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EssentialCare Fixed Indemnity
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Fixed Indemnity
Fixed Indemnity plans 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
No deductible, coinsurance, or copays
No pre-existing conditions and no medical underwriting
No catastophic coverage
Annual limits on benefits
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)
Full suite of ancillary products available. Dental, Vision, Life, Accident & Disability
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.
BCS EssentialCare Insurance is underwritten by BCS Insurance Company, Oakbrook Terrace, IL. See policy documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Features and availability may vary by location and are subject to change.
THIS IS A LIMITED POLICY—READ YOUR POLICY CAREFULLY. THIS POLICY IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT. YOU CANNOT PURCHASE THIS POLICY UNLESS YOU CERTIFY THAT YOU HAVE MINIMUM ESSENTIAL HEALTH COVERAGE IN FORCE. THIS COVERAGE CANNOT REPLACE THAT COVERAGE.