Products that protect from the unexpected
FLEX SHIELD:
Hospital Indemnity + Wellness + Gap Coverage
in one flexible plan
Products that protect you from the unexpected
FLEX SHIELD:
Hospital Indemnity + Wellness + Gap Coverage
in one flexible plan
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.
Paying for your policies
Participating in the wellness program qualifies you to receive benefit payments from your Flex Shield policy. These payments offset the cost of your policy, making excellent coverage much easier to afford.
Paying for your policies
Participating in the wellness program qualifies you to receive benefit payments from your Flex Shield policy. These payments offset the cost of your policy, making excellent coverage much easier to afford.
Take advantage of your benefits
Flex Shield provides you with access to a proprietary wellness solution tailored to mental and physical health. The program includes health assessments, personalized coaching, and counseling sessions designed to drive healthier outcomes for each employee.
Take advantage of your benefits
Flex Shield provides you with access to a proprietary wellness solution tailored to mental and physical health. The program includes health assessments, personalized coaching, and counseling sessions designed to drive healthier outcomes for each employee.
HOW IT WORKS
Flex Shield+ Protects Ed’s Wallet
Ed is protected from major medical financial loss
With GAP+, Ed is protected from costly hospital or outpatient bills—and can add Accident coverage through NsureWise without affecting his take-home pay.
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 combines the strength of three products to provide a single, seamless solution for participants.
GAP Coverage
Coverage: Coordinated to help cover Health Insurance deductibles and OOP costs
GAP covers out-of-pocket costs – deductibles, copays, and coinsurance.
Makes high-deductible health plans work for everyone, while delivering cost savings employers need.
Indemnity Coverage
Hospital Admission: $750 (1x/mo)
Hospital Confinement: $400/day (15 days/mo)
ER Visit: $250 (4x/yr)
Ambulance: $250 (2x/yr)
Wellbeing: $1,000 (up to 1x/mo)
Wellbeing Benefits (What Makes Us Different)
Personal Coaching & Counseling
Licensed wellness & mental health counselors proactively connect monthly. Employees can request more sessions & customize their experience.
Mental Health Support
Unlimited 24/7 crisis line, 3 face-to-face or virtual sessions, text therapy, self-guided CBT programs, psychiatric coordination & more.
Wellbeing Claim Payment
Counselors issue the claim for the monthly session. These claims trigger the wellbeing payment each month.
Company Branded Wellbeing App
Your employees’ wellness hub provides health assessment, personal health insights, courses, challenges & access to coaches.
Flex Shield combines the strength of three products to provide a single, seamless solution for participants.
GAP Coverage
Coverage: Coordinated to help cover Health Insurance deductibles and OOP costs
GAP covers out-of-pocket costs – deductibles, copays, and coinsurance.
Makes high-deductible health plans work for everyone, while delivering cost savings employers need.
Indemnity Coverage
Hospital Admission: $750 (1x/mo)
Hospital Confinement: $400/day (15 days/mo)
ER Visit: $250 (4x/yr)
Ambulance: $250 (2x/yr)
Wellbeing: $1,000 (up to 1x/mo)
You Receive
Up to $1,400 (Hospital Admission Benefit) annually per Covered Member
Up to $1,400 (Hospital Confinement Benefit) annually per Covered Member
Up to $100 (Ground Ambulance Benefit) annually per Covered Member
Up to $200 (Air Ambulance Benefit) annually per Covered Member
Up to $50 (Physician Office Visit(s) Benefit) up to 4x annually per Covered Member
Up to $3,600 (Screening/Diagnostic Benefits) annually per Covered Member
Up to $1,200 (Treatment Benefit) annually per Covered Member
What's Covered?
-
Hospital Care
- Hospital admission
- Daily hospital confinement
- Physician office visits
-
Emergency Care
- Transportation by ground or air ambulance
Wellbeing Benefits (What Makes Us Different)
Personal Coaching & Counseling
Licensed wellness & mental health counselors proactively connect monthly. Employees can request more sessions & customize their experience.
Mental Health Support
Unlimited 24/7 crisis line, 3 face-to-face or virtual sessions, text therapy, self-guided CBT programs, psychiatric coordination & more.
Wellbeing Claim Payment
Counselors issue the claim for the monthly session. These claims trigger the wellbeing payment each month.
Company Branded Wellbeing App
Your employees’ wellness hub provides health assessment, personal health insights, courses, challenges & access to coaches.
HOW IT WORKS
Flex Shield+ Protects Ed’s Wallet
Ed makes a wise decision and enrolls in Flex Shield.
Since he’s enrolled in GAP+, Ed is also able to fund an Accident policy through NsureWise without reducing his take-home pay.
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.