Benefits Information

Each benefit below provides a brief description of the product or service. Following each benefit description is a READ MORE button. By clicking on the READ MORE button, you will see detailed information on each product or service, along with brochures and pricing where applicable.

Once you select one of the “Enroll Now” buttons, you will be redirected to the enrollment site.  If you have any problems or questions, please email us at and use “Enrollment help” for your subject line.

FBCI Association Member Benefits

Membership includes an online personal health management system called Personal Health Dashboard TM (PHD). Based on personal health assessment results, this online tool allows participants learn about their health risks and how they can modify their risks through Risk Resolutions Guidelines and more. Some features include tracking and storing vital measurements, access to wellness health education program, videos and medical library, incentive tracking, health tracking for physical activity. As a member, you will also receive access to the first bundle of health and wellness apps and self-help programs designed to help you improve your life and save you money. Members also gain access to buy products to improve health and well-being such as CBD, vitamins and skin care.


Life Insurance

Obtain peace of mind to protect those you love.  Guaranteed issue life insurance with face amounts up to $150,000.  Higher individual amounts available. Life insurance through your company may not be enough for your family’s needs.  Plus, you might not be able to take your insurance with you when you leave.


Direct Primary Care (DPC)

DPC plans offer consistent healthcare direct to physicians. If you have an HSA, High Deductible Plan, (HDP), or don’t currently have health coverage, you have to pay 100% of your doctor visits. As opposed to Telemedicine plans, a DPC plan takes continuing responsibility for facilitating the patient’s comprehensive care including: preventative care, chronic disease management, pain management and ongoing patient care. Plan also includes Telemedicine, drug discounts and other healthcare related discounts. Two affordable DPC plans are available: Virtual and in-network Face-to-Face with physicians.



A Healthshare plan provides an affordable alternative to typical major medical health plans at typically 60% less, or more, as compared to major medical plans.  The need for healthcare is always there.  Your ability to afford it is not.  Healthshare plans provide medical care for hospital stays, surgeries and any other medical expenses just like normal major medical plans.  In addition to substantially lower costs, the member may go to any physician or hospital, there is an unlimited benefit payout both annually and life-time, and your plan cannot be cancelled due to high claims or have a rate increase due to high claims.


Accident Medical Expense (AME) coverage

Up to $2500, $5000, $7500 or $10,000 in AME Coverage:
Most health policies have a high deductible. The average trip to an emergency room could require you to pay hundreds of dollars out-of-pocket! Can you afford this sudden expense?

You never know when an accident will happen, but when it does you should be prepared. For those without coverage this plan is affordable and one you shouldn’t be without. The potential savings it offers for services and health-related products more than justifies the cost.


Critical Illness Insurance

Provides lump sum benefit for cancer, heart attack and stroke diagnosis, with a minimum of $10,000 benefit.  Other covered conditions at full benefit amount include, but not limited to:  brain tumor, coma, end stage renal failure, multiple sclerosis. Plan also pays a recurrence benefit as long as secondary diagnosis is separated by six months.  Once the individual signs up, they are locked in at the same age rate as long as they have the plan.


Short-Term Disability

We insure our homes, our cars, our lives, but often times we don’t insure our most important asset…our ability to make a living and bring in income. Insuring one’s income is vitally important. Also, choosing an affordable option to insure income is paramount.


Dental Insurance

Our affordable dental plan, even less than most corporate plans, allows you to go to choose dentist from a large national network.  Plan pays 100% of negotiated fee for cleanings, routine exams and bitewing x-rays twice per year.   Click below to learn more about the comprehensive dental plan.  All ages 18 and over accepted.


Vision Insurance

Eye exam for only $10 through network.  No waiting periods.  Pays up to $180 towards frames and up to $130 for contacts, plus other cost saving features.


Prescription Plan

On this affordable prescription plan, receive over 300 of the most commonly prescribed drugs for either NOTHING, or for only $1! Substantial discounts on prescriptions, as well as discounts on pet medication.


Begin Enrollment

Once you have reviewed the benefit offerings and wish to sign up for one or more benefits, please click the Enroll Now button below and it will take you to the enrollment portal.  

You will need to input your personal information along with the necessary information for anyone to be covered.

In some cases, links or phone numbers are provided to gain access directly to the benefit or service provided.  Should you call or go directly via link, and wish to sign up on other benefits, you will need to come back to this enrollment page if you wish to review and/or participate on other benefits.

(PLEASE NOTE:  No one will call you to solicit business unless you request a call)

Need help?

For any further questions, please call Customer Service at (833) 469-3224.

If you have any problems or questions after you select one of the “Enroll Now” buttons and are redirected to the enrollment site, please email us at and use “Enrollment help” for your subject line.


This webpage is provided for summary purposes only and is not a complete description of the plan benefits, limitations, and exclusions. If participating on an insurance product, read your certificate of insurance, policy or brochure, for complete details on plan benefits, limitations, and exclusions.

The information contained on this webpage is for general information purposes only.  FBCI, partnering with SBC Benefits, LLC, and its broker affiliates assume no responsibility for errors or omissions on the contents on the various insurance plans, services and/or benefits described herein.  In no event shall FBCI or SBC Benefits, LLC., be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connections the use of the Service/Product, or the contents of their Service.  SBC Benefits, LLC. reserves the right to make additions, deletions, or modification to the contents on the Service at any time without prior notice.

This website may contain links to external websites that are not provided by or maintained by or in any way affiliated with FBCI or SBC Benefits, LLC.  Please note that FBCI and SBC Benefits, LLC. does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

Like most benefit programs, certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force, exist.    A quote of benefits does not guarantee coverage. Not everyone will qualify for all products/services offered herein. It is at the sole discretion of the appropriate insurance carrier, or company, to provide coverage where available.  Please contact the appropriate number provided for complete plan details.

The Direct Primary Care Plan, (DPC) and Healthshare Plan offered, is NOT insurance.  Certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force, exist.    A quote of benefits does not guarantee coverage. Not everyone will qualify for all products/services offered herein.

Not all products and services are available in all states and rates may vary by state.