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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 


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

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This information is a brief summary of your plan benefits. Detailed information is provided in the Summary Plan Document.

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