COVID-19 Important Information

During this challenging time, BCS is actively monitoring the Coronavirus (COVID-19) public health emergency as it begins to affect many communities worldwide. Since this is a fluid situation with new information emerging very quickly, we have been actively working with our customers and business partners to ensure that there is as little disruption as possible. Our insurance companies, BCS Insurance Company, 4 Ever Life Insurance Company, and 4 Ever Life International Limited, are working in cooperation with state and federal governments to provide special attention and arrangements that meet COVID-19-related health care demands and concerns.

COVID-19 News for Our Health Insurance Customers

Preparedness – We are open for business and available for customers. We are prepared to continue servicing our customer’s insurance needs, including inquiries and service issues without interruption or inconvenience.

Information Access – We are closely monitoring activity around COVID-19. We are committed to helping our members, staff, and communities we serve stay informed and assisting those who might be affected. We will continue to update our websites and other communications to provide important information as it becomes available.

COVID-19 Testing – We are committed to helping reduce financial barriers to testing for COVID-19. Our major medical health plans will allow for COVID-19 testing and testing-related visits and services without cost sharing by our customers. The deductibles, coinsurance, and copays in our customer’s major medical policies will be waived for COVID-19 testing and testing-related services. (See below to learn how your coverage may be affected.)

Telehealth Services – COVID-19 is a contagious disease. We encourage all of our customers to adhere to social distancing guidelines until it is determined that in-person medical visits are appropriate. We encourage all of our customers to use the telephone to avoid unnecessary contact. Many of our insurance products include access to telehealth services by phone, web, or video. If your plan includes access to telehealth, we strongly encourage you to use it.

Prior Authorizations – In some instances, our major medical plans may require prior authorization for some services. We have eliminated all prior authorization requirements relating to COVID-19 testing.

Prescription Drug Access – We have temporarily lifted restrictions on early filling of prescriptions. We encourage use of pharmacy by mail if your coverage provides this service.

Access to Network Providers – If your coverage has a provider network and access to it is not reasonably available for COVID-19 services, benefits will be paid at the in-network rate of payment.

Immunizations – We will follow the guidelines set by federal or state regulation.

BCS is sensitive to the effect that the COVID-19 health crisis is having on our customers and business partners. Our companies provide a wide range of insurance solutions and you can find the appropriate information below to learn more regarding your specific coverage. We are here to support you.

COVID-19 Customer Service and Claims Information

If your coverage is issued by BCS Insurance Company:

BCS Errors & Omissions and Cyber Liability Insurance

866.389.0022 or visit
Customer Care Center hours
Monday–Thursday: 8 a.m. to 6 p.m. ET
Friday: 9 a.m. to 5 p.m. ET

Supplemental Benefits

EssentialCARE, Essential StaffCARE, Medical StaffCARE, B4T, RAP, Choice Hotels, HospitalityCARE, MEC Advantage
630.472.7700 or visit

Stop Loss

630.472.7700 or visit

Plan Excess of Loss

630.472.7700 or visit

Travel Assistance Programs

866.884.3556 or visit

All Other Insurance Programs and Products

630.472.7700 or visit


If your coverage is issued by 4 Ever Life Insurance Company or 4 Ever Life International Limited:


GeoBlue Navigator, GeoBlue Xplorer, GeoBlue Trekker, GeoBlue Voyager, GeoBlue Student Insurance, GeoBlue Business Traveler, BCBS Global Expatriate, BCBS Global or GeoBlue Traveler products
610.254.5304 or email

Group Universal Life

630.472.7700 or visit

All Other Insurance Programs and Products

630.472.7700 or visit


D.C. Resident – Accident and Health Products Only

For more information, visit the DC Health Link.

New Jersey Policyholders – Property and Casualty Products Only

Read here for important notice to New Jersey policyholders.