Flex Shield offers coverage that protects employees from major medical expenses while promoting a wellness plan that delivers financial incentives for the employee and employer. Flex Shield is fully insured by A-rated carriers and is Department of Insurance approved.
Watch
Video
Learn More
Details
HOW IT WORKS
Flex Shield Protects Ed’s Wallet
Ed makes a wise decision
and enrolls in Flex Shield
Ed can now relax knowing he is protected from significant loss due to hospitalization and outpatient surgery.
Ed takes charge of
his health.
Each month, Ed hears from his coach or counselor about a specific health-related matter of his choosing. Since Ed actively engages with his coach and takes appropriate action, he receives benefit payments.
Payments are deposited
into Ed’s bank account.
A benefit payment is deposited into Ed’s bank account on the same day as his paycheck to help offset the cost of his policy.
One day, Ed has
an accident.
Ed falls down a flight of stairs and has to call an ambulance for assistance. Ed is transported to the emergency room, where he is admitted for a concussion and a broken leg requiring a three-night hospital stay.
Ed could be responsible for his deductible and co-pay.
Since Ed has not met his annual health insurance deductible, he would have to pay the deductible and co-pay for this treatment without Flex Shield.
Flex Shield bridges
the gap.
Ed’s gap policy covers the hospital charges he would have incurred. In addition, the hospital indemnity plan will pay Ed directly for emergency transportation, hospital admittance, and his hospital stay.
Flex Shield = Hospital Plan + Wellness, and GAP
Hospital Indemnity Benefits
Hospital Admission Benefit per Covered Member
= $750 per
month
Hospital Confinement Benefit per Covered Member
= $400 per day (up to 15 days a month)
Ground Ambulance Benefit per Covered Member
= $250 (two times per year)
Emergency Room Benefit per Covered Member
= $250 (four times per year)
Health Screening Benefit
= $1,000 per month
Wellness Benefits
List of Services
-
Monthly wellness e-coaching based on screening & preferenceList Item 1
-
Monthly e-counseling based on screening & preference
-
Self-guided Cognitive Behavioral Therapy (CBT)
-
Eliminates the worry of financial loss due to hospitalization or outpatient services
-
Live and on-demand video and audio sessions designed to support emotional well-being
GAP BENEFITS
List of Services
-
Supplements the employer’s group major medical insurance planList Item 1
-
Covers the out-of-pocket expenses that the major medical plan does not cover (i.e., deductibles and co-insurance)
-
Guaranteed issue with no preexisting condition limitations
-
Eliminates the worry of financial loss due to hospitalization or outpatient services
