Small Group Worksite Insurance by 
Exclusive small business accident, critical illness, and hospital indemnity worksite insurance bundles for your employees. Click the button below to get a quote!
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Introducing Worksite Insurance Bundles
Health insurance expenses and deductibles have risen faster than consumer wages, creating significant gaps in the affordability of care. To solve these gaps, an increasing number of employers are looking to accident Insurance, critical illness insurance and hospital indemnity insurance plans to support the financial wellness of their employees.
Worksite insurance bundles are a collection of voluntary benefits offered by employers to their employees at the workplace. With the help of BCS we have developed worksite insurance packages which bundle accident insurance, critical illness insurance, and hospital indemnity insurance together. By providing these bundles, employers allow employees to add these benefits often at more competitive group rates compared to purchasing individual coverage. Offered through convenient payroll deductions, these plans make it easier for employees to manage both costs and coverage. Worksite insurance bundles not only strengthen the overall benefits package provided by employers but also help enhance employee financial security and satisfaction.
Accident Insurance
Helps pay for unexpected out-of-pocket costs that result from an accident or injury.
Special Features
- Guaranteed issue
- Immediate coverage - No waiting period!
- Variety of benefit offerings, including non-professional organized sports coverage
Critical Illness Insurance
Provides a lump-sum benefit to help help cover the costs of life-changing illnesses and health events.
Special Features
- Guaranteed issue
- HSA compatible
- Groundbreaking mental health rider provides coverage for severe mental illness
Hospital Indemnity Insurance
Provides fixed payments to help manage costs arising from a hospital stay.
Special Features
- Guaranteed issue
- HSA compatible
- Immediate coverage - no waiting period!
The BCS Advantage
Experience
Rated A (Excellent)
by A.M. Best
Licensed in all 50 states
Lives Covered
Did you Know...
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Worksite Group Voluntary Benefits
Members get more with group voluntary benefits
Worksite group voluntary benefits makes it easy for employers to deliver ancillary solutions to compliment underlying major medical coverage, with special plans and pricing for members:
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Robust set of benefits1 |
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Guaranteed issue2 |
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Competitive Rates |
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Benefits are paid directly to the insured to use how they see fit! |
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Best-in-class administration and simplified claims process |
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No Networks or coordination of benefits |
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Flexible enrollment, payment and group onboarding |
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Access to telemedicine value-added services |
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HSA-compatible plan options |
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WellRx Premier available for instant savings on brand-name and generic prescriptions |
How does it work?
Accident Insurance, Hospital Indemnity Insurance and Critical Illness Insurance supplements existing coverage and provides cash to help cover medical and living expenses that Major Medical doesn't. Below are examples of how benefits might be paid. *
| Car Accident | |
|---|---|
| Ambulance | $100 |
| Emergency Room | $100 |
| Major Diagnostic Test | $300 |
| Hospital Admission | $500 |
| Hospital Confinement (5 Days) | $500 |
| Fracture (leg) | $750 |
| Surgery | $500 |
| Concussion | $125 |
| Pain Management | $50 |
| Doctor Follow Up | $50 |
| Physical Therapy | $250 |
| Total | $3,175 |
| Trip & Fall - Dislocate Wrist/Cut Hand/Chip tooth | |
|---|---|
| Emergency Room | $100 |
| Laceration | $200 |
| Dislocation | $400 |
| X-Ray | $100 |
| Emergency Dental | $100 |
| Pain Management | $50 |
| Physical Therapy (5) | $250 |
| Total | $1,200 |
| Breast Cancer | |
|---|---|
| Invasive Cancer | $5,000 |
| Total | $7,500 |
| Pneumonia | |
|---|---|
| Hospital Admission | $500 |
| Hospital Daily (7 Days) | $700 |
| Total | $1,200 |
| Heart Attack/Bypass Surgery | |
|---|---|
| Heart Attack | $5,000 |
| Bypass Surgery | $2,500 |
| Total | $7,500 |
1 Payouts are estimates and not guaranteed. The examples shown may vary from the plan offering. Your individual experience may also vary. Benefits paid are determined based on your specific group plans. Terms, conditions, and exclusions apply. See full policy for details.
2 Coverage for EssentialCare policies underwritten by BCS Insurance Company is considered guaranteed issue provided: 1) the employee is actively at work; and 2) the employee and all covered dependents are enrolled in a major medical health plan that meets minimum essential coverage requirements as provided under the Affordable Care Act (ACA). ESSENTIALCARE PRODUCTS ARE LIMITED BENEFIT POLICIES—READ YOUR POLICY CAREFULLY. THESE POLICIES ARE NOT MAJOR MEDICAL INSURANCE AND ARE NOT INTENDED TO BE A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. BCS EssentialCare insurance is underwritten by BCS Insurance Company, Worthington, OH (Administrative Offices: Oakbrook Terrace, IL). See policy documents for a complete description of benefits, exclusions, limitations, and conditions of coverage. Features and availability vary by location, and are subject to change. Some products may be pending regulatory approval in certain states.