Business Journal 20170701 by Journal Inc

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FEATURE: Small businesses worry over insurance

page 4 FEATURE: Finding a new beat in the heart of health care

page 6 COLUMN: Robinson: Businesses need checkups, too

page 5

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NEW OXFORD HOSPITAL NEARLY COMPLETE, pg. 7 JULY 2017

CONSUMERS, BUSINESSES FRET OVER HEALTH CARE

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THE NORTHEAST MISSISSIPPI

JULY 2017

Health insurance costs worry small business owners BY DENNIS SEID BUSINESS JOURNAL

atti Thompson believes as an employer in providing health insurance for her workers. But affordability always is a challenge. “What I pay for insurance for just myself I used to be able to cover all four of us years ago,” said Thompson, owner of Way-Fil Jewelry in Tupelo. And B.J. Canup, the president of Tremont Floral, has the same concerns regarding his 125 employees. Thompson and Canup are like other small business owners across the nation who say the cost of health insurance is their most severe problem. In a survey last fall by the National Federation of Independent Business, it was the top problem across all but one of the 54 subgroups analyzed in the study (industry, number of employees, etc.). It also was the only problem of the 75 listed in the

survey to be evaluated as a “critical issue” by more than half of respondents (52.3 percent). According to Forbes, persistent cost increases continue to plague small-business owners of all firm sizes and across all industries. According to the Medical Expenditure Panel Survey, the average premium for an individual health insurance plan cost $2,889 per employee in 2001 ($3,886 adjusting for inflation). By 2015, that number had ballooned to $5,963, easily outstripping overall inflation and wage growth. Premiums costs are affected by the changing composition of insurance plans and by employer offer rates. Deductibles in health plans, which are generally higher in small business plans, have increased dramatically over the same period. The average deductible for an individual health insurance plan cost $446 in 2001 ($597 after inflation) and $602 for businesses with fewer than 50 employees. TURN TO COST, 4

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BUSINESS JOURNAL

Health insurance shopping tough, but essential chore

Many work for small businesses that don’t offer insurance. Others are young retirees who need a bridge until they qualify for hopping for health insurance on the Medicare. individual market can be complex and People who can access health insurance expensive. through their employer can let the human But it is an important investment to resources department weigh the pros and BELL protect the physical and financial health cons of benefits, premiums, copays and for you and your family. networks. Those shopping on the indi“It’s one thing you can’t normally get vidual market have to do their own due when you need it,” said Bill Phipps, a cer- diligence. tified insurance broker for HealthMarkets “There’s no one size fits all,” said Justin in Tupelo. Brock, a certified insurance broker with People shopping on the individual mar- Brock and Credille in Tupelo. ket are a diverse group, said Veronica Bell, It is important to drill down beyond BROCK a certified insurance broker with Bell Aspremium and deductible costs to see what sociates in Tupelo. There are professionals, policies actually offer, Bell said. independent contractors and entrepre“If it’s only $100 a month (without subsidies or tax neurs who own their own credits), it’s likely not major medical,” Bell said. “You businesses. need to know what the benefits are.” BY MICHAELA GIBSON MORRIS BUSINESS JOURNAL

START WITH ACA

Since 2014, the first place to start is the Affordable Care Act or Obamacare marketplace. Although there has been plenty of debate, there have been no changes so far. “As of right now, it’s business as usual for 2018,” Bell said. Everyone shopping in the individual market should determine if they qualify for subsidies and tax credits to help cover the costs of health insurance. Ambetter by Magnolia is the only company offering ACA plans on the exchange where the credits and subsidies can be used. Outside the marketplace, BlueCross BlueShield of Mississippi is the only other company in the state that offers individual market health insurance policies that meet the ACA requirements, Brock said. ACA-compliant plans are more expensive, but they are required to accept and fully cover people regardless of pre-existing conditions. They typically have the broadest coverage on the market. Enrollment in ACA compliant plans is TURN TO SHOPPING, 8

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JULY 2017

Cost

very limited success and is not cost effective to operate. This FROM 2 has been true of all Federal and state-run SHOP operations in In 2015, the average deductible the U.S.” he said. cost $1,541 for all businesses and “The Mississippi Insurance $1,964 for businesses with fewer Department asked the board to than 50 employees. In the past terminate the state operation of 15 years, small businesses have the SHOP in February of 2017. paid more for less when it comes The decision to close down the to health insurance plans. SHOP required approval from Mike Chaney, the commisCMS, which has been received,” sioner of the Mississippi InsurChaney said. ance Department, had hoped CMS is the Centers for Medithe One, Mississippi program care & Medicaid Services, part would help small businesses of the federal Department of with some of their concerns. Health and Human Services. One, Mississippi is a marketChaney said small businessplace designed to help small es need a low-cost alternative business owners with finding for employees, and he said his comprehensive health plans for department has asked CCIIO their employees. – the Center for Consumer InforBut, Chaney said, while the mation & Insurance Oversight, program still is operational which is charged with implefor the Small Business Health menting the still-current AffordOption, or SHOP, “it has had able Care Act – for waivers to

JULY 2017

“When we first saw the rates Obamacare gave, we first regretted it for our employees. We knew those rates could not last long knowing what our rates were. Either cost were going to go up, insurance companies would drop out, or the system would change. Turns out all three happened.” Many small-business ownB.J. Canup, president of Tremont Floral ers have decided that offering health insurance is no longer a allow limited benefit or defined employer-provided plan. viable employee benefit, accordcontribution plans to be sold to “We decided right from the ing to Forbes. small businesses. start that we did not know While the percentage of The Republican-led Conhardly any programs that the businesses with more than gress has vowed to repeal and government operated well, and 50 employees offering health replace the Affordable Care Act, we as a company were going to insurance has stayed at about 96 or Obamacare, but to date has take care of our employees,” he percent over the past 15 years, not been able to garner enough said. “It would have been cheap- offer rates by businesses with support from members of its er for us as a mid-size company fewer than 50 employees have own party. to have dropped insurance and declined significantly. Canup could have used pay the penalty. But that was not “This erosion has accelerated Obamacare for his employees, what was best for our people, but opted to choose its own our families, our employees. TURN TO COST, 9

‘When we first saw the rates Obamacare gave, we first regretted it for our employees. We knew those rates could not last long knowing what our rates were. Either cost were going to go up, insurance companies would drop out, or the system would change. Turns out all three happened.’

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BUSINESS JOURNAL

ealth can be reported in different ways because it can be viewed in different ways. The educational health of a student is told with progress reports and report cards. The health of an employee is reported in a performance review. Regardless of the method used to measure health, a simple word – checkup – can send a shiver up a spine. These are just tools. Certain standards have been set, and these report the comparison against those standards. If the standard is consistently not being met or is met with too much ease, the standard should be re-evaluated. Businesses have measurements, too. It helps to set a goal. And it helps for the business to understand why it fell short,

Businesses need health checkups, too

met or exceeded the goal that was set. I’ve taken business courses, and I’ve taken courses that train Boy Scout leaders. One of the common areas to both is the importance of S.M.A.R.T. goals. The letters can stand for specific, measurable, attainable, relevant and timely. If you look up S.M.A.R.T. goals on the internet, you’ll see that there are other similar words to create the acronym. Regardless, the exercise is to create a goal that can be met or exceeded but not so easily that there is no challenge. This is used to start a path. It’s a good exercise

TY ROBINSON

to keep the goals on track and realistic. Benchmarks are useful tools, but I really like when the benchmark has to be increased. In pole vaulting, it’s called “raising the bar.” It’s a great feeling to get a call asking, “What on earth are you doing to get those results?” I like the word “overindex.” But, if the goal is set too low, these aren’t true accomplishments. As well as set too low, sometimes the bar can be set too high. That causes a lot of angst and worry. So it is important that the goal be true and not artificially underinflated or overinflated. Once the goal is set, it should be monitored so that any adjustments can be made where necessary. Other words used in goal setting are “targets” and “pro-

jections.” It is important for a business to look at itself from an outside perspective. It is too easy to get stuck in the day-today activities of the business to see the outside influences on the business. What is the economy doing? What is the employment rate? How is competition doing? How are the suppliers doing? These answers may have some insight into the business’s performance. There is no crystal ball that will give us the answers we seek. Through data collection and analysis, we can certainly see trends in our business and in our industry. The importance of a business checkup is to evaluate how the business is doing and to made adjustments to keep the business relevant and profit-

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able. There are generalists and specialists who can aid businesses in their quest for longevity. These professionals aren’t medical doctors, nor do they have to have Ph.D.s, but they can certainly help a business owner look at the business from another vantage point. Poet John Donne wrote, “No man is an island entire of itself….” No business is an island either. It is our connections with others that help us stay healthy and point out things we cannot see in ourselves. Sometimes checkups can be uncomfortable, but they do not have to be. And, they beat the alternative. TY ROBINSON is president and COO of Robinson and Associates, a Tupelo-based marketing, advertising and public relations agency.

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BUSINESS JOURNAL

JULY 2017

Businesses need health checkups, too

TY ROBINSON

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BUSINESS JOURNAL

JULY 2017

Finding a new beat in the heart of health care

national population. It allows students BUSINESS JOURNAL to work as health workers, insurance navigators, health care advocates and TUPELO – “I’m going to be a nurse” health care educators. is a phrase heard among many younger Cassie Alexander, director of the adults – but does demand hold up to Public Health Technologies program, that desire, or have new jobs taken over said the two-year program is offered the health care scene? online only and is the first of i’s kind in In Northeast Mississippi, many Mississippi. students continue to apply and enter “We are training students to be nursing programs, while others forge health navigators,” Alexander said. new paths in the medical field. She said the program prepares Rilla Jones, dean of health science students to connect the elderly with instruction at Itawamba Community health resources, find transportation College, said the nursing programs for appointments, and make sure remain some of the highest-demand patients return for follow-up appointprograms each year. ments. However, the Physical Therapy The program is entering its second Assistant program is the most popular year and Alexander said it will continue at ICC. to be an interval part of healthcare. Jones said there are many other as“The need is going to continue to grow for this,” Alexander said. pects to the growing health care field. According to the most recent data “All of our health science plans are available from the U.S. Bureau of Labor very popular,” Jones said. Statistics, employment of health care Jones said there are lesser-known occupations is projected to grow 19 jobs in health care that do not include percent from 2014 to 2024. That job working bed side with patients. growth rate is faster than the average She said ICC’s newest is the Public for all occupations, and is expected to Health Technologies program. add about 2.3 million new jobs. This program focuses on improvHealth care occupations will add ing the health of the local, state and BY KAITLIN O’DOUGHERTY

more jobs than any other group of occupations, the BLS said. Growth is expected due in large part to an aging population that will require more care. The median annual wage for health care practitioners and technical occupations (such as registered nurses, physicians and surgeons and dental hygienists) was $63,420 in May 2016, which was higher than the median annual wage for all occupations in the economy of $37,040. Health care support occupations (such as home health aides, occupational therapy assistants and medical transcriptionists) had a median annual wage of $27,910 in May 2016, lower than the median annual wage for all occupations in the economy.

MANY OPPORTUNITIES

Jones also said many more opportunities are available for those looking for a career in health care. For example, the Health Information Technology program teaches students how to code and categorize patient’s medical history. Jones said there are no shortages of TURN TO HEALTH CARE, 10

DID YOU KNOW?

Highest-paying health care jobs and median total salaries in the U.S. • Orthopedic Surgeon – $475,000 • Surgeon – $400,000 • Cardiologist – $400,000 • Radiologist – $373,000 • Anesthesiologist – $368,000 • Medical Director – $260,000 • Pathologist – $258,000 • Vice President Of Quality – $245,000 • Physician – $235,000 • Hospitalist – $233,000 • Global Marketing Director – $233,000 • Vice President Finance – $225,000 • Vice President Human Resources – $225,000 • Senior Director Of Development – $225,000 • Psychiatrist – $220,000 Source: LinkedIn

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BUSINESS JOURNAL

Oxford hospital construction in home stretch

BY MICHAELA GIBSON MORRIS BUSINESS JOURNAL

nside and out, the new Baptist Memorial Hospital-North Mississippi is taking shape. Signs are going up on the exterior of the new $306 million hospital on Belk Road extended in Oxford, located just west of the existing hospital on Lamar Avenue. Construction crews are working their way out of the building, finishing from the top down. The main inpatient floors are down to the finishing touches. Computers already sit in desks and on portable carts, ready for nurses and doctors. The bright lights have been installed in the operating rooms. Upholstered benches are draped in plastic, waiting to be installed in the lobby. Inspections “We’ve started installing furniture and IT,” said said Dave Hultstrand, senior superintendent for Robins and Morton contractors overseeing the construction. Most construction work will be complete by Sept. 1, Hulstrand said. Then the work will begin on installing new equipment and furnishings for the 217-bed hospital. In September

and October, most of the large radiology equipment will be installed in the new hospital and the construction crews will finish the walls as the pieces are installed.

TRANSITIONS

Baptist North Mississippi chief executive officer Bill Henning and the staff of the hospital are perfecting the plans to move into the new building in November. The details of the move have gotten as much attention as the construction plan, with three committees who have met at least monthly since Feb. 2016. “We’ve been working (on the transition plan) for almost two years,” Henning said. Although some non-clinical departments will start the move at the beginning of November, the big push to shift from new to old will be Nov. 25. The date – the Saturday after Thanksgiving – was chosen strategically. “The weekend after Thanksgiving is one of our lowest census periods,” Henning said. Notably, the Egg Bowl rivalry game between Mississippi State and Ole Miss will be played in Starkville this year. For roughly 12 hours that day,

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The lobby of the new Baptist North Mississippi was designed for better flow for patients and their families and easier access to outpatient waiting areas, admissions cafeteria and coffee bar. Construction crews are set to wrap up the main phase of work by Sept. 1, when the main phase of medical equipment and furniture installation will begin. Baptist Memorial will operate two hospitals in Oxford. The hospital is working with an experienced company that helped another Baptist Memorial hospital move. The emphasis is on keeping patients safe and comfortable during the transition. The aim is to have 95 percent of the hospital departments moved into the new facility by Nov. 27, Henning said.

ELBOW ROOM

The Baptist Memorial staff is looking forward to the new campus, which will include a 82,00-square foot medical office building next door. “A larger more modern hospital will give us more room to serve our patients,” said Bill Henning, chief executive officer for Baptist North Mississippi. The flow of the new hospital was designed intentionally. People coming for outpatient

procedures have a centralized location, instead of being spread across the hospital. The main waiting area for outpatient procedures is on the second floor open to the main hospital lobby. It’s convenient to the cafeteria and coffee bar open off the first floor lobby. “It’s a big hospital, but we’re trying to make it easier for patients and families,” Henning TURN TO HOSPITAL, 9

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BUSINESS JOURNAL

JULY 2017

Shopping

isn’t insurance, but they can be a good fit for some, especially healthy families. “For young, responsible Christian FROM 3 families that are healthy and who are facing massive premiums, it can be a limited to open enrollment at the end good option,” Brock said. of the year. To purchase insurance for Health sharing ministries that meet 2018, the open enrollment period will certain requirements don’t have to folbe Nov. 1 to Dec. 15. low rules set for insurance by the ACA, “You can’t change mid-year for no but their members are exempt from reason,” on the exchange or from Blue- individual mandate. Instead of being Cross, Brock said. based on risk, the sharing ministries However, those with a major life are based on shared religious or ethical change like the birth of a child, a values. marriage or divorce, the loss of a job Families have monthly membership or a death of a spouse can purchase and a portion of costs they are responinsurance during special enrollment sible to pay before the ministry begins period, typically 60 days after the event to cover costs, Brock said. The health changed your insurance status. sharing ministry then covers bills for expenses that are in accordance with their OTHER OPTIONS values. For example, the plans usually Beyond ACA compliant plans, there don’t cover out-of-wedlock pregnancies are options for pulling together plans of or abortions. coverage. Some health sharing ministries will Health sharing ministries may help fill accept people with pre-existing condithe gap for some families, Brock said. It tions, but they may not cover costs con-

nected with the condition for a period of time, Brock said. Hospital indemnity policies that cover a set amount of inpatient and outpatient expenses are also available. They generally exclude coverage of pre-existing conditions, but can provide a layer of protection. They will not meet the individual requirements under ACA, Phipps said. For people who need coverage outside of open enrollment and don’t qualify for special enrollment, there are short-term policies. The policies are written for three months at a time and can be renewed once under the current rules, Phipps said. They do not meet ACA requirements, and they exclude pre-existing conditions, but they do provide some coverage. “It’s better than nothing,” Phipps said. To soften the bite of high deductible plans, shoppers can look at gap plans. Gap plans are underwritten, but they pre-existing conditions aren’t automati-

JULY 2017

cally excluded, Brock said. “It can be adjusted,” to cover all or part of a large deductible, Brock said.

EXPERT ADVICE

The internet can be a good place to start, but there’s no substitute for knowledge and experience with the complex insurance market. An certified insurance broker can help shoppers ask the right questions and better understand the costs and the benefits. “You want to have an advocate who can help you navigate,” Brock said. “You want to find someone you trust.” Bell said she frequently finds her clients, especially those who are self-employed, have incorrectly calculated their net profits and do in fact qualify for assistance that reduces their premiums on the ACA exchange. “They really need to talk to a local health insurance agency,” Bell said. michaela.morris@journalinc.com

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BUSINESS JOURNAL

Cost

America, and they are almost all subsidized. Due to Obamacare, these folks are FROM 4 basically on a new social program, it just since the passage of the Affordable Care didn’t start that way. The House and SenAct,” Forbes wrote. “Between 2001 and ate now have a duty to figure out what to 2010, the offer rate declined from 46 per- do with those folks.” cent to 39 percent. But in the five years Chaney said the main issue is the the since the passage of the ACA (as of fall, constant increasing cost of health care – 2016), the offer rate has dropped 10 more which his department does not control. points to 29 percent.” Health insurance receives most of the The NFIB survey found that more than blame for the increasing premium cost, half of small non-offering companies said but Chaney said uncontrolled health care that cost was the reason they do not offer cost is the cause. the benefit. “Pharmaceutical costs are unconSaid Canup, “It took us a while to trolled and constitute over 30 percent of understand that the heavily subsidized the cost of health insurance,” he said. plans in exchanges were only affordable “The only cost control that protects to those who purchased coverage there consumers is the networks established because the premiums were heavily and maintained by the health insurance subsidized by the taxpayers. Insurance companies. Networks, especially narrow companies were mandated to accept risk networks, are under scrutiny by consumthat was unacceptable previously and ers and legislatures, who demand more then left holding the bag by the governand more payout from the insurance ment, who went back on their promise companies. Consumers, legislatures, to pay the insurance carriers the fees the hospitals, doctors and pharmaceutical law outlined for accepting that risk.” companies all demand that insurance While Congress debates repeal and companies pay out more and not have replace, Canup thinks Obamacare will any premium increases.” fail on its own without intervention. Chaney said health care is now consid“If our lawmakers do nothing, it will ered an an entitlement by most confail on its own. It’s been happening and sumers, “who demand more and more will continue to happen. Insurers will payout for uncontrolled overpriced drugs continue to pull out as there no reason benefits and services. Providers conto stay in, losing money at a pace that is stantly want more dollars from for their unimaginable, with far reaching effects in services. Health insurance companies’ the individual market. profits are capped by federal law, but “At the end of the day, whatever the there is no cap for providers and pharmaHouse and Senate passes is because they ceutical companies, outside of Medicare had to for the folks covered under those and Medicaid.” plans. Whatever they do, they need to dennis.seid@journalinc.com Twitter: @dennisseid understand that those really affected represent about 7-8 percent of the insured in

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9 SMOOTH PROCESS

Construction has FROM 7 moved very smoothly, and planners have been said. “We want to miniable to stick to the origimize moving patients all nal move date of Nov. 25, over the hospital.” Henning said. The new hospital will Site work began in Jansubstantially grow the uary 2015 and the weathcapacity for outpatient er largely cooperated procedures. The new facil- as the site was prepped ity will have 43 pre-proce- and the foundations laid, dure rooms compared to Henning said. The skel23 at the current hospital. eton of the hospital was Along with all the new, topped out in May 2016. the chapel will feature There have been ada bit of Baptist Memojustments as the project rial history. The design progressed. incorporates stained glass “The technology from the Self Chapel in changed,” Henning said, the old Baptist Memorial necessitating tweaks Hospital in Memphis that to doors, cabinets and was demolished in 2005, electrical outlets. “There Henning said. Outside the are things we didn’t know chapel, the front wall will three years ago.” feature the refurbished In the hybrid vascucross from that hospital. lar suite, which brings

together operating room and cath lab, the plans for the suite anticipated the equipment would be mounted from the ceiling, Henning said. But because of advances in technology, Baptist Memorial will be the first U.S. installation of the Siemens Artispheno system, which is mounted in the floor. When Baptist Memorial is completely moved out of the old, the old hospital building will have a new life with the University of Mississippi. The university purchased the 15-acre property for $22 million and is planning on using the building to address needs for office space. michaela.morris@journalinc.com

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BUSINESS JOURNAL

JULY 2017

Health care FROM 6

students interested in entering health care fields, as ICC has more applicants than it can accept each year. Last fall, ICC had 510 applicants for the associate nursing program and accepted only 158. Jones said about 200 people applied for physical and occupational therapy assistants, with only 14 accepted. However, she said there is a constant need for new graduates, and the school continuously surveys to see if new positions emerge in the health care system. Jones is interested to see how new programs added around the state impact the health care landscape. Laura Land, chief human resources officer at North Mississippi Health Services, offered a look from the other side at what is happening in the Tupelo-based hospital system. NMHS is the nation’s largest rural medical system, with six hospitals and more than 90 outpatient centers, medical clinics and in-home services and employs more than 6,000 people. Land agreed that the health care landscape includes many different jobs than in the past. “Many of the jobs that exist now, probably 10 years ago didn’t exist,” Land said.

MORE INFO

• Visit North Mississippi Health Service’s website to see career options and ICC’S Health Sciences website to view more details on their current programs. She said there remains a great need for nurses and positions people typically think of, but there continues to be new aspects of the field. Land expects that probably in the last five years, population health managers, or those who work to improve the health of specific populations, will emerge. She also said the informaticshas grown significantly in the last few years. Informatics is the “science and practice that integrates nursing, its information and knowledge, with information and communication technologies to promote the health of people, families and communities worldwide,” according to AMIA, the American Medical Informatics Association. “Health information management and medical coding is a growth area as well,” Land said. Land also has seen increased diversification in nursing. Telehealth settings now exist to allow for virtual visits between health dcare providers and patients. These allow for appointments

such as follow-ups to be completed virtually so the patient does not have to make the drive back to the hospital. Land said these centers make it easier for patients to receive the care they need. “We know people have chronic conditions, if its hard for them to receive care they won’t,” Land said. Land said there is still a large demand for physical therapy and occupational therapy services, and it only continues to grow. “As we’ve advanced clinically, we also know how to help people recover through all stages of life better using the rehabilitate services,” Land said. Land said there are opportunities for more positions in the health care field. “I think because the whole health care pie, so to speak, in terms of jobs and what’s available, has continued to grow, we continue to see a little bit of a gap,” Land said. Land said she hesitates to call any of the fields in health care “top fields,” but would instead call them “high-demand” careers. “So there’s high demand in nursing, high demand in rehabilitative medicine, high demand in informatics and health information in general,” Land said. kaitlin.odougherty@journalinc.com @Kaitlin_OD

JULY 2017

BIZ BRIEFS

GDSP names Maynard as president, CEO STARKVILLE – The Greater Starkville Development Partnership has name a long-time Mississippi State University faculty member and former Starkville alderman as its new president and CEO. The GDSP Maynard named Scott Maynard as its new leader following a national search, the economic development group said in a press release. Maynard replaces Jennifer Gregory, who submitted her resignation in October after a fouryear-stint as CEO. He’ll start his role as CEO on July 17. Maynard was most recently director of the Career Center at Mississippi State University (since March 2008). He was associate director starting in 2003. Before his Career Center tenure, he was the Pro Golf Management program director at MSU from 1997-2003, and was the assistant director of the university’s Cooperate Education Program from 1998 t0 2003. Maynard also served as a city alderman and on various boards

of directors, including the GSDP Convention and Visitors Board and the Starkville Parks and Recreation Commission. He received his Bachelor of Business Administration as well as his MBA from Mississippi State.

Yalobusha General adding 32 jobs with expansion WATER VALLEY – Yalobusha General Hospital is investing $3.8 million in the health care of the people of Yalobusha County by expanding in Water Valley, creating 32 jobs. “This expansion demonstrates Yalobusha General Hospital’s commitment to the community and its patients and ensures they continue receiving quality health care in Water Valley,” Gov. Phil Bryant said. The expansion includes interior and exterior renovations, as well as the addition of a second floor to house a geropsychology unit. The Mississippi Development Authority is providing assistance for the renovation of the hospital’s first floor. Yalobusha County is also assisting with the project. Construction is scheduled to be completed by July 2018. Daily Journal reports

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BUSINESS JOURNAL

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JULY 2017

HOME SPACE

McALISTER’S DELI

Home Space Discount Furniture recently celebrated its grand opening with a ribbon cutting at its location in Skyline. With a complete line of furnishings from which to choose, Home Space is “the only space you want to call home.” Visit them at 2811 Hwy 178 or contact them at (662) 584-2963.

McAlister’s grand re-opening ribbon cutting was recently held at its new home, the former site of Atlanta Bread. Featuring expanded dining space, McAlister’s new location provides seating for 100 more customers and employs 25-30 additional servers. You’ll find the hallmarks of its menu, sandwiches, salads, soups and more, along with its famous sweet tea, at 312 S Gloster in Tupelo. Contact them at (662) 680-3354 for dine-in or carry-out information.

MILLY’S BOUTIQUE/BEAUS & BELLES

WESTSIDE HARDWARE

A recent ribbon cutting marked the grand opening of two new clothing venues in Tupelo. Milly’s, a boutique for women and Beaus & Belles, an adjacent children’s shop at 705 Main St. in Tupelo, the mission of the two specialty stores is “to provide the best products and the best service” for its customers. Contact them at (662) 432-4109.

Westside Hardware, “the only traditional hardware store on the west side of town,” recently celebrated its grand opening with a ribbon cutting. The store offers a complete line of home repair products at its 4855 Cliff Gookin Blvd. location. A handyman’s haven, Westside Hardware can be contacted at (662) 346-4810.

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BUSINESS JOURNAL

Business Directory A PAR TMENTS

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1410 SOUTH GLOSTER / TUPELO / 842-3611

BANK

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Bank Of Okolona Okolona

P.O. Box 306 • Okolona, Mississippi 38860

(662) 447-5403 Bank of Mantee

54 1st Street • Mantee, Mississippi

(662) 456-5341

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321 W. Madison St. • Houston, Mississippi

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BLINDS

2015 McCullough Blvd. • Tupelo, MS 38801

BUILDING SUPPLIES

BUILDING SUPPLIES Rex & Diannah Coggins, Owners

Ph: (662) 365-7021

(662) 365-8902 N H A R Fax: Y D W WA & L D SUPPLY, RE A INC. B

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• Full Service • Hardware • Building Supplies • Plumbing • Hydraulic Hoses

Lumbe ville e n o o r B Company Full Line of Lumber, Hardware, Plumbing and Electrical Supplies 2300 E. Chambers Dr. • Booneville • 728-0094

Booneville Hardware & Supply 403 Church St. • Booneville • 728-0032 "For all your hardware needs"

1187 North 4th St. • Baldwyn, MS 38824

CHILD CARE

JOURNAL PUBLISHING COMPANY

TERESA MCDONALD

KRYSTAL BLACK

Robbie Parker - Owner & Director 6 Weeks - 12 Years After School Program Available

2541 McCullough Blvd. • Tupelo, MS 38801

620-9062

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662-350-3175

200 S. Pontotoc Rd. • Bruce, Mississippi

(662) 983-3700

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PO Box 909 Tupelo, MS | 38802-0909 1242 South Green Street Tupelo, MS | 38804

Phone 662.678.1531 or 1.800.270.2614 ext.531 Fax 662.620.8301

PO Box 909 Tupelo, MS | 38802-0909 1242 South Green Street Tupelo, MS | 38804

Phone 662.678.1532 or 1.800.270.2614 ext.532 Fax 662.620.8301

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BUSINESS JOURNAL

MONTH 2017

Business Directory C O L L I S I O N R E PA I R

COMMERCIAL CLEANING SERVICES

MONTH 2017

C OMMERCIAL P LUMBING

RH PLUMBING, INC. 24 Hour Wrecker Service

Junior Burns - Cell 662-728-0524 David Denson - Cell 662-416-5591 100 W. Veterans Drive • Booneville, MS 38829

224 Starlyn Ave. New Albany, MS 38652

662-534-4448

Phone 662-728-4459 • Fax (662) 728-4150

C O O L I N G & H E AT I N G

Commercial Plumbing, Gas & Industrial Piping RICHARD HANLON (662) 447-3213

Thank you for choosing RH Plumbing. We appreciate your business

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903 Varsity Dr. Tupelo, MS

Mon.-Fri. 9am - 5pm

Fine Furniture, Fabrics, & Flooring INSURANCE

I N S U L AT I O N

C ONCRETE

P.O. BOX 417 Okolona, MS 38860

Hancock Insurance Agency INSURANCE AND FINANCIAL SERVICES

401 Elizabeth St. • Tupelo 662-842-7305 G IFTS

Member of the QCN Network. Saving You Money And Making You More Comfortable For Over 38 Years Residential & Commercial Insulation, Installation Blown-In Attic Insulation - Blown-in Wall Insulation - Batting www.nsul8or@att.net www.nsul8or.com

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3166 West Jackson, Tupelo, MS

Everything for

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JOURNAL PUBLISHING COMPANY

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formerly Okolona Drug Co.

ATV • Life • Health Annuities • RV • Automobile Motorcycle • Home Mobile Home Medicare Supplements

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PO Box 909 Tupelo, MS | 38802-0909 1242 South Green Street Tupelo, MS | 38804

Phone 662.678.1533 or 1.800.270.2614 ext.533 Fax 662.620.8301

PO Box 909 Tupelo, MS | 38802-0909 1242 South Green Street Tupelo, MS | 38804

Phone 662.678.1538 or 1.800.270.2614 ext.538 Fax 662.620.8301

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BUSINESS JOURNAL

Business Directory KENNELS

L OCKSMITH

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MILLER’S SAFE & LOCK SERVICE, INC.

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Mon.-Thurs. 11-10 • Fri.-Sat. 11-11 • Sun. 12-10

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TREE SERVICES

365-7059

1101 W. Main • Tupelo 842-3774

T RUCKING

CIRCADENCE R&D FACILITY

CDF BUILDING • 398 EAST MAIN ST., 2ND FLOOR • TUPELO, MS 38804 662-821-2500 • www.circadence.com

JOURNAL PUBLISHING COMPANY PRINT

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Multimedia/Inside Sales Consultant Trimming • Removal • Stump Grinding Hazardous Tree Removal Experts Free Estimates / Insured 24-HOUR SERVICE

phillip.wilburn@journalinc.com 3637 PEPPERTOWN ROAD FULTON, MS 38834 (662) 862-6497

PO Box 909 Tupelo, MS | 38802-0909 1242 South Green Street Tupelo, MS | 38804

Phone 662.678.1530 or 1.800.270.2614 ext.530 Fax 662.620.8301

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BUSINESS JOURNAL

MONTH 2017

BUSINESS JOURNAL

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MONTH 2017