AFFORDABLE PREMIUMS -- COMPREHENSIVE BENEFITS
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HEALTH-MEDICAL & LONG TERM CARE
FCFS, offers the full line of HMO/PPO plans as well as the High Deductible Health Plan(HDHP) qualifying for the Health Savings Account(HSA)with a variety of deductibles, out-of-pocket-expense-maximums, and life-time maximums, all designed to fit your needs (Health Net, Blue Cross, Assurant Health, Western Health Advantage).
Group Quotes available upon request(2-125) Visit the Group Health page for the request form or call 916-338-1345 .
FCFS services PPO and HMO Dental plans. PPO Dental Plans starting at $11.95 to $39.95 and HMO Dental Plans start as low as $11 monthly, $15.50, to $19.50. (Blue Cross, Safe Guard, Delta Dental, Humanna Dental, Safe Guard). If you're in need of quality dental coverage, provide FCFS with your zip code and We'll show you the dental plan that will help keep the sparkle in your smile
Long Term Health Care (LTC) is of an increasing concern. With the family nucleus scattered across a state or several states, it has become increasingly harder for us to take care of our parents and/or grandparents and even more challenging is to provide the quality of care they deserve. With baby boomers approaching retirement and with longevity added into the equation, LTC is the solution. If you have a concern like THIS, "IT'S TOO EXPENSIVE." The fact is the cost in premiums over 20 years is equal to the cost of 3-4 months in a nursing home. Presently, 1.5 million people receive care in a nursing home, another 12 million receive care OUTSIDE nursing homes.
Through our date base of providers, FCFS designs a plan to fit your needs and budget, addressing many options for alternative care: assisted living, home health care & adult day care.
LTC Policy Facets:
*Tax Qualified or Non-Tax Qualified plans.
*Pay your policy in full, in ten-years with the 10-pay option or use the paid-up at 65-option starting payments anytime you choose, prior to age 65.
*Nursing Home Daily Benefit structure starting at $60 a day to $500 a day ($5 increments).
*Several Elimination periods-- 30-day, 60-day, 90-day or 180 days.
*Benefit Durations of-- 2-yr, 3-yr, 4-yr, 5-yr & Lifetime.
*Home Hospice Care-- 50% copay, 75% plan-copay or 100% plan pay.
*Benefit Enhancement Options of-- Cost of Living Adjustment (COLI),Simple increase option or Compounded increase benefits option.
To request more information or to schedule an appointment with a licensed representative CALL or EMAIL NOW!
JosephJr@FirstCapitalFin.com (click)
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