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Flex Shield Limited Benefit Health Program for Growth Enterprises

The changing nature of the U.S. work force combined with increasing health care costs and insurance premiums pose significant challenges for employers. Contract, temporary, hourly, part-time or full-time employees increasingly want and expect employers to offer valuable benefits.

Flex Shield Limited Benefit Health Program for Growth Enterprises provides an innovative, cost-effective way for employers and organizations to offer broader, affordable coverage for their employees who are not covered by traditional employee benefits and for employees who want to supplement other insurance coverages. The program provides a wide range of accident and sickness coverages, available on a first-dollar basis, allowing insureds to pay for the services they need, when they need it.

Features and Benefits Back To Top
  • Provides Accidental Death & Dismemberment (AD&D), disability income, critical illness and other important benefits
  • Offers employers advanced technology to reduce costs and simplify administration at every level – from issuance to fulfillment and claims processing
  • Includes coverage for emergency room care, in-hospital stays, ambulance and surgical needs, outpatient services and doctor’s office visits
  • Enables employers and organizations to choose a standard program or various options to customize a benefits program to their strategic goals and employee needs
  • Offered on a mandatory or voluntary basis
  • Encourages insureds to manage their health with preventive benefits including coverage for health screenings and routine well-child care
  • Provides discounts at premier physicians, hospitals and medical centers nationwide through a Discount Provider Network
  • Supplements existing coverage or provides affordable access to new insurance
 
Claims Back To Top

The goal of A&H Claims is the skillful evaluation and swift resolution of every claim. To make sure this commitment is met, we employ teams of specialists in accident and health claims, and we assign dedicated specialists to cases with complex needs. The people at A&H Claims embody our standards for service excellence. Our claims specialist unit is staffed with seasoned supervisors and examiners cross-trained in all facets of claims processing. These knowledgeable professionals have the expertise to provide the right solutions and the authority to implement them. What’s more, our people are warm, patient and particularly sensitive to difficult situations. We also provide specialized claims support exclusively for the needs of our agents, brokers and consultants.

We understand that our clients view their interaction with our team as the touchstone of the claims process. A&H’s Call Center is managed to ensure that the performance of our staff and our technological support results in an outstanding level of customer service for each of our clients.

Our Call Center operations are designed with the latest technology to optimize communications with our customers. Our sophisticated call management system is fully automated to minimize call transfers and hold times and provide every caller with exceptional service. And we are continually assessing Call Center volume, hold times and peak periods so that we are always staffed and ready to provide outstanding customer service.


You can reach the Domestic A&H Claims Department at 1-800-551-0824. Our business hours are from 8:30 a.m. to 5 p.m. eastern time. After hours, customers may leave messages. We guarantee a return call within 24 hours.