Easy, affordable, and adaptable benefit solutions
Customize an ancillary healthcare solution to fit your needs with Fixed Indemnity, Accident Indemnity, Critical Illness, and Hospital Indemnity. These flexible voluntary products are designed to protect the financial wellbeing of healthcare consumers, alongside major medical plans.
Products
Accident Indemnity
Support employees with help for unexpected out-of-pocket costs in the case of an accident.
Critical Illness
Give your clients and their employees protection and peace of mind in the case of a life-changing illness.
Hospital Indemnity
Support your clients and their employees by helping to mitigate the costs of a hospital stay.
Fixed Indemnity
Help your clients protect their seasonal and hourly employees with access to healthcare benefits.
The BCS Advantage
BCS Financial Corporation has 75 years of experience delivering a wide-range of insurance and financial solutions for Blue Cross and Blue Shield organizations nationwide. Through its subsidiaries, BCS Insurance Company and 4 Ever Life Insurance Company, BCS is licensed in all 50 states and is rated A (Excellent) by A.M. Best. BCS Financial is headquartered in Oakbrook Terrace, Ill.
75 years
experience
Rated A (Excellent)
by A.M. Best
Licensed in
all 50 states
16+ million
lives covered
Questions? Let’s connect. Fill out our contact form and a member of our team will be in touch
Get in touchIMPORTANT: This is a fixed indemnity policy, NOT health insurance.
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.