| Hourly employees with access to the healthcare system stand out in a crowd. So do their employers. With over 40 million Americans today lacking access to healthcare, your organization can be part of a solution. Our limited products expand worksite benefits to otherwise uninsured hourly and seasonal workers. From fixed indemnity medical to dental, vision, and Rx options, we provide basic yet essential benefits for cost-sensitive employees and employers. And, since no employer contributions are required, BCS limited benefits are an easy way to provide access to healthcare. That's protection, expanded. |
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BCS offers flexible, limited benefit indemnity medical insurance programs for part-time and hourly workers. Now, workers who historically have not been offered basic medical coverage can access the healthcare system as well as provide basic coverage for their families. For employers, EssentialCare offers a recruiting and retention advantage that is flexible and cost-effective. While other insurers are trying to gain a foothold in the limited benefit marketplace, BCS has been filling this important need
for years.
EssentialCare®
BCS is a major underwriter in the limited benefit market and has implemented programs for significant employers, including:
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Major accounts such as national fast food franchises, hotel chains, department stores, and staffing companies. |
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Ancillary lines such as Rx, dental, and vision. |
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Flexible plan design allows for customizable programs. |
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Coverage for physician office visits, hospital services, surgical procedures, Rx, wellness benefits, and more. |
Top-Rated Provider Networks
In order to provide access to quality care and stretch the insured's benefit dollars, BCS incorporates top-rated national provider networks, including:
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Beech Street, Multiplan, and PHCS networks of hospitals and physicians. |
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Caremark network of pharmacies. |
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EyeMed Vision Care network. |
Administrative Features
Enrollment, claim payment, ID card issuance, and customer services include:
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Online web administration tools. |
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Flexible enrollment option with call center, Internet, IVR, and paper submissions. |
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COBRA administration. |
Target Markets
BCS Limited Benefit markets include:
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Employer/employee relationship with 500+ hourly employees. |
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Young populations with average age under 45. |
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High turnover and/or waiting period-based populations. |
The BCS Limited Benefits program is protection, expanded.
For more information, please call 866.798.0803 or visit essentialcare.com.
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