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.
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
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.
Enrollment, claim payment, ID card issuance, and customer services
Online web administration tools
Flexible enrollment option with call center, Internet, IVR, and paper submissions
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