Flex Shield: a Hospital Plan, Wellness Program, and Supplemental Coverage in One Flexible Plan

Group Supplemental Insurance That Covers Real-Life Needs

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Flex Shield helps protect employees from eligible medical expenses while rewarding healthy habits with real financial incentives for both the employee and the employer. Fully insured by A-rated carriers and approved by the Department of Insurance.

A Wellness Program Helps Pay for Coverage

When your team takes part in the wellness program, they qualify for benefit payments from the Flex Shield policy. Those payments offset policy costs, making excellent coverage far easier to afford

Get More From an Supplemental Insurance Plan

When your team takes part in the wellness program, they qualify for benefit payments from the Flex Shield policy. Those payments offset policy costs, making excellent coverage far easier to afford

You Receive
Up to $1,400 (Hospital Admission Benefit) annually per Covered Member

Weekly payments, not to exceed 60% of your gross income, up to $2,500 per week
What's Covered?

  • Sickness or injury

    Sickness or injury that prevents you from returning to work for more than 14 days and up to 6 months.

HOW IT WORKS

How Flex Shield Protects Ed's Wallet

Ed has Flex Shield through NsureWise.

Each month that Ed consults his personal dietitian and refills his blood pressure medication, he earns payments for engaging with his Health Screening and Health Treatment benefits.

Payments land in Ed's bank account.

They're deposited on the same day as his paycheck, helping offset the cost of his Flex Shield policy.




Ed can fund additional coverage

Because he's enrolled in Flex Shield with $2,500 in outpatient benefits, he can also fund an Accident policy through NsureWise without reducing his take-home pay.

One day, Ed has an accident.

He falls down a flight of stairs and is admitted to the hospital, where he undergoes an MRI and is diagnosed with a concussion.

Without coverage, Ed could owe his full out-of-pocket maximum.

Because Ed hasn't met his health insurance deductible for the year, he could be on the hook for up to his maximum out-of-pocket for this treatment.

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NsureWise bridges the gap.

Ed's Flex Shield policy covers him for $2,500 in outpatient benefits. On top of that, his Accident policy pays him $300 for his emergency room treatment, $300 for his MRI, and $450 for his concussion, regardless of his medical expenses.

Flex Shield = Hospital Plan + Wellness + Gap Insurance

Coverage Benefit
Hospital Admission Benefit (per covered member) $750 per month
Hospital Confinement Benefit (per covered member) $400 per day, up to 15 days/month
Ground Ambulance Benefit (per covered member) $250, twice per year
Emergency Room Benefit (per covered member) $250, four times per year
Health Screening Benefit $1,200 per month
Wellness Benefits
  • Monthly wellness e-coaching based on screening and preferences
  • Monthly e-counseling based on screening and preferences
  • Self-guided Cognitive Behavioral Therapy (CBT)
  • Live and on-demand video and audio sessions to support emotional well-being
Gap Insurance Benefits
  • Supplements group major medical plan
  • Covers out-of-pocket costs a major medical plan doesn't — deductibles and co-insurance
  • Guaranteed issue, with no preexisting condition limitations
  • Removes the worry of financial loss from hospitalization or outpatient services
Add-On: $0 Prescription Program With SuppRX

When your team takes part in the wellness program, they qualify for benefit payments from the Flex Shield policy. Those payments offset policy costs, making excellent coverage far easier to afford

Choose the Plan that Fits Your Team’s Budget

Plan Member + Spouse / + Child(ren) Family
Basic – 700+ drugs $29.45/mo $34.45 / $32.45 $38.45/mo
Premier – 1,200+ drugs (most popular) $39.95/mo $63.95 / $55.95 $67.95/mo
Premier Plus – 1,400+ drugs $99.95/mo $154.95 / $115.95 $194.45/mo

Monthly pricing shown for reference — confirm current rates and tiers before publishing. Groups and employers may qualify for a discount.

Ready to Start Saving on Prescriptions?

Individuals and families can subscribe directly online. Groups and employers can get started by contacting us for group pricing.

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