Interested in EssentialCare Fixed Indemnity?

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Fixed Indemnity

The Fixed Indemnity Plan helps employers stand out in a crowd by providing employees an annual benefit for medical services such as office visits prescription drugs, labs and inpatient hospital stays.

Simple for employees to understand and use

Annual limits on benefits

Full suite of ancillary products available. Dental, Vision, Life, Accident & Disability

No deductible, coinsurance, or copays
No pre-existing conditions and no medical underwriting
No catastophic coverage

Designed to cover low-dollar, high-frequency claims, such as doctor’s office visits, prescription drugs, labs and X-rays, and inpatient hospital benefits (up to a benefit cap)

Event-driven. Example:
Physician Office Visit – $75/visit
Outpatient Surgery – $500/day

All backed by a company with 70 years of experience and rated A (Excellent) by A.M. Best.

 

 

EssentialCare insurance products may not be available in all states. Benefits vary by state, and by policy. Contact BCS and/or review your specific policy for details.

BCS EssentialCare insurance is underwritten by BCS Insurance Company, Worthington, OH (Administrative Offices: Oakbrook Terrace, IL). Employees must be actively at work to be eligible for EssentialCare policies. Some states may have minimum coverage requirements. See policy documents for a complete description of benefits, exclusions, limitations, and conditions of coverage. Features and availability vary by location, and are subject to change.

ESSENTIALCARE PRODUCTS ARE LIMITED BENEFIT POLICIES—READ YOUR POLICY CAREFULLY. THESE POLICIES ARE NOT MAJOR MEDICAL INSURANCE AND ARE NOT INTENDED TO BE A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.