Chad Efron - Family First Health Advisors

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Chad Efron - Family First Health Advisors

Helping individuals/families/small businesses get health coverage from an advisor you can trust!

Helping individuals/families/small businesses get private health coverage that fits both their needs and budget.

06/16/2026

When it comes to dental insurance, assumptions about how plans work can sometimes lead to confusion. Knowing the facts can help you make smarter decisions about your care and your coverage.

Here are a few more common dental insurance myths to be aware of:

✅ “Dental insurance works just like medical insurance.” Dental plans are generally structured around preventive maintenance and predictable cost-sharing. Many include annual maximums and tiered coverage levels for preventive, basic, and major services.

✅ “If nothing hurts, there’s no need to go for a visit.” Some dental conditions can develop without pain at first. Regular preventive visits enable early detection, helping to reduce the likelihood of urgent or more costly treatment later.

✅ “Indemnity plans pay whatever the dentist charges.” Indemnity plans typically reimburse based on standard fee benchmarks, not necessarily the full billed amount. If provider fees exceed those benchmarks, the remaining balance may become the patient’s responsibility.

Preventive visits and a clear understanding of your plan can go a long way in protecting both your oral health and your wallet. If you would like help reviewing your dental coverage, I would be glad to assist.

06/05/2026

Dental insurance can feel confusing, and small misconceptions can lead to delayed care, missed benefits, or higher out-of-pocket costs over time. With Oral Health Month as a reminder to prioritize preventive care, it is a great opportunity to clear up a few common myths.

Here are a few things many people misunderstand about dental coverage:

🔹 “Cleanings aren’t covered.” In fact, many dental plans emphasize preventive care. Exams and cleanings are often covered at high levels because catching issues early helps reduce the likelihood of more extensive, costly procedures later.

🔹 “Waiting to treat issues can save money.” Delaying treatment typically increases costs. For example, a small cavity treated early may require only a basic filling, while waiting could lead to a crown or root canal with higher coinsurance and more time involved.

🔹 “All dentists are in-network with my plan.” Networks vary by plan and carrier. Scheduling with an out-of-network provider without verifying participation can result in higher out-of-pocket expenses.

Understanding how your dental plan works can help you get the most value from your coverage. If you have questions about how your dental benefits work, feel free to reach out. I am always happy to help review your options.

06/02/2026

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of preventive screenings included with their health care coverage. Preventive screenings are among the most powerful tools for early detection of serious illnesses, and catching something early can make all the difference.

Here are some key screenings and wellness checks worth knowing about and at what age they start:

✅ Cholesterol checks - These key preventive screenings should start at 17 to monitor heart health and reduce the risk of heart disease and stroke. They’re recommended every four to six years.
✅ Diabetes screening - Diabetes screenings are recommended to begin at age 35 and every three years after, or earlier if risk factors are present, such as family history or being overweight.
✅ Prostate cancer screening - Men should start receiving regular prostate cancer screenings with their doctor, typically starting around age 50, or earlier for those with higher risk factors.
✅ Colorectal cancer screening - For men, a colonoscopy is recommended starting at age 45 for those with average risk and should be repeated every 10 years. The frequency of screening may increase based on your doctor’s assessment of your risk level.
✅ General mental health screening - These screenings are often conducted at annual checkups, at any age. They are a good time to speak openly with your provider about anxiety, depression, or any changes in your mood.

Every man's health journey looks different, so it’s best to talk with your doctor about which screenings are right for your age, history, and lifestyle.

Have questions about what your health coverage includes? Give us a call. We are here to help you make the most of your benefits.

05/28/2026

As summer approaches, calendars fill up quickly. This is often when routine health care gets put off, but taking care of these preventive services early can help keep you healthy all summer long. Many of these services are covered under health plans and are designed to detect potential issues early, before they turn into more serious health concerns.

Coverage varies, but common preventive services may include:

✅ Annual wellness visits and routine physical exams.
✅ Blood pressure, cholesterol, and diabetes screenings.
✅ Cancer screenings.
✅ Well-child visits and developmental checkups.
✅ Recommended vaccinations.
✅ Preventive counseling related to nutrition, to***co use, or mental health.

Booking appointments in advance can also help avoid scheduling bottlenecks and missed coverage opportunities.

If you have questions about what your plan covers, don’t hesitate to reach out. Our team is here to help guide you.

05/25/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

05/19/2026

Throughout your life, you’ll go through many changes. Your health insurance should keep up with them.

Regardless of whether you’re exploring new plan options, adding dependents, or selecting additional coverages, we’re here to make sure your health insurance is keeping up with your needs.

If you have any questions about your current coverage or if you would like to explore your options, don’t hesitate to reach out. We are here for you.

05/10/2026

In celebration of Mother’s Day, we want to take a moment to honor the mothers, grandmothers, and maternal figures who enrich our lives with love, wisdom, and unwavering support.

We hope your day is filled with the appreciation, warmth, and joy you so richly deserve.

Happy Mother's Day!

05/06/2026

Graduation season is here, and we wanted to take a moment to celebrate the graduates in our network!

Whether your graduate is completing Pre-K or their MBA, we want to extend heartfelt congratulations on this milestone.

Here’s to new beginnings, exciting opportunities, and all the big moments that lie ahead🎉

04/22/2026

Happy Earth Day! In celebration, we invite you to join us in making one simple eco-friendly choice — whether it is using a reusable water bottle, choosing to walk or carpool instead of driving alone, or saying no to single-use plastics.

Small actions can add up to a big impact. Let's make a difference together!

Address

Port Saint Lucie, FL
34987

Telephone

+19546476683

Website

http://Www.familyfirsthealthadvisors.com/, https://bit.ly/DentalAndVisionWithMelissa

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