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EssentialCare Fixed Indemnity

Fixed Indemnity Insurance Solutions

Fixed Indemnity insurance is a supplemental health plan that provides fixed benefits for medical events. Employers who want to offer insurance to employees but cannot bear the costs of traditional health plans may turn to Fixed Indemnity insurance and medical plans to help protect their employees, particularly those who work part-time or seasonal hours. How…

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Importance of Accident Insurance

Accident Insurance Offers Protection for Employees with Children

August means back-to-school, the start of fall sports, and … accidents? According to a report from Stanford University Health, 3.5 million children under the age of 14 are hurt annually playing sports or participating in recreational activities. While the most common types of injuries are things like sprains or strains, other injuries like fractures, dislocations, and…

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Podcast

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Finding the path forward

The Firm & Final Season 2 Finale is HERE, with a twist! We’ve brought back some friendly faces to revisit self-funding topics in our very first group podcast session. Mehb serves as moderator for this wide-ranging discussion with Andrew Trupiano of ATS Underwriting, Dan Davey of Alliant Insurance Services, and James Donnelly of Lockton Re.…

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Finding Passion

Join Mehb and Mike Kroupa, Benefits Advisor for Connor & Gallagher OneSource for the next episode of Firm & Final! Mehb and Mike will talk about finding passion in what you do, the parallels between home remodeling and the insurance industry, and the fear of change that is holding many employers back. Plus, Mike shares his tips…

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Starting Your Own Business

This episode features our first actuarial guest of Season 2! Welcome Dave Rowbottom, Founder and CEO of Reinsurance Actuarial Solutions to Firm & Final. Listen in to hear Mehb and Dave discuss career paths, changes in the reinsurance industry, and an honest discussion about the risks and rewards of starting your own business. Actuaries, reinsurance…

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Press Room

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Gene therapy insurance solutions from BCS

BCS Financial Launches Gene Therapy Stop Loss for Employer Groups

New solution offers additional protection from gene therapy risk for self-funded employer groups CHICAGO, Oct. 3, 2024 /PRNewswire/ — BCS Financial today announces a new stop loss product for small to mid-sized self-funded employer groups seeking additional protection from gene therapy costs. Known as Stop Loss GTS, the product is designed to sit alongside traditional stop loss…

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Resources

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High Cost Claimant Trends & Insights

High-Cost Claimants Insights Report

Each year, the BCS RiskNavigator Conference brings together actuaries, underwriters, sales, product, claims and more for an annual conference focused on stop loss, reinsurance, and large claims. Together, experts from various backgrounds and unique perspectives discuss and share insights into the trends and issues impacting our industries. To further spread the message, and share this…

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Addressing a Changing Part-Time Workforce with Fixed Indemnity Medical

The part-time and hourly workforce has seen a dramatic shift in recent years

A competitive labor market and evolving workplace expectations have caused employers to rethink their benefit strategies, but administrative challenges and budget constraints have limited options available for many. In this whitepaper, we’ll explore the changing labor market, and ways companies have tailored their benefits to attract and retain part-time and hourly talent. Get the whitepaper!

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catastrophic claims

Top 6 Catastrophic Claims of 2022

Each year, BCS Financial and Medical Risk Managers (MRM) review high cost claims from our proprietary database of over 40M member lives. We’re sharing the top six claims seen by BCS in 2022 – all of which were over $2M. As claims continue to rise, cost containment solutions are imperative, and we’re detailing the background, claim data, and intervention or cost…

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