What is Gene Therapy Insurance?
Cell and gene therapy is a growing area of medicine. Treatments can cost millions, leading to unpredictable high-cost claims. BCS provides innovative payer and employer solutions to help finance and manage the risk of new gene therapies in the market.
How it works
Explore our solutions to help address the growing gene therapy pipeline
Reinsurance
Reinsurance pool product for health plans that covers the cost of gene therapy ingredients to protect against large, catastrophic claims, and offers back-end management services
Large Group Gene Therapy Stop Loss
A gene-therapy-only stop loss product designed to protect large, self-insured employers from the frequency and severity of these one-time treatments
Small Group Gene Therapy Stop Loss
A carve-out option for smaller groups that sits alongside their traditional stop loss policy and provides extra protection for gene therapies only
Features & benefits
- Provides protection against a growing area of risk
- Allows health plans and employers to offer life-saving treatments to employees
- Expand protection to employees: Contact us to learn about EssentialCare Group Critical Illness and the first-of-its-kind rider for gene therapy.*
*EssentialCare insurance products may not be available in all states. Benefits vary by state, and by policy. Contact BCS and/or review your specific policy for details.
BCS EssentialCare insurance is underwritten by BCS Insurance Company, Worthington, OH (Administrative Offices: Oakbrook Terrace, IL). Employees must be actively at work to be eligible for EssentialCare policies. Some states may have minimum coverage requirements. See policy documents for a complete description of benefits, exclusions, limitations, and conditions of coverage. Features and availability vary by location, and are subject to change.
ESSENTIALCARE PRODUCTS ARE LIMITED BENEFIT POLICIES—READ YOUR POLICY CAREFULLY. THESE POLICIES ARE NOT MAJOR MEDICAL INSURANCE AND ARE NOT INTENDED TO BE A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.
Contact us today to learn how your organization can manage the risk of gene therapies.
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