EssentialCare Critical Illness

EssentialCare Group Critical Illness pays a lump-sum benefit upon diagnosis of a covered illness or life-changing health event. Employees can use payments to pay for major medical copays and deductibles, or additional expenses like transportation, child care, and more to help fill gaps in employees’ healthcare coverage.

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Why EssentialCare Group Critical Illness?

Coverage for up to 35 adult and 8 childhood illnesses, plus support service coverages including wellness, dependent adult and child care, and more

Modular, adaptable plan designs can be tailored to complement client need and underlying major medical

All EssentialCare policies are easy to quote and administer thanks to a simple RFQ process, and best-in-class administration and claims adjudication

Key Features

Guaranteed issue1

Lump-sum payments with no networks or coordination of benefits

Includes groundbreaking mental health rider to provide coverage for a severe mental illness event

Simplified claims submission with benefits paid directly to the insured

Family coverage available

Customizable plan designs to meet your client’s needs

1Guaranteed issue may be available in some states and circumstances. Coverage for the Critical Illness plan underwritten by BCS Insurance Company may be considered guaranteed issue provided: 1) the employee is actively at work; and 2) the employee and all covered dependents are enrolled in a major medical health plan that meets minimum essential coverage requirements as provided under the Affordable Care Act (ACA).

Target Market

Employer groups with 51+ employees

Minimum participation is 10 enrollees, or 10%, whichever is greater

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