The Ultimate Guide to BCS Health Insurance
How do you know what health insurance to buy? There are so many options to choose from, and it can be overwhelming to figure out which plan is right for you.
If you’re looking for trustworthy and knowledgeable advice about your health insurance options, look no further than BCS Health Insurance.
Our team of experts can help you find the perfect plan at an affordable price with our EssentialCare program, or if you’re self-employed, we can even help you start your own health insurance company and bring on employees!
No matter what you need in a health insurance solution, BCS has your back!
About BCS Health Insurance
BCS Health Insurance- They have over 20 years of experience in offering health insurance policies that protect your financial and medical interests. They pride themselves on customer satisfaction and a fast, easy process when you’re looking for new coverage.
Their essential care plans are great if you want to keep monthly expenses low and don’t require extensive health coverage, but it’s important to know what those limitations are so you can stay within your budgeted healthcare expenses.
Be sure to speak with an agent directly if you have specific questions about their services or what level of coverage would work best for your family.
RPP (Retirement Planning Programs)
For those who have just begun their career, or are close to doing so, retirement may seem like a distant topic.
Although it’s too early in your career for you to start putting money away in a traditional 401(k), that doesn’t mean there aren’t ways for you to plan for your retirement down the road.
If you’re interested in planning and saving for your future, there are several options out there that will help you do so.
You could invest in an IRA, or if you have a self-employed or small business owner, take advantage of SEP IRA plans and Solo 401(k)s.
HSAs (Health Savings Accounts)
If you have a kid in school or are thinking about starting a family, dental plans can be incredibly useful. When shopping for dental insurance plans, it’s important to know what’s included.
These days, most general dental coverage includes cleanings and X-rays, but not routine services like fillings or crowns.
If you want those services, there is usually an out-of-pocket fee.
But if you need extensive care due to an accident or serious illness, having dental insurance could help make treatment easier on your bank account—because some policies will limit how much of that bill your insurance company will pay.
Dental Plans
When it comes to health care, consumers always have a choice.
The most common type of medical insurance is a health maintenance organization (HMO), where you’re required to use doctors, hospitals and other healthcare providers who belong to your plan’s network.
But if you have dental insurance with an HMO, it might seem like all your options are limited.
Fortunately, there are two basic types of dental plans that could meet your needs: Preferred Provider Organization (PPO) or Indemnity/Deductible Plans.
BCS Health Insurance- When choosing between these types of dental plans, keep in mind that deductibles tend to be lower in indemnity/deductible plans while benefits are higher in PPO plans – but they may come at a premium cost.
BCS Health Insurance- Eye Care Services
BCS Health InsuranceAs we age, our eyes need special care. From dry eye conditions that make it hard to read and see to macular degeneration that causes vision loss later in life, Beech Street can provide you with coverage options that are right for you.
BCS Health Insurance- Whether your prescription plan is self-funded or fully insured, partnering with Beech Street ensures patients are taken care of from start to finish.
If a patient has a question about benefits or if there’s an issue with a claim, our dedicated member support team is there for them every step of the way. Get in touch today for more information about partner solutions for eye care services.
Discounted Prescription Medicine
According to a study published in JAMA Internal Medicine, generic drugs may be less expensive than brand-name drugs, but paying for them out of pocket can cost you a lot more.
Keep your costs down by purchasing prescription medicines using your health insurance’s formulary network, which will give you discounts at participating pharmacies and a pharmacy benefit manager that negotiates on your behalf.
BCS Health Insurance- You can also save money if you pay cash instead of using insurance because your insurance doesn’t cover most over-the-counter medications.
If you don’t have insurance or need extra coverage, there are alternatives like GoodRx that aggregate coupons and rebates from hundreds of pharmacies so you can find one with free meds.
BCS Health Insurance – Long-Term Care Insurance Solutions
Because our overall health is getting worse and worse as we age, long-term care insurance (LTCI) is more important than ever. As baby boomers continue living into their 80s and 90s, many are going to need access to home-health aides or assisted living facilities.
Long-term care insurance protects you from having to pay for these services out of pocket—and it can also help you save for them now if you’re planning. With LTCI coverage, your premiums will be covered by an insurer over some time that could span several decades.
BCS Health Insurance – EssentialCare Group Benefits Plan
Whether you’re a large corporation or small business, you’ll love EssentialCare Group Benefits Plan.
Large corporations receive coverage for their entire family, while smaller businesses will appreciate how easy it is to manage benefits for employees and their families.
Plus, all plans come with an Individual Accident Benefit of up to $25,000 per accident.
Choose from one of three levels of health insurance solutions: bronze, silver, and gold; each tailored to meet your specific needs.
For example, EssentialCare Gold includes many popular wellness benefits such as annual physicals and flu shots—at no additional cost!
If you choose EssentialCare Gold Plus then even maternity expenses are covered in full under your plan.
