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Help Prevent the Spread of Illness - Use Telemedicine! 
Help prevent the spread of illness - avoid contact with sick people at the doctor's office by utilizing telemedicine instead! 

Did you know up to 70% of medical issues can be solved over the phone? Call a doctor (US-based) anytime, & get a prescription written, if  medically   needed. No visit fee when you kidding!

With FreshBenies, you get 24/7 access to talk to a U.S. Board-Certified doctor in your state. They can diagnose and prescribe medication for a variety of common illnesses. 
  • On-demand healthcare-wherever, whenever
  • Treatment for common medical issues such as colds, flu, poison ivy, respiratory infections, bronchitis, pink eye, sinus problems, allergies, urinary tract infections and ear infections
  • 10 minute average doctor response time
  • Visits for all ages-from children to seniors
  • U.S. board-certified doctors with an average 20 years practice experience
  • Upon request, Teladoc can share visit information with your doctor
  • Monthly costs as low as $18 covers the whole family
With this very affordable add-on, you can have peace of mind, avoid wait times and germ-ridden waiting rooms. The best part? If you have a high deductible health insurance plan, you are also avoiding the cost of an office visit. 

We have personally used this benefit in our office for years and highly recommend it. 

Life Insurance 101
A common misconception is that you only need life insurance during certain phases of life. 
Truth is, you need coverage no matter what stage you're in - but the type and how much are determined based on your individual circumstances.  Our Advisors can help you navigate your options so that you have peace of mind now and a plan for later.  Don't wait to have that important conversation. 

Read More to learn about the different types of life insurance and what's right for you.

Tax Form Information
One of the most common questions we get this season is "how do I find my 1095 form for health insurance?"

To obtain that form, you will need to contact your insurance company directly. They do make it available online and may also mail it to you. You can log in to your member portal with your insurance company to download it, or call them using the number on the back of your ID card. will also have it available.  To access it via, please follow these instructions

**Please be advised that CFI does not prepare taxes or give tax advice. If you have more questions about your 1095 forms, please visit the IRS page HERE .**
Monthly Tip! 
You need medical attention, but which service is the best fit for your medical needs? Which one costs more?

 Call 911 or go to an emergency room (ER) if you have a life-threatening condition. For everything else, see your primary care
physician (PCP) or family doctor first. If seeing your PCP isn't possible, it's important to know your options, especially
before heading to an ER.
Getting care at the best place for your condition could save you up to $1,800 compared to an ER visit.

Your health insurance plan has a specific network - it's obvious to start there, but how do you know whether you should visit the emergency room, urgent care, or a primary care physician?  Check out this  helpful example  from United Healthcare. 

As always, if you have questions about how a service is covered, we are here to help.

Spotlight: Medicare & Vision
Is your Medicare plan meeting your eye care and eyewear needs? 

With a VSP Individual Vision Plan you can get back the kind of coverage you had before with access to quality eye care and eyewear and low out-of-pocket costs. 


Contact your Advisor if you want to talk about adding that extra layer of protection!

High Deductible?

Since the ACA, many of our clients have been forced into a high deductible plan.  Consider getting a jump start on your healthcare spending by adding a plan to cover your deductible. We offer very affordable accident, hospital and critical illness coverage that can help cover that high deductible - paying you cash to use toward medical expenses or even household upkeep, childcare, and any other expenses that come with a major medical event.  Protect your family and your future. Ask us about it today! 740-363-5433 

Jim Roesch,  CEO and Chief Visionary Director