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Cobbs Allen Hires Cody Forehand, Growing Tulsa, OK, Location

Posted by Elizabeth Sturgeon on February 19, 2019


Cody Forehand (left) with Tim Kelley, VP of Cobbs Allen's Tulsa office (right)

Cobbs Allen welcomes Cody Forehand to our Tulsa office as Vice President of Employee Benefits. Forehand brings extensive knowledge of the healthcare industry and will lead employee benefits efforts for the office.

“I’m excited about the opportunity to bring Cobbs Allen’s benefits platform to the Tulsa area,” Forehand said. “Their Guideline Process integrates not just placement, but alternative funding opportunities, innovative ways to reduce costs, and better employee engagement strategies that will help drive down costs for our clients’ health insurance programs.”

He comes to Cobbs Allen from United Healthcare, where he managed Oklahoma large-group sales for three years.

“Cody brings experience and knowledge of the health insurance marketplace that will make him an asset to current and future clients,” said Tim Kelley, Vice President of the Tulsa office.

Along with his experience in healthcare, Forehand has also worked in the institutional wealth management field. He graduated from Oklahoma State University with a degree in finance and played on the university’s baseball team.

“Tim has done a fantastic job getting our Tulsa office off the ground over the past year,” said president Bruce Denson Jr. “Someone as talented as Cody will only help us accelerate our growth.”

Cobbs Allen is pleased to expand our national presence with the growing office in Tulsa, including more dedicated employee benefits services in our southwest offices.

Cobbs Allen Welcomes Matt Reid and Jeff Latham

Posted by Elizabeth Sturgeon on February 18, 2019


Cobbs Allen is pleased to introduce Matt Reid and Jeff Latham, who just joined our team in Birmingham.

Matt joined as a Client Executive in our Employee Benefits department, coming from Tennessee where he worked as a client manager at Cigna for two years. He graduated from the Cigna Sales Academy in 2017 and participated in a management program through Enterprise. He received his bachelor’s degree in marketing from the University of Alabama.

Jeff comes as a Property Claims Manager with almost 20 years of experience in insurance. He spent 17 years at McGriff Insurance Services, most recently serving as the Vice President in the energy and marine claims division. Jeff also has a background in commercial and construction claims and medical malpractice claim analysis. He graduated from the University of Alabama with a degree in communications and information sciences.

Welcome, Matt and Jeff!

Medicare Part D Disclosures due by March 1, 2019 for Calendar Year Plans

Posted by Megan Zimmerman on February 1, 2019


Employers who sponsor group health plans that provide prescription drug coverage must complete an online disclosure to CMS (Centers for Medicare & Medicaid Services) certifying whether their prescription drug coverage is creditable or non-creditable.

The disclosure must be made to CMS on an annual basis or whenever a change occurs to the group health plan’s prescription drug coverage that affects the creditability of the plan. The Medicare Part D disclosure notice must be made during the instances below:

  • Within 60 days after the beginning of the plan year (renewal, contract year, etc.) for which the employer is providing the disclosure to CMS
  • For group health plans that begin January 1st disclosure must be made by March 1st (For example, plans beginning January 1, 2019 must disclose to CMS by March 1, 2019)
  • For non-calendar year health plans, disclosure is due within 60 days from the beginning of the plan year (For example, plans beginning May 1st must disclose to CMS by July 1st)
  • Within 30 days after the termination of a plan’s prescription drug coverage; and
  • Within 30 days after any change in the plan’s creditable coverage status

Employers are also required to disclose to individuals who are eligible for Medicare Part D coverage whether the plan’s prescription drug coverage is creditable or non-creditable. This notice must be distributed each year before October 15th and other times throughout the year based upon certain events. It is best practice to distribute this notice to all plan participants as it may be difficult for an employer to know who is eligible for Medicare Part D coverage (these individuals may include active employees, employees on leave, retirees, dependents and COBRA continuants). The best practice is to include this notice in annual open enrollment materials and to provide it new hires throughout the year with documentation that the notice was provided.

What Employers Need to Know

Employers should work with their carriers/TPA/PBM/actuaries to verify if their group health plans offer creditable or non-creditable prescription drug coverage. Employers should visit CMS’ website to complete their disclosure within the requisite timeframes. CMS’ website also includes links to their disclosure forminstructions, and model notices.

Click here for additional information.

Cobbs Allen Welcomes Terri, Elizabeth, and Justin

Posted by Caitlin Miley on January 24, 2019


Cobbs Allen is excited to welcome three new associates at the start of the new year—Terri Rouse, Elizabeth Sturgeon, and Justin Moseley.

Terri Rouse comes to Cobbs Allen as an Analytics Consultant to the Employee Benefits department. Terri has more than 35 years’ experience in the industry, working in various roles for BlueCross BlueShield of Alabama and McGriff Insurance Services. She is a graduate of the University of Alabama with a degree in Business.

Elizabeth Sturgeon is the Communications Intern for the spring semester. She will graduate in May with a degree in English from Samford University. Elizabeth writes for Vestavia Hills Magazine, Homewood Life and Mountain Brook Magazine and volunteers with Desert Island Supply Company.

Justin Moseley joins Cobbs Allen as an Account Manager in our Personal Lines division. Justin has more than six years’ experience in both customer service and sales roles, most recently working for State Farm. Justin volunteers with the Alexander City Meals on Wheels program and is a member of Lake Martin Young Professionals.


Cobbs Allen Continues to Grow

Posted by Caitlin Miley on December 21, 2018


Cobbs Allen has welcomed several new associates over the past few months – we are excited to have each one of them on our team and look forward to all they will achieve. Please join us in welcoming Jack Meikle, Jim Cooley, Melanie Hunter, Hunt Guyton, and Ben Campbell

Jack Meikle joined our Houston office as Risk Consultant. Jack comes with two years’ experience in the insurance industry and three years’ experience working Offshore North Sea. He currently serves as the Finance Director for the Young Risk Professionals of Houston. Jack graduated from the University of Houston with a Bachelor of Business Administration in Finance with a specialty in Global Energy Management.

Our Loss Control team welcomed Jim Cooley as Senior Loss Control Consultant. Jim has more than 18 years’ experience in the safety field – most recently serving as Compliance Assistance Specialist with OSHA. He is also retired from the U.S. Army with 21 years of active duty. Jim graduated from Columbia Southern University with a Bachelor of Science in Occupational Safety and Health.

We welcomed Melanie Hunter to our Property & Casualty service team as a Junior Account Manager. Melanie has 10 years’ experience in insurance, beginning her career as a Senior Account Representative at State Farm; she most recently spent five years in the underwriting department at ProAssurance. Melanie is working to earn additional insurance designations including the RPLU and AINS.

Previous Loss Control Intern, Hunt Guyton, joined full-time as a Loss Control Consultant. Hunt has been interning with us for the last six months, and we are thrilled to have him on board permanently! He is a graduate from Jacksonville State University, where he studied Occupational Health and Safety Management.

The newest addition to our team, Ben Campbell, joins our Birmingham office as a Risk Consultant. Ben comes to Cobbs Allen after working in sales for AmerisourceBergen for more than 17 years, serving in B2B sales as an Account Manager, Sales Executive, and Regional Sales Manager. Outside of his career, he currently serves as the President and Chairman of the Board for Wise Guys Ministries. Ben graduated from Auburn University with a bachelor’s degree in Health Promotion.

Furnishing Deadline Delayed for 2018 ACA Reporting

Posted by Megan Zimmerman on December 12, 2018


Employer Furnishing Deadlines

The IRS has delayed the 2018 furnishing deadline for ACA reporting, under Section 6055 and Section 6056. As a result, health insurers, self-insuring employers, other health coverage providers and applicable large employers now have until March 4, 2019 (the original deadline was January 31, 2019) to provide Forms 1095-B or 1095-C to employees or covered individuals. This is an automatic extension for all reporting entities; therefore, the IRS will not grant any additional extensions of time to furnish the required forms 1095-B or 1095-C to employees or covered individuals.

IRS Filing Deadlines

However, the due dates for filing returns (Forms 1094-B, 1095-B, 1094-C or 1095-C) with the IRS for 2018 have not been extended. The due dates to file returns with the IRS are below:

  • February 28, 2019 if filing paper forms
  • April 1, 2019 if filing electronically (since March 31, 2019 is a Sunday) electronic filing is required if filing more than 250 Forms 1095-C for 2018

Because the due dates for filing forms with the IRS are unchanged, extensions for filing these returns are still available under the traditional rules by submitting a Form 8809, including the rules for hardship conditions.

Employers who fail to meet the deadlines for furnishing and filing the forms are subject to penalties; however, even if employers or other providers miss the deadline efforts should continue to be made to furnish and file the forms to potentially mitigate penalties.

Good Faith Transition Relief

In addition, the IRS extended transition relief from penalties for entities that can prove a good faith effort was made to comply with 2018 reporting requirements despite incorrect or incomplete information. For example, relief exists for incorrect taxpayer identification numbers and dates of birth as well as other required information. There is no relief for not making a good faith effort to comply with reporting requirements or failing to furnish or file forms in a timely manner.

What Individuals Should Know

Individuals may not receive Forms 1095-B or 1095-C in time to file 2018 tax returns. If the forms are available, individuals should include the forms in their 2018 tax filing but should not wait for the forms to file 2018 tax returns. The forms should be kept with other tax records.

What Employers Should Know

Employers should continue with their efforts to furnish required forms to individuals as soon as they are available as well as to file the required forms with the IRS within the stated deadlines in order to avoid penalties.   

Click here  for additional information.

Cobbs Allen Welcomes Phil Lukefahr

Posted by Caitlin Miley on December 10, 2018

We are pleased to welcome Phil Lukefahr to our Energy Practice Group team in Houston.

Phil comes to Cobbs Allen with more than 10 years’ experience in the energy insurance industry—most recently serving as Senior Vice President and E&P Sales Leader at Aon in Houston. Throughout his career, he has represented clients in the upstream, midstream, and oilfield services sectors, with clientele spanning from small- and middle-market all the way to publicly traded oil and gas companies.

This addition is validation that our privately-held, exclusively client-driven model is the preferred home of the new generation of risk consultants—especially during this unprecedented period of cyclical broker consolidation.

Welcome, Phil!

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