Ansel is a simple supplemental health insurance plan that works on top of your primary health insurance and pays cash benefits you can use toward your deductible or anything else you need.
Even with great health insurance, unexpected medical issues can strain your savings. Use your Ansel benefits to cover your out-of-pocket medical costs or anything else you may need on the road to recovery.
See sample condition list for more.
Melanie is enrolled in a high deductible health plan and has employer-provided Ansel coverage for her entire family. Note, this isn’t a real story but it’s a realistic illustration to help you understand how Ansel helps.
Following a fever, Melanie’s husband Ray was diagnosed with COVID.
It was a bumpy road for Ray who was later diagnosed with pneumonia then acute respiratory failure.
Ray received a $700 payout to help with his unexpected medical bills.
Although COVID itself is not a covered condition, Ray's complications are—pneumonia is a Moderate condition ($200) and acute respiratory failure is Severe ($500).
Ansel provides fast financial support for expenses that add up even when you have great health insurance. Most health plans leave you responsible for out-of-pocket costs like deductibles and copays. Plus, if you’re recovering from an injury or illness, you may have extra expenses like groceries, transportation, or childcare. With Ansel, if you’re diagnosed with any of 13,000+ covered conditions, you’ll receive a payout within 72 hours once approved. Use the cash for anything you need on the road to recovery.
No enrollment is necessary. You are eligible to receive Ansel coverage if you are enrolled in a high deductible health plan.
With Ansel, you receive coverage for conditions across three benefit categories— Moderate, Severe, and Catastrophic. Each category has a set benefit amount. For Moderate conditions, the benefit is $200. For Severe conditions, the benefit is $500. And for Catastrophic conditions, the benefit is $1,000.
Ansel is provided to you at no cost if you are enrolled in a high deductible health plan.
Your plan will start on January, 1, 2023.
Yes. There are no limitations or exclusions pre-existing conditions.
Yes! Dependent coverage is available. Your Ansel dependent coverage will match your medical election.
Yes! First, here’s a list of sample conditions, but we cover many more. If you have a question about a specific condition, email support@joinansel.com or call (888) 300-5382 to talk to a Ansel Member Care Representative.
Ansel will pay a benefit if you or your insured dependent(s) is diagnosed with a covered condition as provided by the terms of your policy. You may receive a benefit more than once as noted below, subject to a defined separation period.
MODERATE CONDITION BENEFIT:
A Moderate Condition Benefit is only payable once per insured person in a 14-day period. There is no limit to the number of times an insured person may receive a Moderate Condition Benefit.
SEVERE CONDITION BENEFIT:
A Severe Condition Benefit is only payable once per insured person in a 30-day period. There is no limit to the number of times an insured person may receive a Severe Condition Benefit.
CATASTROPHIC CONDITION BENEFIT:
A Catastrophic Condition Benefit is only payable once per insured person in a 90-day period. An insured person may only receive this benefit up to 3 times for the same or related condition during the insured person’s lifetime.
For more information, read our Limitations & Exclusions FAQ.
Our Member Services team is ready to help answer your questions about all things Ansel. Give us a call at (888) 300-5382 or email support@joinansel.com.
