File a claim if you’re diagnosed with a covered condition. If approved, you’ll get a payout within 72 hours. Use your benefit to pay medical bills toward your deductible or for anything else you need. Choose your benefit amounts when you enroll.
Melanie is a mom of 3. She enrolled herself and her kids in a Brella plan with higher Moderate payouts in case her kids get injured playing sports. Note, this isn’t a real story but it’s a realistic illustration to help you understand how Brella helps.
Melanie’s daughter Maya fractured her wrist playing soccer.
It was a simple fracture that didn’t require surgery, so after a visit to the ER, they were sent home with Maya’s wrist in a cast.
They filed a claim in the Brella app in minutes.
They answered 4 simple questions about what happened, and provided photos of the ER discharge paperwork, her hospital wristband, and Maya’s cast.
Melanie got a $600 Moderate payout 72 hours later.
A simple wrist fracture is a covered moderate condition, so Brella approved the claim and paid Melanie’s Moderate benefit. She used the cash to help cover the ER bill.
Brella 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 Brella, if you’re diagnosed with any of 13,000+ covered conditions, you can file a claim in minutes, and once approved, get paid in hours. Use the cash for anything you need on the road to recovery.
You can enroll in Brella during your company’s Enrollment period, so get in touch with your company’s HR or benefits administrator for more information.
When you enroll, you’ll choose the level of payout you want for Moderate, Severe, and Catastrophic conditions. You can choose lower payouts and have lower premiums, or you can choose higher payouts for a bit more and rest easy knowing that you’ll have help if the unexpected happens.
The cost of Brella plans vary with age, who you cover, and the benefit amounts you select. You'll be able to customize your plan to suit your budget. You'll see exact costs before you enroll. For questions about premiums or enrollment, talk to a Brella Concierge at (888) 300-5382.
Your plan will start on the Effective Date, which is usually the first day of the month after you enroll.
Yes. There are no pre-existing condition exclusions with Brella plans. Plus, our plans are guaranteed-issue, so any eligible employee can sign up—no medical questions asked.
Yes! You can cover just yourself or include your spouse, kids or the whole family.
Brella will pay a benefit if you or your insured dependent(s) is diagnosed with a covered condition. 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.
To get all the nitty gritty, read our Limitations & Exclusions FAQ.
Our Concierge team is ready to help answer your questions about all things Brella. Give us a call at (888) 300-5382 or email firstname.lastname@example.org.