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Coverage for life’s twists and turns

Beam offers simplified group coverage to ease the financial burden of an accident, hospital stay, or critical illness through our supplemental health plans.

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What to expect

Our supplemental health plans pay directly to the member and help ease the financial impact of an accident, hospital stay, or critical illness – regardless of other medical coverage.

Accident plans provide a simple, lump sum payout in the event of accidental injury.

Hospital indemnity plans pay out a set per diem amount to offset the cost of an inpatient stay.

Coverage can help cover deductibles, copays, travel, child care, and other expenses.

Critical illness plans include a lump-sum cash payout in the event of a serious illness that can apply towards treatment costs and non-medical expenses.

Standard plan options

Accident plans

Select

Plan pays:
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$1,500 per covered person.
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Eligible Employee (EE)
only $1,500.
EE+1 $3,000.
EE+Family $4,500.

Ultra

Plan pays:
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$3,000 per covered
person.
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Eligible Employee (EE)
only $3,000.
EE+1 $6,000.
EE+Family $9,000.

Hospital indemnity plans

Select

Per diem payment for each covered person:
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Inpatient stay: $200
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ICU stay: $400

Ultra

Per diem payment for each covered person:
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Inpatient stay: $500
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ICU stay: $1,000

Critical illness plans

Select

Plan pays:
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$5,000 for groups with
3-9 eligible employees
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Covers base
conditions only

SelectPlus

Plan pays:
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$5,000 for groups with
3-9 eligible employees
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Covers advanced
conditions and
progressive diseases

Ultra

Plan pays:
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$5,000 or $10,000 for
groups with 10-100
eligible employees
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Covers base
conditions only

UltraPlus

Plan pays:
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$5,000 or $10,000 for
groups with 10-100
eligible employees
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Covers
advanced conditions
and progressive diseases

Coverage for real life

These examples illustrate how employers and their teams benefit from Beam’s supplemental health plans.

Member

Member accident

Nick is a Beam member who opted into an employee-paid accident plan. Nick’s son, a dependent of the plan, was injured during a high school soccer match. His injury required a trip to an urgent care clinic, where he received an x-ray and stitches.

A few days later, Nick received a bill stating that the total cost of the visit is $1,400.

Because Nick's son is covered by Beam's standard select accident plan that pays out up to a maximum of $1,500 per year, Nick will submit the bill to Beam and receive a lump sum payment of $1,400 to help cover out-of-pocket medical costs not covered by health insurance.

Member

Member hospital stay

Dora has employer-paid hospital indemnity coverage through Beam. She is experiencing a high-risk pregnancy. After giving birth to her baby, she must remain under care at the hospital for six days to ensure a healthy recovery.

Because her employer offers the Ultra plan option, Dora receives up to $500 per day, totaling $3,000, for her six-day hospital stay. She submits the hospital bill to Beam, and her plan pays the benefit directly to her—not to the hospital—so she is able to offset the costs in a way that works for her family.

Dora uses her hospital indemnity benefit to cover the cost of her high health insurance deductible, and she uses the remaining funds toward the cost of child care for her older children during her hospitalization.

Member

Member accident and hospitalization

Beam member, Jo, has both accident and hospital indemnity coverage through their employer-paid Beam benefits package.

On their way home from running errands one evening, Jo is involved in a car accident. At the hospital, it’s determined that Jo has suffered significant injuries that will require surgery and inpatient care. Jo remains in the hospital for six days, including two days in the ICU.

Because Jo has both accident and hospital indemnity coverage, they are eligible to receive financial support through both plans to cover costs associated with this injury.

Ultra accident plan benefit
$3,000 max lump sum payment
Ultra hospital indemnity benefit
2 days in ICU
$2,000 ($1000 max per day)
4 days in inpatient care
$2,000 ($500 max per day)
Total member payout for this incident: $7,000

Hospital stays can be quite expensive, even with health insurance. Jo submits a claim to Beam and includes the bills they’ve received related to the accident. Beam reviews the claim and determines that Jo will receive the maximum lump sum payments to help ease the cost of care. Beam pays the sum directly to Jo.

Jo’s health insurance plan has a high deductible, so they use their supplemental health benefits to meet it. Jo uses the remaining funds to offset the cost of transportation and child care accrued during the accident and hospital stay.

Employer

Easing the unexpected for employees

Michelle realized her lifelong dream of opening an independent movie theater. It’s a small business with just a few employees and thin margins, so she has to keep her costs low.

Michelle provides a high deductible medical plan to her employees, but she knows that medical costs could still be very expensive for them. After doing a little research, she realized that adding an employer-paid supplemental health option to her benefits package is an affordable way to help her employees cover high medical costs associated with accidents or hospital stays.

Through Beam, Michelle was able to purchase the select accident and hospital indemnity plans for a low monthly premium. Each employee is eligible for a direct lump sum payout in the event of non-workplace accident or hospital stay in order to offset the financial impact of a high deductible medical plan. She can be confident that her employees and her budget are protected.

Member

Critical illness

In the U.S., a stroke happens every 40 seconds.1

That statistic became a reality for Jim, a 47-year-old husband and father of two after he suffered a stroke last summer, leaving him and his family with medical costs from his hospital stay and rehabilitation therapy.

While you can’t predict the future, you can prepare for the unexpected. Before Jim’s stroke, he had purchased a critical illness plan to supplement his employer’s health insurance.

A critical illness plan provides cash benefits paid directly to a member with no limitations on how they can use the funds. In Jim’s case, his family submitted a critical illness claim to Beam and received a lump-sum payment to cover deductibles and out-of-pocket treatment costs related to his recovery, and help with some non-medical expenses, such as groceries and mortgage payments.

By having critical illness coverage, Jim’s family was ready for the financial impact of a serious illness, which allowed them to focus on his health and recovery.

In this illustration, the critical illness benefit was covered as it met the definition of a stroke in the plan Certificate. Refer to your plan Certificate for full definition.

1 https://www.cdc.gov/stroke/facts

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Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Dental policy form number NDNGRP 2020 and vision policy form number NVIGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX, NM, and NV (vision only). Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Life product is not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.


National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.


Nationwide and Beam Insurance Services LLC are separate and non-affiliated companies.


National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703


Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215


Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

There is no discount associated with the bundling of products.

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