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.

Brokers looking at iPad
2/3

More than two-thirds (69%) of employers believe voluntary benefits will be a very or more important component of their employee value proposition in three or five years.

2018 Emerging Trends: Voluntary Benefits and Services Study, Willis Towers Watson, November 2017

Products

A doctor walking with a patient in a cast

Accident Indemnity

Support employees with help for unexpected out-of-pocket costs in the case of an accident.

Learn More
Two women hugging outside

Critical Illness

Give your clients and their employees protection and peace of mind in the case of a life-changing illness.

Learn more
A doctor talking to a patient in a hospital bed.

Hospital Indemnity

Support your clients and their employees by helping to mitigate the costs of a hospital stay.

Learn More
Two employees in aprons smiling

Fixed Indemnity

Help your clients protect their seasonal and hourly employees with access to healthcare benefits.

Learn More

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 touch

IMPORTANT: 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.