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 Why do clients want these employee benefits?

  • So they can take care of their most important asset: These benefits help employees protect themselves and their families
  • To increase employee satisfaction: When your clients offer these important benefits, they build loyalty and keep their best employees happy
  • Tax advantages: As business owners, your clients may be able to deduct qualifying group benefit plan premiums as a business expense
Nationwide Provide

Nationwide Provide

This innovative supplemental insurance pays upon diagnosis rather than making employees wait until they’ve been billed for treatment.

With coverage of more than 13,000 conditions, employees get paid quickly, which can help them cope with the financial side of their medical issue — whether it’s a bridge over their health plan deductible or coping with serious hospital bills.

Wide-ranging coverage in one plan eliminates the guesswork

Nationwide Provide covers a wide spectrum of conditions across 3 benefit categories. Employees receive coverage across all 3 categories.

Moderate conditions

6,000+ conditions covered. Injuries or illnesses that probably require a short visit to the ER or urgent care.

Choice of payouts up to $800

Severe conditions

5,600+ conditions covered. Serious conditions that require more intensive medical treatment.

Choice of payouts up to $3,000

Catastrophic conditions

1,500+ conditions covered. Dangerous conditions that require medical intervention. 

Choice of payouts up to $10,000

Employee benefits of Nationwide Provide

  • No exclusions for pre-existing conditions
  • No accident or hospital admission requirements
  • Plans are guaranteed issue — no medical underwriting ever
  • Coverage applies on and off the job
  • No coordination with other insurance
  • Cash benefits are paid within 72 hours of a completed claim
  • File claims via a web portal or our innovative app
  • A dedicated concierge for extra help

The plan is underwritten by Nationwide Life Insurance Company, Columbus, Ohio (GLBP AO L20 or state equivalent), and is subject to underwriting guidelines, review, and approval. Product availability may vary by state.

Nationwide Provide is powered by Ansel, Ansel Health, Inc. is an insurance technology company on a mission to build a world in which health hardships don't create financial burdens. The technology behind Nationwide Provide is administered by Ansel. Nationwide, AccuRisk Ancillary Solutions and Ansel Insurance Inc. are each separate and nonaffliated companies.

Nationwide Provide is a limited benefit policy; it is not a substitute for health insurance. A complete description of benefits, limitations and exclusions are provided in your certificate of insurance and applicable Riders. Product availability, benefits, and provisions may vary by state and may be subject to state mandates. Limitations and exclusions apply. All coverage is subject to the terms and conditions of the master group policy.

Nationwide, the Nationwide N and Eagle and Nationwide Provide are service marks of Nationwide Mutual Insurance Company. Third-party marks that appear in this message are the property of their respective owners.
 NFW-11036AO.2
 Beam Benefits

Beam Benefits

Beam Benefits offers dental, vision, life and supplemental health coverage for employers of all sizes. These are tailored employee benefits packages that offer exactly what your clients need. The Beam Benefits plans underwritten by Nationwide® offer a “no-size-fits-all” approach with self-service tools and helpful support.

What Beam Benefits offers:
  • Instant quoting: Beam’s digital quoting tool uses machine learning to give agents and employers customized quotes1 for any group size in seconds
  • Quick and easy setup: Implementation can be processed in as little as one business day2 instead of taking weeks or months, so brokers and employers can get benefits to their clients and workforce faster
  • Employee engagement: Brokers and groups who engage Beam in the enrollment process are seeing >15% increase3 in enrollment, thanks to Beam’s simplified enrollment approach and white-glove service experience

Learn more

[1] Use of the Digital Quoting Tool not currently available in all states and contingent upon broker's proper appointment and licensure. Pricing customization may vary based on plan and state specific limitations.

[2] Average implementation timeframe based on internal data and dependent on the submission of complete and accurate data entry and broker approval.

[3] As of June 2022, compared to prior carrier’s enrollment.

[4] Beam PerksTM is provided by Beam Perks LLC. Eligible members ages 4 and up at the time of enrollment are eligible to receive Beam PerksTM and must select their Beam Brush color within 45 days of enrollment to participate. If you do not have a mobile device, you can obtain Beam PerksTM by contacting Customer Operations at 1.800.648.1179. Beam PerksTM can be obtained separately without the purchase of an insurance product by visiting perks.beam.dental. Beam PerksTM may be changed at any time without notice and is subject to availability. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for Terms and Conditions.

Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, Ohio, in DE, ID, LA, NM, NY, OH, TX and UT. Dental product administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Not all products available in all states. Vision product administered by Vision Service Plan Insurance Company. Group Life, Supplemental Accident, Supplemental Hospital plans are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Group Life plans are not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply.

Beam Benefits is not a subsidiary of Nationwide Life Insurance Company. Beam Insurance Services LLC and Beam Insurance Administrators are separate companies and not affiliated with Nationwide Life Insurance Company.
 NFW-11037AO.3
 Limited medical

Limited medical

Research indicates that ongoing wage growth and challenges in filling open positions have created fierce competition between employers for part-time or hourly workers.1 Offering an employee insurance plan provides the stability that employees seek and can provide employers with an advantage in attracting and retaining talent, but also comes with its one unique set of challenges.

We’ve partnered with The American Worker, a limited medical benefit program designed to be cost-effective, comprehensive and easy to manage, helping employers attract and retain top talent.

Benefits of our limited medical benefits programs

For brokers
Our programs offer a single source for your clients’ health insurance product needs, along with an administrative solution that includes multiple consolidated billing and enrollment options and dedicated account mangers.

For employers
Limited medical offers a fully integrated system that doesn’t cost the company time or money. We consult with employers to identify their needs and design a benefit program to accomplish their goals.

For employees
Getting enrolled and using the limited medical benefits is easy and can help employees fill insurance gaps by providing coverage that reduces out-of-pocket expenses.

Learn more
NFW-12000AO
 Pet insurance

Pet insurance

We were the first company to offer pet insurance as a voluntary benefit through brokers and employer groups more than 20 years ago — and we continue to be their #1 choice. Nationwide is the only insurer to offer pet insurance plans created specifically for employees.

Benefits of offering pet insurance:

For brokers
A simple, no-cost way to increase the value of your benefits portfolio with new groups that can launch year-round. We offer one-to-one support that can help you expand your client list, drive participation and streamline onboarding.

For employers
A high-value, no-cost, voluntary benefit that enhances employee benefits packages, including special member perks and an exclusive plan for voluntary benefits packages.

For employees
A financial safety net that helps pay for regular and emergency pet health care, with reimbursement options for eligible veterinary expenses from any licensed veterinarian anywhere, including specialty and emergency providers.

Learn more

Pet insurance products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. ©2024 Nationwide.
NFW-12001AO
 Woman seated at desk, looking at laptop and talking on cellphone

Help employers understand the upside of offering supplemental medical insurance

Many business owners want to keep operating costs under control, so they may not consider offering supplemental insurance to their employees. The cost could be worth the benefit, though. Supplemental benefits can help protect employees and engender company loyalty.

Read more
NFW-11091AO

Supplemental medical insurance: We have options
For more information about MedPair or Nationwide Provide, contact us at 1-800-849-5542 or info-ancillary@accurisksolutions.com. For Beam benefits, call: 1-800-232-2323.