EssentialCare offers easy, affordable, and adaptable ancillary solutions to meet your client's needs

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 your clients and their employees.

Whether it’s 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 their 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

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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Two employees in aprons smiling

Limited Benefit

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 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

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