How Ansel Helps People Seek Care, not Skip it

Christine Latore
February 29, 2024

When a person has an unforeseen medical event, the financial impact of diagnosis and treatment can be a heavy burden to bear. This burden can sometimes result in delaying or skipping needed medical care, which can prolong recovery and cause additional stress. 

By offering coverage for a broad range of conditions, from moderate to severe to catastrophic, Ansel provides a layer of financial protection that can help people on the road to recovery.

Here’s a real-life example of a member who received benefits with Ansel—

Meet Bruce, an Ansel Member

Bruce works for a government employer that fully funds Ansel coverage for employees. Bruce has had Ansel coverage for over two years, and recently suffered a motorcycle accident that caused serious injuries resulting in his inability to return to work at his regular job for a period of time.

Bruce’s employer provides Ansel with access to their employees' medical claims data from their major medical provider. So, when Ansel received the medical claims file that included information about Bruce’s diagnosis, they could verify his eligibility quickly. Ansel was able to make payments for both a severe condition diagnosed in June, and for a catastrophic condition diagnosed in October— all without Bruce having to remember to submit any paperwork.

Ansel’s Member Care Representative also reached out to Bruce to explain the coverage and claims process, and to help Bruce set up direct deposit for benefit payments in his member portal. During the call, Bruce explained that while his employer had provided him with light duty work, he had not yet been released to return to his regular job, because he could not afford to see his doctor. He was grateful that these additional benefit dollars would allow him to pay bills and seek further medical treatment.

How Ansel Helped Bruce

Claims integration supported this member during a very tough time in his life when he didn’t realize he had these benefits available to him. With this financial support, he can focus on continued recovery and return to his regular employment.” — Hope Rudolph, Member Care Representative, Ansel

Claims integration model makes employees lives easier

Even though we made it easy for members to file claims, we know that sometimes, when dealing with a health issue, filing a claim or worrying about receiving a benefit can be stressful. That’s why we can use electronic health data to determine whether members are eligible for Ansel benefits, so they can focus on their recovery.

Members can receive multiple benefits

Members may be eligible for multiple benefit payments while they are in active treatment. Conditions within the same coverage category (Moderate; Severe; Catastrophic) are eligible for additional payments if subsequent medical encounters are separated by a specified number of days, referred to as benefit separation periods. This way, Ansel provides continued value when members face unexpected medical issues that may bring additional financial strain.

Dedicated support for members when they need it most

Just because we’re automating the submission of claims, that doesn’t mean we aren’t here to help. Our Member Care Representatives look out for people who have more serious diagnoses that may require ongoing treatment because we know that receiving a benefit sooner can help alleviate the unnecessary financial strain. Here at Ansel, we know that the best way to help real people on the road to recovery is with dedicated support every step of the way. 

To learn more about how Ansel can integrate claims and help your team get the most out of their benefits, check out our plan and get in touch.

*Note: This is based on a real-life scenario, but no real names were used out of respect for our members and their privacy.