EssentialCare offers easy, affordable, & adaptable ancillary solutions

Our suite of group products includes customizable healthcare solutions, including Limited Benefit, Accident Indemnity, Critical Illness, and Hospital Indemnity, designed to solve for gaps in healthcare coverage and protect the financial wellness of healthcare consumers.

Whether you are looking for a product to help fill the gaps in major medical coverage, or a product for hourly/part-time workers without traditional major medical insurance, EssentialCare makes it easy for brokers and benefit specialists to deliver the ancillary solutions clients need.


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

Helps pay for unexpected out-of-pocket costs that result from an accident or injury

Learn More
Two women hugging outside

Critical Illness

Helps cover the costs of life-changing illnesses and health events

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

Hospital Indemnity

Provides fixed payments to help manage costs arising from hospital stays

Learn More
Two employees in aprons smiling

Limited Benefit

Provides access to healthcare benefits for uninsured hourly and seasonal workers

Learn More

The BCS Advantage

BCS Financial Corporation has more than 70 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.

70+ years

Rated A- (Excellent)
by A.M. Best

Licensed in
all 50 states

6 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