Supplemental Health Plan
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Supplemental Health Plan
A Health Benefit That Pays — For Everyone
Protect your team, reward healthy behavior, and reduce payroll taxes—with potential to reduce overall costs
What This Plan Is
A fully insured hospital indemnity plan with proactive health benefits built in.
The program helps protect employees in the event of a serious illness or injury, while also encouraging consistent engagement with their health.
Employees may receive fixed indemnity payments for covered events such as hospital stays, ER visits, ICU care, and ambulance services.
Premiums are deducted on a pre-tax basis under Section 125, which may reduce FICA obligations for both employer and employee.
This plan is designed to enhance your existing benefits—not replace them.
What Employees Get
- Virtual primary care and urgent care
- Behavioral health support
- Comprehensive generic prescription coverage
- 24/7/365 telemedicine with no co-pay or deductible
- Tools and resources that educate and encourage a healthy lifestyle
- Monthly engagement activities — when completed, a claim is automatically filed and paid directly into their paycheck
- Benefits extend to their family members
- Free access to a tax advice line
- Potential increase in take-home pay (varies by individual)
What Employers Get
- Potential reduction in FICA obligations starting Day 1
- Estimated annual savings per enrolled employee (varies by group)
- No requirement to replace existing benefits
- Workforce health reporting and data insights
- Aggregated data to support better renewal negotiations
- May help reduce risk of high-cost claims through early detection
- Potential improvement in overall claims utilization over time
- Tax savings may be used at employer discretion
- Strong attraction and retention tool
- Demonstrates investment in employee wellbeing
What Employers Get
People often delay care until problems become serious and expensive. This model encourages consistent engagement, helping identify issues earlier.
Earlier care 
Better outcomes 
lower long-term costs.
How It Works
Determine eligible employee classes and set up the pre-tax payroll structure
Employees enroll through a simple, guided process
Employees engage with health tools and complete monthly activities
Claims are automatically filed once activities are completed
Claim payments are added directly to employee paychecks
Employer generates ongoing FICA tax savings and reporting insights
The Numbers That Matter
$600+
Estimated annual savings per employee
2–5%
Potential increase in take-home pay
$500+
Estimated cost avoided per unnecessary ER visit
Day 1
Potential tax savings may begin
24/7/365
Access to virtual care
Important Disclosures
This is a Fully Insured Fixed Indemnity Plan underwritten by an A-rated carrier.
It is not a major medical plan, wellness plan, or tax savings program.
Participation is voluntary, and employees may opt out at any time.
Indemnity claim payments may be taxable depending on individual circumstances and out-of-pocket medical expenses.
No financial outcome or savings is guaranteed. Results will vary based on workforce and participation.
Lower-income employees should consider potential impacts on eligibility for state aid programs or tax credits.
Employees are encouraged to consult a qualified tax or financial professional before enrolling.
This content is for informational purposes only and does not constitute tax, legal, or financial advice.
See If This Works for Your Team
We’ll show you exactly how this plan saves money and if it’s worth implementing.