmissouri/201408
https://www.nxtbook.com/nxtbooks/ruralmissouri/201407
https://www.nxtbook.com/nxtbooks/ruralmissouri/201406
https://www.nxtbook.com/nxtbooks/ruralmissouri/201405
https://www.nxtbook.com/nxtbooks/ruralmissouri/201404
https://www.nxtbook.com/nxtbooks/ruralmissouri/201403
https://www.nxtbook.com/nxtbooks/ruralmissouri/201402
https://www.nxtbook.com/nxtbooks/ruralmissouri/201401
https://www.nxtbook.com/nxtbooks/ruralmissouri/201312
https://www.nxtbook.com/nxtbooks/ruralmissouri/201311
https://www.nxtbook.com/nxtbooks/ruralmissouri/201310
https://www.nxtbook.com/nxtbooks/ruralmissouri/201309
https://www.nxtbook.com/nxtbooks/ruralmissouri/201308
https://www.nxtbook.com/nxtbooks/ruralmissouri/201307
https://www.nxtbook.com/nxtbooks/ruralmissouri/201306
https://www.nxtbook.com/nxtbooks/ruralmissouri/201305
https://www.nxtbook.com/nxtbooks/ruralmissouri/201304
https://www.nxtbook.com/nxtbooks/ruralmissouri/201303
https://www.nxtbook.com/nxtbooks/ruralmissouri/201302
https://www.nxtbook.com/nxtbooks/ruralmissouri/201301
https://www.nxtbook.com/nxtbooks/ruralmissouri/201212
https://www.nxtbook.com/nxtbooks/ruralmissouri/201211
https://www.nxtbook.com/nxtbooks/ruralmissouri/201210
https://www.nxtbook.com/nxtbooks/ruralmissouri/201209
https://www.nxtbook.com/nxtbooks/ruralmissouri/201208
https://www.nxtbook.com/nxtbooks/ruralmissouri/201207
https://www.nxtbook.com/nxtbooks/ruralmissouri/201206
https://www.nxtbook.com/nxtbooks/ruralmissouri/201205
https://www.nxtbook.com/nxtbooks/ruralmissouri/201204
https://www.nxtbook.com/nxtbooks/ruralmissouri/201203
https://www.nxtbook.com/nxtbooks/ruralmissouri/201202
https://www.nxtbook.com/nxtbooks/ruralmissouri/201201
https://www.nxtbook.com/nxtbooks/ruralmissouri/201112
https://www.nxtbook.com/nxtbooks/ruralmissouri/201111
https://www.nxtbook.com/nxtbooks/ruralmissouri/201110
https://www.nxtbook.com/nxtbooks/ruralmissouri/201109
https://www.nxtbook.com/nxtbooks/ruralmissouri/201108
https://www.nxtbook.com/nxtbooks/ruralmissouri/201107
https://www.nxtbook.com/nxtbooks/ruralmissouri/201106
https://www.nxtbook.com/nxtbooks/ruralmissouri/201105
https://www.nxtbook.com/nxtbooks/ruralmissouri/201104
https://www.nxtbook.com/nxtbooks/ruralmissouri/videotest
https://www.nxtbook.com/nxtbooks/ruralmissouri/201103
https://www.nxtbook.com/nxtbooks/ruralmissouri/201102
https://www.nxtbook.com/nxtbooks/ruralmissouri/201101
https://www.nxtbook.com/nxtbooks/ruralmissouri/201012
https://www.nxtbook.com/nxtbooks/ruralmissouri/201011
https://www.nxtbook.com/nxtbooks/ruralmissouri/201010
https://www.nxtbookmedia.com