• Healthcare Program

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  • FCICA IS PROUD TO BRING OUR MEMBERS A SOLUTION FOR HEALTHCARE COVERAGE

    The FCICA Healthcare Program is a proven insurance alternative for members to consider for their healthcare.  The program has several components to choose from to customize their healthcare.  When each component is brought together, the result is a comprehensive and affordable option for healthcare.  The components include (and are detailed below):

    • Apex Preventative Care Plan that best fits your needs, family, and budget (2 Choices)
    • Add-on a Sedera membership for medical cost sharing to be used for accidents, illness, and unforeseen medical needs. (5 IUAs to choose from)
    • Take advantage of Teladoc telemedicine for increased savings and services (included with Sedera membership)
    • The comfort of 2nd.MD to ensure you and your family receive the most up-to-date medical treatment available (included with Sedera membership)

    NOTE: The SALA Healthcare Program is currently unavailable in Vermont and Alaska

  • Learn about the FCICA Healthcare Program Components:

  • Choose: an Apex Preventative Care Plan Choose: an Apex Preventative Care Plan

    Apex is the preventative care component of the SALA Healthcare Program. The Apex plans are not an insurance product, but a self‐funded plan sponsored by the Small Association Leadership Alliance (SALA). The Apex plans qualify as Minimum Essential Coverage (MEC) plans for preventative care coverage. A MEC plan must cover 100% of the Centers for Medicare & Medicaid (CMS) listed preventative and wellness benefits. The Apex plans are designed to meet your day-to-day healthcare needs.

    Participants choose either the: 

    • Apex Basic MEC Plan (HDHP), or
    • Apex Advantage Plan

    Both plans comply with ACA mandated preventative services with 100% coverage for all 21 preventative services for adults, 26 services for women, and 27 services for children. (Click here to learn more about the ACA requirement)  (https://www.healthcare.gov/coverage/preventive-care-benefits/)

    Apex Advantage: Apex Advantage provides 100% coverage for preventive care, copayments for small and medium cost medical expenses, and prescription coverage.

    • This plan includes: 100% coverage for preventive care services
    • Small co-pays for Specialists, Urgent Care, Lab, Imaging and Prescription Drugs.
    • Prescription drug coverage managed by WellDyneRX

    View Current Rate Sheets for Apex Advantage (https://sala.membershipsoftware.org/files/Apex_Advantage_Sedera_CurrentPricing.pdf)

    Apex HDHP/Basic MEC: The Apex HDHP (High Deductible High Premium) Plan provides the Minimum Essential Coverage at a lower monthly cost but does not include a prescription plan or coverage for specialists. The Apex HDHP plan does allow for the addition of a Health Savings Account (HSA). This plan includes:

    • 100% coverage for preventive care services
    • The plan provides the required framework allowing members to setup and use a Health Savings Account (HSA) for qualified medical expenses

    View Current Rate Sheets for Apex HDHP/Basic MEC (https://sala.membershipsoftware.org/files/Apex_HDHP_Sedera_CurrentPricing.pdf)

    To learn more about the Apex options, we recommend reviewing the following:

    Multi-Plan Provider Search Instructions  (https://sala.membershipsoftware.org/files/Multiplan_PHCS_Provider.pdf)

    Add: Sedera Medical Cost Sharing Add: Sedera Medical Cost Sharing

    The Sedera medical cost sharing model boldly challenges the insurance status quo. Through an innovative layering of healthcare services, we enable individuals and family’s access to high quality healthcare that is affordable, flexible and effective.

    In addition to sharing medical expenses, Sedera provides access to valuable Counseling, Medical Bill Negotiation, Telemedicine, Expert Second Opinion, and Personal Member Advisor services to all members.
    You can choose from 5 IUA's (Initial Unshareable Amount) that range from $500 to $5000.

    To learn more about Sedera we recommend reviewing the following:

    ​WARNING:  SEDERA, INC. IS NOT AN INSURANCE COMPANY AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY.  WHILE EVERY EFFORT IS MADE TO MEET MEMBER'S MEDICAL NEEDS, SEDERA, INC. AND THE SEDERA MEDICAL COST SHARING COMMUNITY DO NOT GUARANTEE PAYMENT OF ANY MEDICAL EXPENSE.

    Telemedicine through TelaDoc Telemedicine through TelaDoc

    Sedera members have 24/7/365 access to a board-certified physician through Teladoc telemedicine. This service provides on-call physicians available to help resolve routine medical issues by phone or video consultations. Members considering a trip to the Emergency Room, urgent care center, minute clinic or who just cannot wait to get scheduled for a doctor’s office visit can use Teladoc to access medical care, saving both time and money.

    Benefits include:

    • On-demand care – talk to a doctor anytime, no matter where
    • Prompt diagnosis for faster treatment
    • No consultation time limits
    • Treatment of children of any age
    • Secure and portable health records
    • Cost savings on expensive ER or urgent care visits
    • Physicians can prescribe non-narcotic medication or refills when appropriate
    • More info: Telemedicine FAQ (http://sala.membershipsoftware.org/files/Healthcare/TeladocMemberFAQ.pdf)

    2nd.MD Medical Second Opinion 2nd.MD Medical Second Opinion

    We’ve all hassled with doctor waitlists, gone back and forth to get a referral and searched the web for answers to medical issues. As a member of Sedera Health, you can bypass these frustrating steps through a program called 2nd.MD. This offering allows members to quickly and easily connect with some of the world’s best doctors for consultation via phone or webcam.

    Benefits include:

    • Distinguished Network: 2nd.MD recommends the best medical specialist for your care.
    • Virtual Consults: Schedule a video or phone consultation at a time that’s most convenient for you.
    • Concierge Care: Provides you with a dedicated medical professional who handles your case from beginning to end.
    • Follow-Up Notes: Once your consultation is complete, you will receive a written summary from your doctor.
    • Local Referrals: 2nd.MD will help you find local doctors and institutions best equipped to carry out your treatment.
    • More info: 2nd MD - Specialists

    How to enroll How to enroll

    Your step-by-step guide to the FCICA Healthcare Program:

    1.  Be an FCICA member in good standing.

    • Not a member? Join Today
    • You will need to login to the FCICA Member Center
    • Don't know your login? Please email sarah@fcica.com

    2.  Watch the informational webinar. Viewing the webinar will be the best introduction to this program and will help you understand the documents and resources below. Click here to watch at any time 

    3.  Explore the program & plans. Click on the document links below to explore program details, FAQ, Key Terms and real-world savings examples!

    4.  Decide if this program is right for you, your family, your employees or your business.

    • If it’s the right fit, continue to step 5
    • If it isn’t, don’t be discouraged – FCICA is committed to providing options for our members to access affordable healthcare and ways to fill coverage gaps.

    5.  Time to join! Login to the FCICA Member Center at https://www.fcica.com/login. Once you have logged in, click on the Resources Tab, then click on *FCICA Healthcare Program* found on the left hand side of the page for enrollment materials and a special members only link for enrollment.

  • For more help and answers to your questions:

    Please contact our healthcare program support center by email: hpsupport@smallassociations.org or toll free at 888.994.4979