Welcome to EssentialCare

We’ve Made a Few Changes.

Your new EssentialCare Voluntary Fixed Indemnity Medical Benefits plan is straight-forward, and easy-to-use.

We believe that coverage for benefits should be easy to understand.  With EssentialCare, you can see your benefits and know how much the plan will cover before you go for services. This plan is not a “major medical” plan. It is designed to help you pay for basic medical needs, not catastrophic events.

Advantages of Your New Indemnity Plan

Reimburses a fixed fee for services. 
Even if the cost of your service is less than the scheduled amount, you get the full amount paid to you.
Example: A generic drug costs $4.00, and your scheduled benefit is $20 per prescription.  Your payment will be $20.00

Includes payments for Labs & X-rays.
When you visit your doctor, often you receive additional bills for diagnostic services like lab work and x-rays. This plan pays a flat benefit for each day you require services.

Includes Network Discounts.
Your plan includes discounted fee for services at Beechstreet network doctors and hospitals that can save you money. Many providers will file your claim for you, and you can choose to assign your benefit towards their bill. 
Be sure to show your ID card to your provider, even if you have used your maximum benefits, because the network discounts still reduce your bill. 

Your plan includes Cole Managed Vision Network discounts.

Your plan includes discounts at Caremark pharmacies.

In-Patient and Out-Patient Benefits.
The plan pays a per day rate if you are admitted to the hospital for 24 hours or more. This plan pays for both in-patient and out-patient surgery and anesthesiology, but note the benefit is lower for out-patient procedures. You’ll also receive benefits for ambulance Services, emergency Room, and even skilled nursing and physical therapy, if needed.

Intensive Care Benefits.
Please note that if you require Intensive Care, these benefits pay in addition to the Standard Care benefits.

For general customer service questions, please call 1-866-740-4006.