Question 1

HEALTH INSURANCE

Accepted Answer

Every business wants to attract high quality employees who will contribute to the growth and success of the company. In order to recruit and retain these people, many business owners offer Group Health insurance as an employee benefit. That same strategy may be right for you.   Even if your company is small, you can still offer Group Health insurance. We know that navigating the world of health care can be confusing. Full Circle Insurance has the knowledge and resources to assist you in selections and a benefit offering that will work for you and your team.

Question 2

DENTAL INSURANCE

Accepted Answer

Aside from protecting your smile, dental care ensures good oral and overall health. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Understanding and choosing dental coverage will help protect you and your family from the high cost of dental disease and surgery.   In today’s world, there are traditional and untraditional plans for dental care. We offer options for standard dental insurance, and we also offer supplemental dental insurance. Plans can range from routine maintenance to a more comprehensive plan that meets the needs of your company and your team.

Question 3

VISION INSURANCE

Accepted Answer

Driving, reading your phone, and watching television are activities you perform every day. Your ability to do all of these, however, depends on your vision and eye health.   A visit with your eye doctor can determine whether you need corrective lenses and, if so, the correct prescription. Other eye concerns that will be addressed in an eye exam include checking for conditions or diseases such as glaucoma and cataracts, which can lead to vision loss. Obtaining vision insurance is a way to make sure you can continue enjoying good health as well as the sights around you.   Vision coverage is like regular medical insurance and is one of the voluntary benefit options commonly offered through employers. When you have vision insurance, you pay a premium and the insurance company will cover part or all the cost for vision care.

Question 4

LIFE INSURANCE

Accepted Answer

Life Insurance is a key component in planning for your family. No one likes to think about this policy, but it does offer financial protection to your loved ones if you die suddenly or due to an illness. The beneficiaries of your life insurance policy receive a lump sum that covers bills, everyday expenses, and various anticipated costs — such as medical bills or college tuition. There are several types of policies available including Term, Whole Life, Final Expense, Juvenile Life Insurance as well as policies with Long Term Care riders and policies that offer cash value options.

Question 5

DISABILITY INSURANCE

Accepted Answer

Disability insurance is protection for your greatest asset — your income. This type of insurance coverage replaces a portion of your monthly income if injury or illness prevents you from working.  It is commonly referred to as “paycheck protection.”   Having disability insurance provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. The disability insurance benefits you receive from your policy can be used however you want, from monthly bills and out-of-pocket medical expenses to childcare and groceries.   You may also hear disability insurance referred to as disability income insurance or income protection insurance.

Question 6

VOLUNTARY INSURANCE

Accepted Answer

As the insurance landscape continues to evolve, it has highlighted the importance of Voluntary Insurance. This type of insurance gives the policyholder the power to enhance their medical insurance and reduce out of pocket expenses by providing cash benefits to the insured. Common types of voluntary policies can include:   Cancer Accident Hospital Critical Illness Disability Life Family Planning   ​​​​​​​These plans can be purchased individually or with a payroll deduction through an employer. Coverage offered by an employer can reduce the premium and offer tax saving to both the business and their employees.

Question 7

COST EFFECTIVE HEALTH PLANS

Accepted Answer

The ever-changing world has made traditional insurance unaffordable for many employers and employees   Our plans offer a unique and affordable solution. With usable benefits that help you attract and retain key employees.   Easy Access to Benefits   $0 deductible plans Limited day, copay driven plans 8 levels of coverage available  Product Availability   Available in all 50 states Underwriting   Designed to be ACA Compliant Minimum participation of only 2 lives Guaranteed issue with no underwriting No quotes required!  Shelf-rated pricing, rates are the same regardless of group Additional Features   No employer contribution required National network of 660,000 providers Level-funded for fixed premium and risk mitigation

Question 8

PLAN DETAILS & BENEFITS

Accepted Answer

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