business man explain the basics of group health insurance in an office

Group Health Coverage Basics for Small Businesses

Offering health insurance to your employees may sound like an overwhelming process — but it doesn’t need to be. Once you’ve identified your business’s needs and know the basics of group health insurance, the rest is easy. So, what do you need to know first?

What’s the difference between group and individual health plans?

According to the U.S. Department of Labor, “A group health plan is an employee welfare benefit plan established or maintained by an employer or by an employee organization (such as a union), or both, that provides medical care for participants or their dependents directly or through insurance, reimbursement, or otherwise.”

In other words, a group health plan is designed to cover a group of employees, but each enrollee has their own plan with benefits – and the plan’s monthly premium is calculated differently than if it were purchased as an individual health plan.

The monthly premium for all health plans is determined by the perceived risk of the carrier in offering coverage. With a group health plan, the group seeking coverage has their risk pooled together as one, which in some cases, may lower the monthly cost.

Unlike individual plans, group health plans are also available in different types designed to help your business save the most money and make the best coverage decisions. To learn more about these different plan types and ways that your business can save money on group health coverage, feel free to check out our latest group health webinar.

As a business owner, do I have to offer group health insurance to my employees?

Depending on the size of your business, the answer could be no. The Affordable Care Act (ACA) stated that businesses with fewer than 50 full-time employees are not legally obligated to provide health insurance to their employees — but many choose to regardless.

Looking for a better benefits package is one of the most common reasons people change jobs. And if your business doesn’t offer a health insurance benefit, it may give current and prospective employees reason to look somewhere else for employment.

If you are federally mandated to offer health insurance to your employees, you will need to ensure you are following the rest of the ACA’s rules and regulations for small businesses.

Making The Right Group Health Decisions For Your Business

Ready to take a look at your options? Our team of licensed benefits counselors is on hand to help you find the best group health solutions for your business. Visit fcachiro.memberbenefits.com/employer-group-solutions/ or schedule an appointment with us today.

elderly couple weighing their long term care options at a dining room table

Dispelling 3 Myths of Long-Term Care

How much of our lives do we spend thinking about the future? When we’re kids, we think about what we’re going to be when we grow up, what our first car will be, whether or not we’ll get married or if we’ll have children of our own.

At some point, we stop thinking about the future — usually when it stops being fun to imagine. But this is when thinking about the future becomes the most important.

Common Misconceptions Regarding Long-Term Care

Myth #1: Medicare will pay for it.

No. Medicare will not pay for your long-term care needs. While Medicare is designed to help those over the age of 65 keep on top of their healthcare needs, long-term care is not one of them according to the federal government. And while Medicare Supplemental plans are often touted to cover things that Medicare leaves behind, long-term care is still not one of them.

Myth #2: I won’t need long-term care.

While this may be true for some, according to Longtermcare.gov, if you were to turn 65 today, you would have almost a 70 percent chance of needing some form of long-term care service during your remaining years.

The generation currently facing the greatest growing need for long-term care services are the Baby Boomers. Born between 1946 and 1964, the Baby Boomer generation accounts for roughly 78 million Americans, and according to Medicare.gov, it is estimated that 12 million of them will require long-term care services by 2020.

Myth #3: My spouse or kids will take care of me.

According to the National Academy of Social Insurance, it is estimated that 25 to 30 percent of the baby boomer generation “will become divorced or widowed by the time they reach ages 55 to 64,” increasing the likelihood of needing to depend on one’s children to provide care.

However, studies have shown that rates of childlessness continue to rise. According to the Center for Disease Control, new data has shown that the birthrate has hit an all-time low. This statistic may not have as large of an impact on older generations who have more children than it will eventually for younger generations that do not.

Taking Control Of Your Future

According to an article from Forbes, “A private room in a nursing home now costs consumers more than $8,000 per month, or $97,455 per year… That’s an increase of 5.5 from just one year ago and a nearly 50% increase since 2004. A semi-private room is less expensive, but still carries a hefty price tag: $85,775 per year.”

Assisted living facilities are more affordable but the national average for a private room will still run approximately $45k a year — which is actually proving to be more affordable than in-home health aids ($49,192) and standard homemaker-type services ($47,934), according to the Genworth 2017 Cost of Care Study.

With the yearly cost of long-term care only continuing to rise, long-term care insurance can help both you and your family cover the cost of your care should you need it in the future.

To learn more about long-term care insurance or what other products may be available to you, please visit https://fcachiro.memberbenefits.com/long-term-care/ for more information.

young boy scared with hands cupping his mouth

The Growing Need for Special Needs Dental Care

A trip to the dentist can be an extremely traumatic experience for children with developmental disabilities and special needs.

According to the CDC, recent estimates in the United States show that about one in six children aged 3 – 17 have one or more developmental disabilities. Additionally, many studies have noted that those who suffer with developmental disabilities also struggle with various stages of dental decay.

What You Can Do for Your Special Needs Child

Teaching your special needs child the fundamentals of dental hygiene can be hard — having a successful dental appointment can be even harder.

Once you find a dentist who can provide both the care and environment your child needs, there are steps you can take to minimize the stress your child feels by going to the dentist.

  1. Schedule familiarization appointments.

Scheduling your child’s appointment ahead of time can help them adjust to their new surroundings. This will allow them to become more accustomed to the lights, sounds, and smells associated with a trip to the dentist’s office.

During these visits you can also meet with the dentist and their staff to help your child become more comfortable and less scared or nervous.

  1. Tell stories leading up to the appointment.

Telling your child positive stories about visits to the dentist’s office in the weeks leading up to the appointment will help give them an idea of what to expect. It’s important that these stories emphasize a happy environment and not something associated with scary tools or pain.

  1. Come prepared.

Does your child have a favorite movie or TV show? Bring it along on a tablet or phone so they can watch while they’re in the dentist’s chair. The distraction will help to focus their attention on the screen and not what is going on in their mouth.

  1. Work with the office staff.

The staff at the dentist’s office is there to make sure your visit goes as quickly and smoothly as possible. Before the appointment, call the dentist’s office to see if the appointments are running behind and if you can sign in a little later. This will help you to minimize the amount of time spent in the waiting room.

The Right Choice for Your Family

Finding a dentist who can provide specialized care for special needs children can be very difficult. Depending on the severity of your child’s developmental disability, general anesthesia may be the only way to provide treatment — something that not all dentists are qualified (or equipped) to provide.

When was the last time your child took a trip to the dentist? Our Comprehensive PPO dental plan option gives your family the freedom to visit any licensed dentist in the country — or take advantage of savings when you visit one of over 135,000 preferred dentists and 32,000 specialists nationwide. Make your family’s oral health a priority by visiting fcachiro.memberbenefits.com/dentalvision/ today.

Need dental insurance for 2020? Apply by January 31st to receive coverage beginning February 1st!

adult couple reviewing bills and open enrollment materials

4 Myths About the Individual Health Insurance Open Enrollment Period

We’ve heard a lot of Open Enrollment myths over the years and want to set the record straight.

Myth #1 “There are fewer insurers to choose from.”

Many carriers who initially fled the federal exchange have returned and now offer plans alongside others who have entered the marketplace. This increase in the number of plans being offered has allowed many individuals and families to re-examine their needs and adjust their coverage amounts accordingly.

In addition to having access to the same carriers and plans listed on the federal exchange, the FCA Private Insurance Exchange can offer members even more options. To view the full range of available ACA-compliant health plans, please visit https://fcachiro.memberbenefits.com/.

Myth #2 “The premiums are too expensive.”

Now that the federal exchange marketplace has stabilized, there may be lower-cost options for ACA-compliant health plans than past Open Enrollment periods. For example, Blue Cross Blue Shield has filed for a 2.03% decrease in premiums in Texas.

Even if your coverage needs remain the same, you may be able to find a lower premium being offered by a different insurer. We recommend always reviewing the health insurance options available to you during the annual Open Enrollment period.

Myth #3 “You’ll be penalized at tax time for not having insurance.”

In previous years, if an individual did not have health insurance for more than 2 months of the year and did not qualify for an exemption they would face a tax penalty of $695 or 2.5% of their taxable income (whichever amount was greater). As of January 1, 2019, the tax penalty known as the individual mandate has been repealed, though some states may still enforce penalties on individuals who don’t have health insurance.

Myth #4 “Applications are processed instantly.”

On average, our team will process an enrollment application within 24 business hours and submit it to the carrier. Once the application is with the carrier, their team will take over and require an additional 10-15 business days to process the application.

The carriers often get overwhelmed with applications during the Open Enrollment period, so we recommend enrollees submit their health insurance applications as early as possible.

Securing ACA-Complaint Coverage for 2020

This year, Open Enrollment runs from November 1 through December 15 with a coverage effective date of January 1, 2020. This is the one time of year where individuals and families can enroll in ACA-compliant health insurance plans.

Ready to start shopping? Visit https://fcachiro.memberbenefits.com/ to shop ACA-compliant health plans today.

Not sure where to start? Schedule an appointment with one of our licensed benefits counselors and let us walk you through finding the best health insurance fit for your needs.

happy family on couch browsing health insurance options on tablet

Getting the Most out of Open Enrollment

With 2020 Open Enrollment period in full swing, families across the country are reviewing their current insurance coverages and seeing what other options may be available to them. Below are a few tips to help you navigate the process.

  1. Learn the Language

Insurance jargon may be enough to make some people’s heads spin but learning just a few key terms could help you pick the best health coverage for you and your family. To make it easy, here are a few words we feel you should know:

  • ACA-compliant” refers to plans that follow all the guidelines and regulations in the Affordable Care Act. These plans are only available during the annual Open Enrollment period or through a Special enrollment period, if you have a qualifying event.
  • Non-ACA plans” also known as short term health plans do not adhere to all of the Affordable Care Act’s guidelines and regulations.
  • Deductible” the amount of money you must pay out of pocket before your insurance kicks in
  • Premium” the amount you pay to your insurance company every month
  • In-network” refers to a provider that has a contract with your insurance provider
  • Out-of-network” refers to a provider that does not have a contract with your insurance provider
  1. Think of the Future

No one can predict the future, but you may be able to take an educated guess as to what the next 12 months could hold. Thinking about the coming year could help you determine how much coverage is right for you and your family. Have you had any health issues in the past year? Are you taking any medications? By examining your current health status and concerns you may be able to narrow down your health insurance plan options.

  1. Utilize Your Resources

Did you know as a benefit of your FCA membership, you have access to our team of licensed Benefits Counselors? Our Benefits Counselors are experts in their field and are standing by to help you navigate the Open Enrollment process and find the best health insurance for you and your family’s needs.

We’ve been providing health insurance answers and guidance for over 30 years. Be sure to visit the FCA Private Insurance Exchange for access to appointment scheduling services, webinar replays, and other informational resources designed to help make the Open Enrollment process as quick and easy as possible.

  1. Know Your Deadlines

Like last year, the annual individual health insurance Open Enrollment period began on November 1 and will run until December 15. For those who enroll in one of these ACA-compliant plans, you can expect an effective date of January 1.

Non-ACA plans typically do not follow the ACA open enrollment period dates and are available in most states year-round.

Ready to make your decision? Visit https://fcachiro.memberbenefits.com/health-insurance/ today to secure ACA-compliant coverage for you and your family in 2020.

2020 Open Enrollment webinar invite FL GA

Upcoming 2020 Individual Health Insurance Open Enrollment Webinar

Join us for a free webinar on Wednesday, October 30 from 1:00pm-1:30pm EDT, where we’ll review the upcoming 2020 Individual Health Insurance Open Enrollment period and cover topics such as important dates, preparation tips, industry updates, and more! Reserve your spot by registering today. Can’t make it to the webinar? Register anyway and we’ll send you a link to the video replay later that day.

children eating ice cream cones on a park bench

Two Things Your Teeth Want You to Avoid This Summer

Summer is finally here. This is the time of year where families all over the country can sit back, relax together, and enjoy the warm weather. But while you and your family are trying to keep cool, there are a few summer staples you should avoid in order to prevent tooth decay and the resulting costly dental procedures.

Fruity Drinks

No summer is complete without at least a few fruity drinks by the pool. And while the fruit may be good for you and help keep you hydrated in the summer heat, the excess sugar won’t do you any favors. Despite the main ingredient being fruits and/or veggies, smoothies can contain lots of hidden sugar which can wreak havoc on not just your waistline, but your teeth as well.

According to WebMD, “tooth decay is caused by bacteria that feeds on sugars from food and drinks. That bacteria — called plaque — can stick to your teeth, producing acids that eat through the enamel on your teeth.” So, while a fruity drink or smoothie may sound great, don’t forget that water can be just as refreshing.

Chewing Ice

When it comes to ice cubes, those frozen cubes are best left melting in your cup.

Chewing on ice may seem like a harmless zero-calorie way to keep cool but it can lead to enamel damage. Like all hard foods, chewing on ice cubes can cause chips and cracks to your teeth and create a passageway for bacteria to get in and cause infections.

Aside from the potential for dental damage, chewing or craving ice can also be a sign of a larger health concern such an iron deficiency, or an eating disorder.

Keeping Your Mouth Protected

When it comes to maintaining good oral health and protecting yourself from costly dental work, the best thing you can do is to get covered.

Want to learn more about what dental plan options you have access to as an FCA member? Visit https://fcachiro.memberbenefits.com/dentalvision/ to learn more and to pick a plan that best fits your needs.

businessman in cafe talking on cell phone smiling at his lap top

I Missed Open Enrollment and Need Health Coverage — What Are My Options?

The next official ACA Open Enrollment period isn’t slated to begin until November 1, 2019. But depending on your circumstances, you may not have to wait that long to obtain coverage.

Qualifying Life Events and Special Enrollment Periods

Sometimes our circumstances change, and if they change due to specific events, you and your dependents may be able to secure health insurance through a Special Enrollment Period. When this occurs, it is called a Qualifying Life Event, otherwise referred to as a QLE.

There are several types of Qualifying Life Events that may grant you a Special Enrollment Period. Some of the most common examples include:

  • Loss of health coverage
    • Losing existing health coverage – including job-based, individual, and student plans
    • Losing eligibility for Medicare, Medicaid, or CHIP
    • Turning 26 and losing coverage through a parent’s plan
  • Changes in household size
    • Getting married or divorced
    • Having a baby or adopting a child
    • Death in the family
  • Changes in residence
    • Moving to a different ZIP code or county
    • A student moving to or from the place they attend school
    • A seasonal worker moving to or from the place they both live and work
    • Moving to or from a shelter or other transitional housing
  • Other qualifying events
    • Changes in your income that affect the coverage you qualify for
    • Gaining membership in a federally recognized tribe, or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
    • Becoming a U.S. citizen
    • Leaving incarceration (jail or prison)
    • AmeriCorps members starting or ending their service

Non-ACA Health Plans

Haven’t experienced a QLE but still need health coverage? A non-ACA health plan could be the answer. Also referred to as Short Term Medical Plans, recent legislative changes have loosened the restrictions surrounding these plans and have increased their appeal.

Previously, a Short-Term Medical plan could only provide coverage for up to 90 days. But due to recent regulatory changes, these plans can now be continued for up to a year.  Additionally, in some cases applicants may now renew their plan for up to three years.

Because Short-Term Medical Plans are considered non-ACA health plans, it is worth noting that they may not cover all that an ACA health plan would. For example, applicants could be denied coverage due to a pre-existing medical condition, maternity care may not be covered, and there could be an annual dollar limit on coverage. However, these plans are also typically less expensive than ACA plans and could be a good alternative for individuals seeking more affordable options.

Know Your Options

Do you think you may qualify for a Special Enrollment period? Are you interested in hearing more about non-ACA plans and if they may be the right fit for you? Our Benefits Counselors are always on hand to help answer your questions and guide you in the direction that will make the most sense for your unique needs.

Visit your association website to learn more about the Health Insurance offerings that may be available to you, or schedule an appointment with one of our licensed Benefits Counselors today.

mother and child practicing good dental hygiene in bathroom

Helpful Dental Hygiene Hacks for Kids

A common question among parents is when they should begin teaching their children oral hygiene. Many dentists assert that parents can start laying the groundwork for good brushing habits before their child’s first tooth even breaks the surface.

According to the Centers for Disease Control (CDC), tooth decay is the most common chronic disease found in children and adolescents, and is four times more likely to affect teens between 14 and 17 than asthma.

But for many parents, getting their kids to brush their teeth is a battle not unlike getting them to eat their broccoli or go to bed on time, But it doesn’t need to be this way. There are many ways parents can set their children up for success when it comes to their oral health without needing to resort to bargaining or threats.

Start Early

For newborns, it is common for parents to use gauze or another type of clean cloth to wipe down their gums down after feedings to discourage germs and bacteria from lingering and developing into problems down the line.

According to the American Academy of Pediatric Dentistry (AAPD), a child’s first trip to the dentist should coincide with the arrival of the first baby tooth, and should happen no later than their first birthday.

Early exposure to dentist visits and cleaning their mouths can help get your child used to these activities in the future. Starting good oral hygiene habits early can help show them that these activities are not out of the ordinary and are just part of the routine and nothing to be afraid of or anxious about.

Lead by Example

Whether it’s what you say or what you do, kids love to imitate adults. So, when it comes to oral hygiene, make sure you’re setting a good example. Try dancing, making funny faces, or even singing or humming a song while brushing. No matter what you do, just be sure that your child sees you enjoying brushing your teeth. This will teach them that brushing is a fun activity that they can look forward to.

Make It Fun

Toothbrush makers know that the more fun they can make brushing for kids, the more likely those kids will grow into adults with healthy brushing habits. That’s why so many toothbrushes now come in flashy colors – some with cartoon characters, some that play music, and others that light up.

And while you won’t be able to find any toothpaste to sing songs to your kids, you will find it available in a variety of colors, flavors, and some even with glitter or other special effects.

Having a cool toothbrush may be half the battle but using positive reinforcement techniques to encourage your toddler to keep brushing also helps. Sticker charts, a special snack, and even an extra ten minutes of play time are all great ideas.

Find What Works

No two children are the same and what works for one, may not work for another. Some children’s gums may be more sensitive than others which will force parents to opt for soft or silicone bristled toothbrushes. Ultimately, it is up to you, the parent, to figure out what works best for your child and hygiene structure.

For parents with children who struggle with developmental disabilities such as autism, the process for learning good oral health habits may prove even more challenging. And with roughly one out of every 40 children in America diagnosed with autism, there is a growing need for more dentists and dental practitioners to be both better equipped and knowledgeable when it comes to serving patients with developmental disabilities.

If your child falls into this group, and getting them to practice good oral hygiene proves too strenuous for both of you, a Board-certified Behavior Analyst (BCBA) may be able to help.

The Right Choice for Your Family

When was the last time your child made a trip to the dentist? With our Comprehensive PPO dental plan, your family will have the freedom to visit any licensed dentist in the country. You can save even more when you visit one of over 135,000 preferred dentists and 32,000 specialists nationwide. Make your family’s oral health a priority by visiting https://fcachiro.memberbenefits.com/dentalvision/ today.

boy carrying happy lab puppy down the street

3 Ways Pets Keep Us Happy And Healthy

According to the 2017-2018 National Pet Owners Survey, 68% of U.S. households (about 85 million families) own a pet. This number is up a whopping 56% since the first survey conducted in 1988 and has led to a steady increase in the amount of money people are spending to keep their pets happy and healthy.

In 2018, the American Pet Products Association (APPA) estimated that Americans were on track to spend approximately $72.13 billion on their pets, up $2.62 billion from the confirmed numbers of 2017.

But aside from spending our hard-earned money on our four-legged friends what do pet owners really get out of the relationship?

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