We reimagined supplemental health insurance to ease the burden of sudden, unexpected medical expenses. Here's how it works.
So our plan covers a broad spectrum. Ansel pays benefits for 13,000+ covered conditions. How much is up to you.
Payouts are selected during enrollment and members can claim a benefit if they’re diagnosed with a covered condition. All Moderate conditions get the Moderate benefit payout. Severe and Catastrophic conditions get more.
With 13,000 covered conditions, the list of what Ansel covers is too long to show you here.
To learn more, see sample conditions.
of adults will have kidney stones in their lifetime. We cover that.
bones are broken every year in the U.S. They’re covered.
appendicitis cases are reported every year. We cover that too.
babies are born preterm every year in the U.S. They’re covered.
adults will go to the hospital for pneumonia this year. It’s covered.
torn ACLs happen in the U.S. every year. We cover that too.
of women will have a benign breast mass. We cover that too.
hernias require surgical repair every year. That's covered.
adults have a heart attack every year in the U.S. They’re covered.
U.S. adults will be diagnosed with cancer this year. It's covered.
Marcus has two kids and a $3,000 health insurance deductible.
In January, he tore his ACL and received a $1,000 Severe benefit. In April, he took his daughter to the ER for dehydration and received a $300 Moderate benefit.
Note: these aren’t real people. The following examples illustrate how Ansel Health works for families and health issues of all shapes and sizes.
Serena is a married mom of 3. She has a $5,000 health insurance deductible.
Serena was diagnosed with breast cancer and received a Catastrophic benefit of $4,000. When she was still in treatment 90 days later, she filed another claim and received an additional benefit of $4,000.
Note: these aren’t real people. The following examples illustrate how Ansel Health works for families and health issues of all shapes and sizes.
Ray is single and he has a $1,500 health insurance deductible.
Ray fell off a ladder at home, and suffered both a concussion and a fractured hip. While in the hospital receiving treatment, he also developed sepsis. He received a Moderate, Severe, and Catastrophic benefit from Ansel for a total of $5,000.
Note: these aren’t real people. The following examples illustrate how Ansel Health works for families and health issues of all shapes and sizes.
Marcus has two kids and a $3,000 health insurance deductible.
In January, he broke his femur and received a $2,000 severe benefit. In April, he took his daughter to the ER for dehydration and received a $500 moderate benefit.
Note: these aren’t real people. The following examples illustrate how Ansel Health works for families and health issues of all shapes and sizes.
Serena is a married mom of 3. She has a $5,000 health insurance deductible.
Serena was diagnosed with breast cancer and received a catastrophic benefit of $7,500. When she was still in treatment 90 days later, she filed another claim and received an additional benefit of $7,500.
Note: these aren’t real people. The following examples illustrate how Ansel Health works for families and health issues of all shapes and sizes.
Ray is single and he has a $1,500 health insurance deductible.
Ray fell off a ladder at home, and suffered both a concussion and a fractured hip. While in the hospital receiving treatment, he also developed sepsis. He received a Moderate, Severe, and Catastrophic benefit from Ansel for a total of $5,000.
Note: these aren’t real people. The following examples illustrate how Ansel Health works for families and health issues of all shapes and sizes.
Members and employers talk to the same person anytime they need help. And we take the time to check on you.
As soon as they’re diagnosed, members can file a claim in minutes via our online member portal or mobile app with info they have on hand.
Once approved, they’ll get paid in hours—not weeks—so they can focus on feeling better and getting back to work.
Ansel complements and enhances your primary health benefits by giving employees an extra source of support when medical bills suddenly pile up due to a health issue. Ansel does not coordinate with any other insurance. Our plan pays cash benefits based on your diagnosis, and benefit amounts can be customized to help offset health insurance cost-sharing.
Employers have several enrollment options. Use Ansel's decision support and enrollment tool or bring us into your benefits enrollment platform. If you prefer, we can also take a paper enrollment form.
Ansel integrates with most major benefits administration platforms. Get in touch and someone from our team can share more details.
We do! With Ansel there are no limitations or exclusions due to pre-existing conditions. Plus, Ansel is offered on a guaranteed issue basis—no medical underwriting is required.
Ansel offers affordable premiums that vary based on age, benefit amounts, and who’s covered. Premiums for individuals under 50 start as low as the monthly price of your favorite TV streaming subscription. Employers can cover some or all of the premiums or offer Ansel on a voluntary basis for employees who want to enhance their primary health coverage with extra financial support.
Ansel is currently available for employer groups based in AL, AR, AZ, CA DC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MI, MN, MO, MS, NE, OH, OR, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, and WV, and a growing number of states as we expand nationally. If you’re interested, we’d love to hear from you.
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