How to Minimize Your Long-Term Care Risk

Watching a loved one struggle with living independently in their old age is hard — being the one struggling must be even harder.

Activities of Daily Living (ADLs) are used as a way of determining a person’s ability to live independently or see if they need help. That help can range from a family member who checks in and runs errands, to a part-time nurse, or even relocating the individual to an assisted living facility or nursing home.

While there is no way to predict whether a person will develop a condition that limits their ability to live independently, modern science has shown that there are things we can do now to help keep us healthy and more active and independent in the future.

Keep Moving

There is no shortage to the benefits associated with exercising. On top of helping you keep unwanted weight, depression, and mobility issues at bay, studies have shown that individuals who exercise regularly tend to be at a lower risk of developing cognitive impairment. The American Heart Association suggests a goal of 150 minutes of moderate-intensity aerobic activity a week — but it’s always important to talk to a doctor before starting a new exercise routine.

Eat Right

Much like exercise, maintaining a balanced diet is always a good idea. Diets rich in fruits and vegetables can provide you with a natural source of important vitamins and minerals. The foods we eat can also help boost our immune systems, bone health, and more.

Stay Sharp

Like our bodies, our minds require exercise as well. Learning a new skill, visiting a new place, staying on top of current events, and even playing games, can help keep your mind sharp and slow the rate of mental decline.

Plan Ahead

Just as there is no way to accurately single out individuals who will need long-term care in the future, there is also no foolproof way to prevent it. Accidents, lifestyle, and genetics are just a few of the things that ultimately determine how our minds and bodies age.

But planning ahead in the face of uncertainty can help give you valuable peace of mind. As a member of the FCA, you have unique access to licensed long-term care specialists that can help you decide if long-term care insurance is right for you and your family. To learn more or request more information, please visit https://fcachiro.memberbenefits.com/long-term-care/ today.

5 Tips To Help You Protect Your Identity

Despite best efforts on behalf of businesses and consumers alike, cases of identity theft and fraud have continued to rise. In 2017 alone, an estimated 16.7 million individuals had their identities compromised, up 1.3 million from 2016 and 3.6 million from 2015, according to the 2018 Identity Fraud Study conducted by Javelin Strategy & Research.

While banks and retailers have taken steps to protect credit card information from being stolen (such as with EMV chips), many retailers still require customers to swipe – which eliminates the benefits of the EMV chip altogether.

Know Your Options

You may be feeling helpless when it comes to identity theft, but there are steps you can take to keep your information protected.

Tip #1: Freeze your credit

Thanks to the Economic Growth, Regulatory Relief, and Consumer Protection Act, there is no longer a fee associated with freezing your credit. This is one of the easiest ways you can protect your information without doing anything more than contacting the three major reporting bureaus—Equifax, Experian, and TransUnion. According to Experian, “when you freeze your credit report, you are stopping any of your personal data from being reported to lenders and creditors. Thus, in the event that a fraudster would try to use your Social Security number to apply for a credit card, that application would be rejected, as the bank would be unable to verify your credit score.”

If freezing isn’t for you, all three major credit bureaus offer mobile apps that allow you to lock and unlock your credit using your smartphone.

Tip #2: Update your passwords

The street you grew up on, your pet’s name, or the high school you graduated from are not hard to find out. Instead, consider a random series of letters, numbers, and special characters. Experts such as Perfect Passwords author Mark Burnett suggest coming up with a new secure password every six to twelve months.

Tip #3: Monitor your accounts

If you suspect your identity has been stolen, the faster you act the better. Many banks now monitor your accounts for you and will either text or call you if they suspect any fraudulent activity, but it’s always a good idea to keep an eye on your accounts yourself. It’s important to read through every account charge and investigate anything you don’t recognize immediately.

Tip #4: Don’t leave a trail

How many credit card offers do you receive in the mail, and then simply throw away? According to NerdWallet, “Stolen mail is one of the easiest paths to a stolen identity.” If you haven’t already invested in a personal shredder, there are a number of models designed to help keep your identity safe and protected for less than $30.

Tip #5: DON’T CARRY YOUR SOCIAL SECURITY CARD EVERYWHERE

No one means to misplace their wallet, have their car broken into, or their purse stolen, but accidents happen. This is why it is never a good idea to carry your social security card with you at all times. According to Steven J.J. Weisman, Esq., an Amherst, Massachusetts-based college professor who specializes in white-collar crime, “A Social Security number is the most important piece of information that a criminal can use to make you a victim of identity theft so you shouldn’t carry it with you in your wallet, anyway.”

A better place to store your social security card may be at home, in a safe place, preferably under lock and key.

Protect Your Information

Are you concerned about your risk of identity theft? Visit our Identity Theft Protection page to see what is available to you as a member.

Knowing the Difference Between the ER and Urgent Care Could Save You Thousands

Not knowing where to go when you or your child gets sick can be terrifying. Your family doctor may not always be available when you need them, but your circumstances may not be severe enough to warrant a trip to the ER.

But how do you know if a visit to an urgent care center will work just as well and save you money?

Seeking Urgent Care

Thousands of urgent care centers and walk-in clinics have sprung up around the country to help families receive quick medical attention for a variety of issues. According to a December 2019 Forbes article, the number of urgent care centers in the U.S. (9,272) increased by 6% from the previous year. This is just the latest in a series of positive annual growth statistics specific to the urgent care industry.

Many of these locations can test, diagnose, and treat common viral infections, administer stitches to minor lacerations, and much more. But not all urgent care centers or walk-in clinics provide the same services. Before making an appointment or visiting a physical location, be sure to find out which services they offer first (most will have their range of services listed online).

Another increasingly popular service, telehealth, is helping to bring the doctor’s office to the convenience of your couch. Telehealth (also known as telemedicine) has provided relief for overwhelmed doctors offices and urgent care centers alike throughout the COVID-19 crisis and has allowed families to get the care they need while staying safe.

Regardless of how you seek treatment, you may be referred to an ER, specialist, or follow-up appointment if your condition warrants further medical attention.

When to Visit an Emergency Room

Going to an ER may seem scary (not to mention, expensive) but in some cases, it may be necessary.

According to Scripps, if you are experiencing any of the following symptoms you should be evaluated in an emergency room, where medical professionals have access to a full range of resources to treat you:

  • Chest pain
  • Breathing difficulties
  • Weakness or numbness on one side of the body
  • Slurred speech
  • Fainting
  • Changes in mental state
  • Serious burns
  • Head or eye injury
  • Broken bones or dislocated joints
  • Fever accompanied by a rash
  • Seizures
  • Severe cuts
  • Facial lacerations
  • Severe cold or flu symptoms
  • Vaginal bleeding with pregnancy

Covering the Cost of Care

Major medical health insurance can help cover the cost of these types of healthcare. The annual open enrollment period for ACA-compliant health plans runs from November 1 to December 15. If you’ve experienced a qualifying life event (QLE) outside of that period, you may be eligible for a special enrollment period. For more information on QLEs, as well as non-ACA “short-term” health insurance plans (which are available all year long), visit https://fcachiro.memberbenefits.com/health-insurance/.

A Smile Has More Power Than You Think

The act of smiling is part of a universal language that everyone understands. When someone cries, they are sad or hurt; when someone laughs, they felt something was funny; and when someone smiles, they are happy or being friendly. No matter where you are in the world, a smile will always be welcomed and understood.

But could smiling have more health benefits we thought?

Health Benefits of Smiling

According to NBC News, “science has shown that the mere act of smiling can lift your mood, lower stress, boost your immune system and possibly even prolong your life.”

Smiling triggers the body to produce serotonin and dopamine resulting in an elevated mood. Not only are these chemicals part of the recipe for happiness, they may also play a part in boosting the immune system.

In one study, participants were separated into two groups, and both exposed to a virus. The first group was exposed to happiness-inducing stimuli and the second group was not. The results of the experiment showed that the group not exposed the happiness-inducing stimuli experienced higher infection rates than the other, leading some scientists to suggest that happiness can have an impact on one’s immune system.

This is just one study of many to suggest a link between those who are unhappy and those with weaker immune systems.

In addition to boosting immune systems, smiling has also been scientifically linked to:

  • lowering heart rate
  • lowering blood pressure
  • longevity

What does your smile say?

Wouldn’t it be nice to smile with confidence? Whether you find yourself in need of costly dental repair or just a good bi-annual cleaning, as a member of the FCA, you have access to unique savings on dental insurance.

With the Comprehensive PPO Dental Plan you have the freedom to visit any licensed dentist in the country and enjoy an annual max of $1,750. To learn more about the Comprehensive PPO Dental Plan or what other options are available to you as a member of the FCA, visit https://fcachiro.memberbenefits.com/dentalvision/ today.

weimaraner puppy

My Pet Ran Away, What Do I Do?

One of the scariest situations anyone can face is a missing pet.

The good news is, when a pet runs away, they seldom go very far – which makes it more likely to reunite with them. According to a 2012 study, 59% of lost cats and 20% of lost dogs return home on their own after being lost. But there are always additional steps you can take to help ensure a happy reunion.

Lure Them Back with Scent

Both cats and dogs have highly developed senses of smell and direction. For dogs, consider putting something with your scent on it outside near where you think it got out. For cats, putting their litter box outside may be your best course of action. Even if the litter box has just been cleaned, your cat may still recognize the scent and come back to it.

Get Their Picture Out

Social media has become a great tool for reuniting lost pets with their owners. Post on community Facebook groups, and share it among your own network of friends to help spread the word organically.

Much like flyers (which you can also print and post in your area), your social post should include at least one photo of your pet, their name, gender, any identifying features, when and where they went missing, and your contact information.

Take a Walk

Most lost pets tend to stay close to home, so walking around your own neighborhood is a great place to begin your search. Try calling their name, and carry their food with you. According to the aforementioned study, searching the neighborhood was the most successful way to locate a lost dog (49%), and the second most successful way to reunite with a lost cat (30%).

Don’t become discouraged if your missing pet doesn’t immediately appear. A scared cat or dog may not move or even make a sound out of fear of predators, so it’s important to have patience and keep trying.

Check Local Shelters

When a stray animal is brought in to an animal shelter or city animal control, they are placed on a “stray hold”. These hold times vary by state so it’s best to know the laws regarding lost and found pets in your area. If your pet is left unclaimed after the stray hold period, it will be put up for adoption as long as it is in good health.

The Importance of Microchipping

The best way to avoid your pet getting lost is to do everything you can to prevent it. Still, accidents can happen.

Fortunately, pet owners now have affordable access to microchip technology. The concept may sound like something out of a science fiction movie, but it is the equivalent of your pet wearing a tag and collar that can never come off.

The procedure only takes a minute and is often done during the pets spay or neuter procedure. During the surgery, a tiny microchip with your contact information is implanted anywhere from the neck to between the shoulder blades of the animal. The microchip is approximately the size of a grain of rice and shouldn’t cause your pet any discomfort.

If your pet ever goes missing and is later scanned for a microchip, your information will be made available to the veterinary office and an attempt will be made to contact you with the information from the chip. (So make sure that you keep your contact information with them up to date.)

A Lifetime Commitment

When adopting any animal, it’s important to understand that you are committing to keeping your new pet happy and healthy until the end of their days.

Pet ownership can be expensive, and an unexpected illness or injury to them can be a financial drain. To help offset these costs, the FCA Private Insurance Exchange has teamed up with one of the top pet insurance carriers in the country to offer discounts on coverage to members. To learn more, or to request a quote, please visit fcachiro.memberbenefits.com/pet-insurance/ today.

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.

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