2019 Limits for HSA and HDHP Health Plans

Michael Berwanger
By Michael Berwanger, JD, Director, Quality Management & Compliance

 

The IRS has released Revenue Procedure 2018-30, setting dollar limitations for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for calendar year 2019. The contribution, deductible, and out-of-pocket limitations for 2019 are shown in the table below (2018 and 2017 limits are included for reference).

For guidance on HSAs, please review the IRS frequently asked questions pageMedCost

2019 Limits HSA

 

2019 Limits HSA

 

2019 Limits HSA

 

 

 

 

 

 

 

 

 

 

 

 

This blog post should not be considered as legal advice.

7 Care Management Results: Balancing Medical Care, Benefit Costs

How Can Employers Balance Medical Care & Benefit Costs?

MedCost Care Management programs are designed to conserve health care costs for our clients while improving an individual’s health.

Our nursing staff averages 22 years of experience; and includes board-certified case managers and nurses certified in intrinsic coaching and grief counseling.

Here are our 2017 results that exceed industry averages, resulting in lower health care costs for our clients.

Care Management

Care Management Resources

Want to know more about how to manage medical costs? These resources give employers more details:

  1. Complex Case Management 
  2. Inpatient Management
  3. Outpatient Management
  4. Telehealth Services
  5. Nurse Health Coaching
  6. Maternity Management
  7. Behavioral Health

To print this infographic, click on the title and scroll to “PRINT THIS PAGE” at the bottom.MedCost

HSA 2018 Contribution Limits Adjusted by IRS

Michael Berwanger

By Michael Berwanger, JD, Director, Quality Management & Compliance

On March 5, 2018, as a result of the tax reform law (P.L. 115-97), the IRS released Bulletin No. 2018-10, adjusting dollar limitations for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for 2018.

The only change impacting HSAs was to adjust the contribution limits for family coverage from $6,900 to $6,850.

HSA 2018 Contribution Limits

HSA 2018 Contribution Limits: FAQs

For guidance on HSAs, please review the IRS frequently asked questions pageMedCost

This blog post should not be considered as legal advice.

 

How to Help Employees Become HEALTHY & WHOLE (Video)

Ready to Balance the Care of Your Employees
with the Financial Health of Your Company?
HEALTHY & WHOLE

WATCH VIDEO NOW

  • Annual health care costs in America are $3.2 trillion.
  • Employees average 5.3 unplanned sick days per year.
  • That productivity lost is more than 1 and 1/2 hours of an 8-hour day.

When disease management and wellness programs combine, employers average $30 per member per month in decreased health care costs.

HEALTHY & WHOLE

That’s why we’ve developed a comprehensive program called HEALTHY & WHOLE.

HEALTHY & WHOLE encompasses physical, emotional, financial and social health – and
greater job satisfaction for employees.

The goal is to help employers balance the care of employees with the financial health of your
company.

HEALTHY & WHOLE Includes Disease Management

Our nurse health coaches provide hands-on support, helping members reduce blood
pressure, glucose levels and lose weight.

And for complex conditions, case managers provide expert help for families in very difficult
situations.

Over 73% of businesses offer corporate wellness to attract and retain talent, and strengthen
company culture. Another advantage is to encourage enrollment in consumer-directed health
plans, a growing trend.

HEALTHY & WHOLE Supports Lifestyle Changes

HEALTHY & WHOLE addresses not only members with chronic diseases, but the 75% who
need support with lifestyle changes.

Lifestyle changes – even small ones – create measurable outcomes of better health, productivity and bottom line.

The Results of Corporate Wellness Programs

HEALTHY & WHOLE

http://www.nahueducationfoundation.org/materials/WellnessBrochure.pdf

Implementing corporate wellness programs dropped claims costs -28%, doctor visits -17% and hospital admissions -63%.

This same study showed disability costs down -34% and injury incidence down -25%.

An employer we worked with said that he is passionate about having happy employees. If they
are happy, they will be productive and engaged.

A Program That Benefits Employees and Companies

Lifestyle coaching. Financial education. Fitness. Nurse health coaching. Long-term medical
conditions. HEALTHY & WHOLE serves everyone’s needs, including your company’s.

We want to see everyone HEALTHY & WHOLE. That’s why it’s important to us to balance the care of your employees with the financial health of your company.MedCost

HEALTHY & WHOLE

PLAY VIDEO

(This post is a transcript from the video, “MedCost HEALTHY & WHOLE.”)

For more information on wellness consultations for employers, email Kati Davis.

 

FDA Approved 46 Novel Drugs in 2017

MedCost pharmacist

By Zafeira Sarrimanolis, PharmD, MedCost Clinical Consultant

In 2016 we saw 22 brand-new novel drugs hit the market. This year the FDA has approved 46 novel drugs.

A novel drug is an innovative product with a chemical structure that has never been FDA approved before and usually meets a previously unmet medical need.

In 2017, these novel drug approvals were accompanied by an influx of specialty and brand-name drugs to the market – many treating common chronic conditions like diabetes, asthma and RA.

It is a very exciting time in the healthcare world as these new drugs significantly advance patient care. However, these treatments come at a cost… literally.

This is not a comprehensive list of new-to-market drugs, and does not include all 46 novel drugs, but is a snapshot of key 2017 FDA approvals.

It is hard to predict what the FDA and drug manufacturers will do in 2018. However, we should expect even more high-cost drugs to be approved and available for members.

Hopefully these will be accompanied by the influx of generics and biosimilars to the market – which may help off-set rising drug costs.

One thing we know for sure is that managing drug costs will continue to be key. We employ cost-management strategies such as:

  • Formulary management
  • Prior authorizations
  • Step-therapy programs
  • Regulation of copay cards

All of these strategies will be foundational in conserving costs.MedCost

Drug
Approval Date
Approved Use(s)
Estimated Annual Cost
Notes
Hemlibra

(emicizumab)

11/16/17 Hemophilia A with FVIII inhibitors $450,000
Mepsevii

(vestronidase alfa-vjbk)

11/15/17 Mucopolysaccharidosis VII (MPS VII, Sly syndrome) $375,000
Fasenra

(benralizumab)

11/14/17 Severe asthma (add-on treatment) $30,000
Yescarta

(axicabtagene ciloleucel)

10/18/17 B-cell lymphoma $370,000
Verzenio

(abemaciclib)

9/28/17 Breast cancer $130,000
Aliqopa

(copanlisib)

9/14/17 Relapsed follicular lymphoma $160,000
Kymriah

(tisagenlecleucel)

8/30/17 Acute lymphocytic leukemia $475,000 per treatment First gene therapy ever approved in the US
Bespona

(inotuzumab ozogamicin)

8/17/17 Relapsed or refractory acute lymphoblastic leukemia $170,000

 

Idhifa

(enasidenib)

8/1/17 Relapsed or refractory acute myeloid leukemia $280,000

 

Vosevi

(sofosbuvir, velpatasvir, voxilaprevir)

7/18/17 Hepatitis C $75,000 for 3-month treatment
Nerlynx

(neratinib maleate)

7/17/17 Reduce risk of breast cancer returning $125,000
Tremfya

(guselkumab)

7/13/17 Moderate-to-severe plaque psoriasis

 

$58,000
Endari

(L-gultamine)

7/7/17 Sickle cell disease $11,000 – $18,000 Second drug approved for Sickle Cell in the US
Haegarda

(C1 esterase inhibitor)

6/22/17 Hereditary angioedema $400,000
Fibryna

(fibrinogen)

6/7/17 Congenital fibrinogen deficiency n/a Pending launch date
Rebinyn

(coagulation factor IX)

5/31/17 Hemophilia B n/a Expected launch early 2018
Kevzara

(sarilumab)

5/22/17 Rheumatoid arthritis $39,000 Second-line agent
Radicava

(edaravone)

5/5/17 ALS $145,000 Second drug ever approved for ALS
Ryadapt

(midostaurin)

4/28/17 Acute myeloid leukemia $180,000
Brineura

(cerliponase alfa)

4/27/17 Batten disease

 

$700,000 Very rare, inherited condition
Ingrezza

(valbenazine)

4/11/17 Tardive dyskinesia $64,000 – $128,000 depending on dose
Ocrevus

(ocrelizumab)

3/28/17 Multiple sclerosis $65,000 (~20% less than current treatments)
Dupixent

(dupilumab)

3/28/17 Moderate-to-severe eczema $37,000
Zejula

(niraparid)

3/27/17 Epithelial ovarian, fallopian tube or primary peritoneal cancers $160,000
Bavencio

(avelumab)

3/23/17 Merkel cell carcinoma $150,000
Kisqali

(ribociclib)

3/13/17 Breast cancer $130,000

 

 


Key sources:

 

(To print, click on the title and scroll to “PRINT THIS PAGE” at the bottom)

 

IRS Extends Deadline to Furnish 1095 Forms to Individuals

Michael BerwangerBy Michael Berwanger, JD, Director, Quality Management & Compliance

The IRS has announced good-faith transition relief for information reporting on Forms 1094 and 1095 for the 2017 tax year, mirroring guidance it provided for the 2016 tax year (see IRS Notice 2018-06 HERE).

Some notable highlights include:

Extension for Furnishing Statements to Individuals. 

The deadline for furnishing Forms 1095-B and 1095-C to individuals is extended by 30 days, from January 31 to March 2, 2018. There is no action necessary from self-funded health plans to take advantage of this extension, it is automatic.

Due to this extension, the discretionary 30-day extension is not available, and no further extensions may be obtained by application to the IRS.

No Extension for Filing Returns with the IRS.

The notice does not extend the due date for filing Forms 1094-B and 1094-C (and accompanying Forms 1095) with the IRS. Accordingly, the deadline remains February 28, 2018, for paper filings, and April 2, 2018, for electronic filings (see 2017 Forms 1094, 1095 B & C Released by IRS).

Please note, electronic filing is mandatory for entities required to file 250 or more Forms 1095. However, filers may obtain an automatic 30-day extension by filing Form 8809 on or before the regular due date.

2017 Forms 1094 1095Good Faith Penalty Relief.

The IRS will again provide penalty relief for entities that can show they have made good faith efforts at compliance.

The IRS reports that no penalties will be imposed on entities that report incorrect or incomplete information, either on statements furnished to individuals or returns filed with the IRS, if they can show they made good faith efforts to comply with the reporting requirements.

The notice specifies that the relief applies to missing and inaccurate taxpayer identification numbers and dates of birth, as well as other required information.

Penalty relief is not available to entities that fail to furnish statements or file returns, miss an applicable deadline, or are otherwise not making good faith efforts to comply.

Evidence of good faith efforts may include gathering necessary data and transmitting it to a third-party to prepare the required reports, testing the ability to transmit data to the IRS, and taking steps to ensure compliance for the 2018 tax year.

ACA deadlinesThose unable to meet the due dates are still encouraged to furnish and file as soon as possible, as the IRS says it will take such furnishing and filing into consideration when determining whether to abate penalties for reasonable cause.

Reasonable cause is distinct from good faith relief and requires, among other things, proof of significant mitigating factors or events beyond the reporting entity’s control.MedCost


MedCost is not a tax preparation company, and you may have additional tax obligations for other benefit plans that you offer to your employees. Please consult with your tax adviser for guidance.

This blog post should not be considered as legal advice.

GIVING BACK: 3 Reasons for Corporate Philanthropy

When Corporate Giving Becomes Personal
Giving Back

2017 Winston-Salem Heart & Stroke Walk (Photo by Patrick K. Smith)

By Debbie Pullen, Content Marketing Specialist

This year I had the privilege of participating in my company’s annual corporate sponsorship for the American Heart Association.

Our leadership felt passionate about supporting the annual Winston-Salem Heart & Stroke Walk, because of how local medical research is funded through national and area fundraising. Our nurses and support staff work daily with members recovering from heart attacks, strokes and other complex conditions.*

So we really had a “heart” for this issue.

The big surprise for me was how much my involvement would come to mean to me personally.

I discovered three wonderful reasons why companies give.

#1 REASON FOR GIVING BACK

Giving Back Aligns Company Actions with Company Values
Giving Back

Michelle at Soup Cook-Off

Our commitment to be major sponsors for the Heart & Stroke Walk originated with our executive leadership. They wanted every employee to have the chance to support company fundraisers and to walk the 1-, 2- or 4-mile route on November 11, 2017.

Fundraisers such as our Soup Cook-Off, Executive Embarrassment Challenge** and Basket Raffles progressively built excitement in the months leading up to the walk. Employees from every department signed posters, took photos shared on social media and contributed to our company total.

A spirit of anticipation grew as people talked in the break rooms about family or friends who had suffered heart disease or strokes. Employees shared their own stories about recovering from serious medical conditions (see “Heart Disease: Living Up to the Gift of Life“).

The MedCost principle of getting healthy and staying healthy was underscored over and over with social shares like this infographic from the Triad AHA.

Giving Back

American Heart Association

Facts such as “Heart disease is the #1 cause of death in the United States” were sobering. Even more sobering was this one:

80% of deaths from coronary artery disease are PREVENTABLE, due to obesity, lack of physical activity, heavy drinking, unhealthy diets and other factors.

Centers for Disease Control and Prevention

.

Our company found perfect symmetry with the American Heart Association’s missionto build healthier lives, free of heart diseases and stroke. As the saying goes, we put our money where our mouth is.

Beginning in 2016, MedCost became a major sponsor of Triad AHA’s annual Heart and Stroke Walk.

#2 REASON FOR GIVING BACK

Giving Back Defines What Community Is
Giving Back

(L-R, Sarah Fedele, Heath Combs, Kati Tsiolkas, Taylor Logeman, Kaitlin Hemric, Debbie Pullen at Wake Forest Innovation Quarter)

 

 

 

 

 

 

 

 

 

I collaborated with Sarah Fedele, Triad AHA Director of Communications and Marketing, to lead a monthly group of social media colleagues. We brainstormed promotions and event activities, while getting to know each other better.

Our group represented over 100 companies sponsoring the annual walk. These talented professionals from banking, health care, medical device manufacturing and other industries contributed a larger vision for corporate giving.

“AHA Heart and Stroke Walk is something very near and dear to us as a company. Working together with other local companies really defines what community is all about.”

  • Kati Tsiolkas, Brand Marketing Specialist, Endoscopy
    Cook Medical
Giving Back

(L-R, Sarah Diamont, Debbie Pullen, Edee Wilcox, Sarah Fedele, Kati Tsiolkas, Taylor Logeman)

Edee Wilcox, another key member of the social media team, said that working together for a common cause developed our understanding of community.

“Getting to know other social media admins in the area and supporting each other has helped increase appreciation for what we do collectively and individually in our community.”

We were seeing that all of us together could build a healthier community.

#3 REASON FOR GIVING BACK

Giving Back Benefits Our Health, Too

Something happened to me as I worked on promotions with our internal teams and sponsors from other industries in our area. The Heart and Stroke Walk became more than just a social responsibility.

It became more than a PR effort that would position MedCost’s reputation favorably.

The numbers began to talk to me.

Giving Back

  • About 60% of stroke deaths occur in females
  • 80% of strokes CAN BE PREVENTED.
  • Lowering your top number (systolic) by 20 mm Hg and your diastolic blood pressure by 10 mm Hg may decrease your risk of stroke and ischemic heart disease by about 50%.

I began to focus on improving my own health, along with conducting a successful charitable campaign.

I knew that MedCost helps employers avoid many unnecessary health costs through wise benefits administration. I knew that preserving employee health through regular screenings and annual physicals would keep medical conditions from escalating.

Giving BackBut I didn’t know how 100 companies working together could achieve AHA grants for $1.2 million for local heart and stroke research in our local medical schools and universities in 2016.

Sarah and Kelly in our social media group expressed it well.

“We are helping people to be aware of the warning signs of heart disease and stroke and  to make healthy lifestyle changes to prevent heart disease and stroke. We are building a true culture of health in Winston-Salem, Forsyth County and across North Carolina.”

Giving Back

Over 5,000 brave the cold for 2017 Winston-Salem Heart & Stroke Walk

 “Together we are so much more powerful and effective than we could ever be apart.”  – Kelly Minor, Marketing Communication Specialist at Piedmont Federal Savings Bank

Is it really more blessed to give than to receive?

Something happens when we think of others first. Extend our gifts, our time. A little bit of ourselves.

I’m thinking of my social media friends, who labored on behalf of their companies to raise much-needed funds for local and national research.

I’m thinking of heart and stroke victims affected by these top killers in America.

I’m thinking of 5,000 walkers who got out of bed on a freezing November morning to come downtown and bring hope for our community.

Giving back. Isn’t this the best way to celebrate the life we’ve been given? MedCost


*MedCost, which administers self-funded health plans for employers in NC, SC and VA, has long embraced a culture of generosity, both to employees and as a corporate citizen.

Giving Back

Greg Bray, MedCost CFO with Allison Brashear, MD, Walk Co-Chairs

**Employees donated to the manager they wanted to see wear an embarrassing costume on the day of the walk. Michael Berwanger (below) was one of the “winners.”

Giving Back

(L-R, Michael Berwanger, Greg Bray)

Telemedicine: Yes, There’s a Doctor in the House

telehealth A sick child might have a fever at 3:00 am. Or the family might be visiting grandparents a long way from home. But if an employer-sponsored health plan includes telemedicine services, a board-certified doctor’s consultation is only a phone call away.

Employers Are Choosing Telemedicine

An overwhelming 96% of US employers plan to offer telemedicine services in applicable states* in 2018, the National Business Group on Health reports. The reasons for this rapidly growing health benefit are obvious:

  1. Quick ResponseTeladoc, the nation’s largest provider of telemedicine consultations, averages 22 minutes for a call-back from a licensed, board-certified doctor who practices in the caller’s state.
  2. Convenience. This consultation can be held by phone or online. Teladoc requests some medical information before having the doctor return the call.
  3. Appropriate Care for Less. Almost 80% of adult Emergency Room visits are due to lack of access to other providers.** Access to telemedicine visits can limit hours spent away from work, as well as more expensive care at any hour, day or night.

Telemedicine Offers Treatment Alternatives

Telemedicine consultations are not meant to replace primary care providers. But if an employee has one of the minor ailments listed below, 24/7 access is convenient, and reduces spiraling costs for the employer and the employee.

Treatment Alternatives to the Emergency Room

Telemedicine

Common conditions treated through a telemedicine phone call or online visit are:

  • Infections
  • Allergies
  • Pain
  • Minor joint trauma
  • Gastroenteritis (stomach flu)

Telemedicine Services Are Expanding

Teladoc has expanded optional services for employer health plans to include behavioral health. If an employer chooses to add this option, experienced psychiatrists, therapists and counselors would be available at a flat, per-encounter fee. Members can choose to see the same provider throughout the course of care.

Behavioral health conditions*** range from:

  • Stress/anxiety
  • Depression
  • Addiction
  • Domestic abuse
  • Grief counseling

Just a Phone Call Away

Need a better prescription for your health care expenses? Expert care from area doctors may be available with a phone call, whether on vacation at Disney World or in pajamas at 3:00 a.m.

With telemedicine services, there is a doctor in the house.MedCost

______________________________________________________________________________

*Teladoc operates subject to state regulation and may not be available in certain states.

**“Emergency Room Use Among Adults Aged 18-64: Early Release of Estimates from the National Health Interview Survey, January-June 2011.” National Center for Health Statistics. May 2012. https://www.cdc.gov/nchs/nhis/releases.htm (accessed October 31, 2017).

***Consult your employer’s summary plan description for complete coverage details.

2017 Forms 1094, 1095 (B & C) Released by IRS

2017 Forms 1094 1095

Michael BerwangerBy Michael Berwanger, JD, Director, Quality Management & Compliance

The IRS has released the final Forms 1094-B, 1095-B, 1094-C, and 1095-C for calendar year 2017 reporting. Employers are required to report in early 2018 for calendar year 2017. You can find the forms for calendar year 2017 reporting here:

 

What Changed?

For calendar year 2017, the 6055 and 6056 reporting process seems to have stabilized. One notable difference, please note the removal of the “Section 4980H Transition Relief” box from line 22 of Form 1094-C, as this transition relief is no longer available to employers.

There are no substantive changes to the B Forms for 2017, and the instructions are also mostly unchanged.

For purposes of determining affordability of employer-sponsored coverage when using the Qualified Offer method, the instructions note inflation adjustments to the 9.5% threshold, increasing the percentage to 9.66% for plan years beginning in 2016 and 9.69% for plan years beginning in 2017. (This percentage will drop to 9.56% for plan years beginning in 2018. See IRS Publication for details.)

Who Is Required to Report?

2017 Forms 1094-B and 1095-B:

These forms are used by insurers, self-insuring employers, and other parties that provide minimum essential health coverage (regardless of size, except for large self-insuring employers) to report information on this coverage to the IRS and to covered individuals.

Note: Self-insuring employers with less than 50 full-time or full-time equivalent employees will use these forms to report information on coverage to the IRS and to covered individuals. Self-insuring employers with 50 or more full-time or full-time equivalent employees will use the C forms—see below.

1094-C and 1095-C:

Applicable large employers (generally those with 50 or more full-time employees, including full-time equivalents or FTEs) will use Forms 1094-C and 1095-C to report information to the IRS and to their employees about their compliance with the employer-shared responsibility provisions (“pay or play”) and the health care coverage they have offered. Employers subject to both reporting provisions (generally self-insured employers with 50 or more full-time employees, including FTEs) will satisfy their reporting obligations using the C Forms.

Information Reporting Deadlines

The upcoming deadlines for submitting Forms 1094 and 1095 B or C are as follows:

To the IRS:

If filing on paper – February 28, 2018

If filing electronically – April 2, 2018

Any employer who would like to file electronically should refer to the IRS for more information on the AIR Program, which requires at least 30 days for testing for first-time users. Please note that employers submitting more than 250 forms must file electronically.

To Individuals:

Both Form 1095-B and 1095-C are due to the person identified as the “responsible individual” by January 31, 2018.MedCost

MedCost is not a tax preparation company, and you may have additional tax obligations for other benefit plans that you offer to your employees. Please consult with your tax advisor for guidance.This blog post should not be considered as legal advice.

Heart Disease: Living Up to the Gift of Life

Denying my symptoms almost resulted in a very negative outcome.

Heart Disease

Don Holmes

By Don Holmes, Personal Care Management Specialist, MedCost

December 9th is a date that holds special meaning for me. Ten years ago, I wasn’t sure I would see December 10th.

In the fall of 2007, I began to notice some occasional, uncomfortable heaviness in my chest, especially during periods of exertion. I initially attributed it to pushing a little too hard, or soreness from a previous workout.

I worked out between three to four times weekly at the YMCA. My routine usually included a 35-minute vigorous jog on the treadmill. On alternate days I lifted weights.

One afternoon after work, I went to the Y to get in an additional workout. Within 5 minutes on the treadmill, I knew something was different. Something was very wrong.

Denying the Symptoms

The heaviness in my chest began much more quickly. It was so painful that I had to stop. As a precaution, I asked the weight room attendants to check my blood pressure. The blood pressure reading was off the charts!

We waited several minutes and took my blood pressure again. It was still in the danger zone.

The attendants said I needed an ambulance, but I insisted on driving home. I told them I would see my doctor the next day. That night the pain lingered as I tried to fall asleep.

The next morning when I arrived at work, I called my doctor’s office and told the nurse what had happened. I gave her the blood pressure readings. She calmly but firmly said: “I want you to hang up immediately and dial 911. You must go to the hospital now.”

It Was Heart Disease

How could I be fit enough to work out frequently and still have this happen? I immediately went to the hospital. A heart catheterization revealed major blockages in the front and back of my heart. Doctors performed a quintuple bypass operation on me.

Heart DiseaseI didn’t realize it, but I had been in denial. In the hospital before surgery, I stared at the legal documents I was about to sign. I had to face reality.

Open heart surgery. I might not come through the operation.

I was extremely fortunate. I didn’t experience a heart attack, but it was imminent. Thankfully, the heart muscle was fine and there was no damage. But I had to make some significant lifestyle changes.

I Had to Face Reality

I gave up soft drinks, desserts and fried foods. Every day was a battle. I cut back on the carbs that were elevating my triglycerides and blocking my arteries. Potatoes, rice, breads—these were the foods I loved.

Heart DiseaseBut I had to face reality. I wanted to be around for more than one tomorrow.

I studied a lot of articles at the American Heart Association website, on how to improve my overall health and make better food choices. Their suggested workout routines were helpful, too.

These past 10 years, working at a health care administration company has reinforced my desire to live healthier. I’ve lost 20 pounds. I still work out 5 days a week, doing weights and cardio.

Living Up to the Gift of Life

Heart Disease

“Pooches on Parade” at Heart Walk

This November 11, my company is partnering with Wake Forest Baptist HealthNovant Health, Cook Medical and many others* to sponsor the Winston-Salem Heart & Stroke Walk. The “Pooches on Parade,” special honoring of heart disease survivors and veterans, live band and healthy food trucks make this a really fun morning.

Best of all, every person has a chance to walk one, two or four miles to strengthen your heart.

Activities begin at 8:30 am at Bailey Park downtown in Wake Forest Innovation Quarter.

I’ve lost several friends to heart issues. So it’s always on my mind to make good choices.

God has blessed me this past 10 years. I want to live up to the gift of life.

 

*Allegacy Federal Credit Union, BB&T, Corning, Dixon Hughes, Hanesbrands Inc., Inmar, Kimpton, Piedmont Federal Savings Bank, Stimmel, Truliant Federal Credit Union, Wake Forest Innovation Quarter, Winston-Salem Journal, 99.5 WMAG, WXII-12 and other sponsors.