BCS EssentialCare
Blue Cross and BCS EssentialCare, working together to provide flexible supplemental protection that helps employees manage rising healthcare costs.
Help employees feel more financially protected
Healthcare costs continue to rise, and many employees are looking for practical ways to prepare for the unexpected.
BCS EssentialCare® presented by Blue Cross and Blue Shield of Minnesota combines accident, critical illness and hospital indemnity coverage with integrated claims alerts that help employees identify eligible benefits, increase utilization and strengthen financial wellness.
These employee-paid coverage options are designed to work alongside existing medical coverage, providing additional financial protection where employees need it most. Employees receive cash benefits paid directly to them to use however they need, including:
- Medical expenses like deductibles and copays
- Everyday costs like rent, groceries, childcare or travel
- Simple, flexible support when it matters most
Filling the Gap: A Case Study
Explore real-life examples of how individuals and families use EssentialCare supplemental health solutions to bridge the financial gap during medical emergencies.
Questions?
Give us a call: 1-877-293-7035 (TTY 711)
Or connect with your broker or agent.
Designed for Real Life
Closing the coverage gap
Today's high-deductible health plans often leave employees exposed to rising out-of-pocket costs, creating stress and uncertainty. Employers are taking notice: 86% now see voluntary benefits as an essential part of their overall wellbeing strategy for employees.1
EssentialCare helps close these gaps in coverage by easing financial strain, encouraging preventive care, and reducing cost-driven delays so that employees can focus on what matters most: their health and wellbeing.
Accident indemnity
Helps cover unexpected costs from accidental injuries:
- ER visits, hospital stays, follow-up care
- 24-hour coverage, on or off the job
- Organized sports benefit
- Additional support for transportation, lodging and more
Critical illness
Provides a lump-sum payment for serious diagnoses. Funds can be used for treatment, recovery or living expenses:
- Cancer, heart attack, stroke and more
- $100 Wellness benefit per member
- Severe mental illness benefit
- Innovative support benefits and riders
Hospital indemnity
Pays fixed benefits for hospital stays:
- Admission, ICU and daily confinement benefits
- Normal pregnancy benefit that covers admission, daily benefits, and ICU for both mom and baby
- Helps offset costs during and after a hospital stay
- Provides cash that can be used for both medical and household expenses
Simple for employees. Flexible for employers.
Blue Cross has partnered with BCS to offer a seamless approach to claims integration that ensures employees get the benefits they need, when they need them.
For employees
- Easy, self-service enrollment
- No medical underwriting (guaranteed issue)
- Fast, straightforward claims and payouts
- Payments delivered directly for maximum flexibility
For employers
- Flexible, modular plan design
- Competitive rates and scalable options
- Supports financial wellness strategies
- Complements existing medical coverage without replacing it
The BCS EssentialCare advantage
Blue Cross partnered with BCS because they have provided innovative solutions for groups looking to enhance their specialty and voluntary benefit strategy for more than 75 years.
Experience
Over 75 years of experience in supplemental benefits
Top tier
A-Rated (Excellent) by A.M. Best
50 States
Nationwide coverage and proven administration
12024 Wellbeing and Voluntary Benefits Survey by Gallagher.
EssentialCare is a limited benefit fully insured plan from BCS Insurance Company and administered by Planned Administrators Inc. (PAI). BCS and PAI are independent companies that do not offer Blue Cross products or services. BCS and PAI are solely responsible for their limited benefit product and administrative services.