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.

A doctor speaking with a patient in a hospital bed

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 issue1

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 portable2

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). 2Not 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.

Target Market

Employer groups with 51+ employees

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

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