The Benefit Guide provides rates and a summary of the benefit choices available to you.
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It is very important that you click and view this information prior to completing the enrollment form.
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THE FIXED INDEMNITY MEDICAL PLAN IS A SUPPLEMENT TO HEALTH INSURANCE. IT IS NOT A SUBSTITUTE FOR ESSENTIAL HEALTH BENEFITS OR MINIMUM ESSENTIAL COVERAGE AS DEFINED UNDER THE AFFORDABLE CARE ACT (ACA).
The fixed indemnity medical, prescription drug, accidental loss of life, limb & sight, dental and vision plans are underwritten by BCS Insurance Company, Oakbrook Terrace, Illinois. The term life and short-term disability plans are underwritten by 4 Ever Life Insurance Company, Oakbrook Terrace, Illinois. Refer to the attached Benefit Guide for the accidental loss of life, limb & sight benefit information.
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The MEC Wellness/Preventive Plan is an employer-sponsored, self-funded plan that has been deemed to be in compliance with ACA rules and regulations. More information about Preventive Services may be found on the government website at: https://www.healthcare.gov/what-are-my-preventive-care-benefits/. Enrolling in the Optional MEC Wellness/Preventive Benefit may DISQUALIFY you from receiving a subsidy from the health insurance exchange. The MEC Wellness/Preventive Benefit is NOT underwritten by BCS Insurance Company. It is a benefit offered and provided by your employer.
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Please note that your coverage level selected will apply to all limited benefits products.
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Please Note: You cannot enroll for spouse coverage term life if your spouse's age is equal to or greater than the age of 70
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