EssentialCare Fixed Indemnity
EssentialCare offers flexible, fixed indemnity insurance programs to support your client’s hourly employees, such as fixed indemnity medical, dental, vision, and Rx.
Product Highlights
The EssentialCare fixed indemnity insurance solution can be used as a stand-alone health plan, in conjunction with a Minimum Essential Coverage Plan (MEC), or as a Supplemental Plan to major medical coverage.
Fixed indemnity medical with Rx insurance coverage
Ancillary lines such as dental and vision
Coverage for physician office visits, hospital services, surgical procedures, and more
Flexible plan design allows for customizable programs
No pre-existing condition limitations
No medical underwriting
No deductibles within the fixed indemnity medical plan
Dependent coverage for all plans
No coordination with other plans
Employer contributions not required
Key Features
No Employer Contributions Required
With no employer contributions are required, EssentialCare Fixed Indemnity is an easy way for employers to provide access to healthcare, creating a recruiting and retention advantage.
Top-rated Provider Networks
Program includes network of hospitals, physicians, and pharmacies.
Seamless Administration
Enrollment, claim payment, ID card issuance, and customer services
Online web administration tools
Flexible enrollment option with call center, Internet, IVR, and paper submissions
COBRA administration
Ideal Market
Employer/employee relationship with 100+ hourly employees
Young populations with average age under 45
High turnover and/or maximum 30-day waiting period-based populations
Industries include national restaurant franchises, hotel chains, and department stores
Ready to quote?
Get in touchReady to get appointed?
Get appointed todayIMPORTANT: 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.