Help remove the financial worry of a serious illness.

BCBSAZ has teamed with Equitable* to offer critical illness insurance so employees and their families can be better prepared for the unexpected.

Enhance your benefits package at no additional cost by offering coverage that provides a lump-sum cash payment if members are diagnosed with a covered condition. They can use the cash however they choose, to cover the following expenses, for example:

  • Out-of-pocket medical costs, including deductibles and copays
  • Rent or mortgage payments
  • Credit card or utility bills
  • Groceries
  • Rehab costs
  • Other financial commitments

Equitable logo


100% employee-paid, with policies issued to a minimum of three enrolled employees or 10% of eligible employees—whichever is greater.


Easy enrollment options and no health questions or limitations for pre-existing conditions.


Cash benefit made regardless of other coverages and directly to employee to use as they see fit.


Affordable group rates and plans can be customized to cover a range of conditions including heart attacks, strokes, and cancer. Employees can be covered for more than a single occurrence, receive multiple payments if more than one covered condition is diagnosed, and expect payments regardless of other coverage. Plans are also HSA-compatible.


You give employees the coverage they need to protect their families, and we provide you with the resources and support you need.

  • Seamless and streamlined administration
  • One point of contact
  • Online services to pay bills, check eligibility, complete enrollment, and more
  • Dedicated, helpful customer service representatives

Contact Us

Full list of limitations and exclusions here.

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*Group critical illness insurance policies are underwritten by Equitable Financial Life Insurance Company of America, under Policy Form Series MOEBP19 CI.

“Critical Illness insurance” is a limited benefit policy. It does NOT provide basic hospital, basic medical or major medical insurance, and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. This overview is preliminary to the issuance of the policy and certificate. The policy, certificate and rider, if applicable, may not be available in all states and may vary based on state laws and regulations. Note to employees covered or considering coverage under Health Savings Accounts (HSAs) established in connection with a High Deductible Health Plan (HDHP): Based on the limited available regulatory guidance, we believe our “Critical Illness insurance” is appropriate for use with an HSA and may be purchased when the employee and/or his or her family members are covered under an HDHP. However, we cannot provide legal or tax advice. If there are legal or tax questions, we suggest that you consult your own legal or tax advisor before purchasing this insurance.
Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with main administrative headquarters in Jersey City, NJ; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). Group insurance products in the state of Arizona are issued by Equitable America, which has sole responsibility for its respective insurance and backed solely by its claims-paying obligations. Equitable America is independent of BCBSAZ. It does not provide, offer or sell BCBSAZ products or services and is solely responsible for the products or services it provides.

GE-3081576 (8/20) (Exp. 8/22)