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 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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