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.

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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


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.

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Critical Illness

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

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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.

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Fixed Indemnity

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

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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

Rated A (Excellent)
by A.M. Best

Licensed in
all 50 states

16+ million
lives covered

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