Heart disease is the leading cause of death in the United States, causing about 1 in every 4 deaths*. The good news is that heart disease, which refers to several types of heart conditions, is largely preventable.
However, an estimated 7.3 million Americans with cardiovascular disease (CVD) are currently uninsured. As a result, they are far less likely to receive appropriate and timely medical care, and often suffer worse medical outcomes, including higher mortality rates**.
Employers who wish to offer health benefits to their full-time or part-time employees have options beyond traditional health insurance:
- Fixed Indemnity insurance can be used as a stand-alone health plan or in conjunction with a Minimum Essential Coverage (MEC) Plan. It provides fixed-benefits for things like physician office visits, hospital services, surgical procedures, and more, with no medical underwriting, no deductibles, and no pre-existing condition limitations. Flexible plan designs allow for customizable programs, and options are available with no employer contribution required!
- Critical Illness insurance supplements existing health insurance by paying a lump-sum benefit upon diagnosis of a covered illness or life-changing health event, such as a heart attack or stroke. Employees can use payments to pay for major medical copays or deductibles, or additional expenses like transportation, child care, and more to help fill gaps in employees’ healthcare coverage.
Contact BCS today to learn how more.
*CDC.gov
**American Heart and American Stroke Association, heart.org, May 18, 2018
