EssentialCare Hospital Indemnity

EssentialCare Group Hospital Indemnity provides fixed payments to help your client’s employees manage unexpected expenses arising from hospital stays and offset the financial gaps in today’s health insurance plans.

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A man in a hospital bed with a background of icons representing healthcare

Why EssentialCare Group Hospital Indemnity?

Expansive benefit offerings feature up to 39 benefit types, including support service coverages like 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 issue

Lump-sum payments with no networks or coordination of benefits

Customizable plan can offer HSA compatibility or provide robust benefit-rich options to meet a wide variety of employer needs

Simplified claims submission with benefits paid directly to the insured

Family coverage available

Coverage is portable1

1Not available in all states. The availability of portability varies by state and is subject to Underwriting discretion. Eligibility for portability through the Portability provision may be subject to certain eligibility requirements and limitations. For more information, contact your BCS representative.

Ideal Market

Employer groups with 51+ employees

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

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IMPORTANT: 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.