Skip to content

Dunkin' Logo


Your limited benefit plan features straight forward benefits with no co-payments or deductibles. It includes coverage to help you pay for basic medical expenses, like doctor’s office visits, prescription drugs, labs and x-rays, even wellness. EssentialCare continues to offer:

  • Optional benefits including Dental, Vision, Term Life insurance and Short-term disability. 
  • 24-hour access to account information and claim status 
  • A nationwide network of more than 400,000 healthcare practitioners and more than 58,000 pharmacy locations 
  • Customer Service, if you have questions please call 1-866-740-4006 

Please Note: Plan designs and availability vary by state. Indemnity plans do not include prescription benefits in California.

Fixed medical indemnity benefit plans are a supplement to health insurance. They are not a substitute for essential health benefits or minimum essential coverage as defined by federal health law. If you do not have other health insurance coverage, you may be subject to a tax penalty. Please consult with your tax advisor for more information.


Underwritten by BCS Insurance Company and 4 Ever Life Insurance Company, Oakbrook Terrace, IL

QUICK Benefit Look up

The PAI Benefits Portal provides a brief summary of your plan benefits. Detailed plan benefit information is provided in the Summary Plan Document.

Go to Benefit Portal »

On the MyDocs Portal, members can view their plan documents and Summary of Benefits and Coverage (SBC).

Go to MyDocs Portal »

To locate a network pharmacy near you, find the latest information about prescription drugs, or access your personal prescription and benefit information, click the "View Your Pharmacy Information" button below.

View Your Pharmacy Information »