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Supplemental health benefits for your employees

Major medical leaves gaps: deductibles, copays, and costs a plan does not pay. Supplemental benefits help your employees with those gaps when an accident, a serious illness, or a hospital stay hits, on top of the medical plan you already have.

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Gap SupplementHelps with deductibles and out of pocket costs
Accident Medical ExpenseHelps pay for covered accident care
Critical IllnessA lump sum after a covered diagnosis
Hospital CashAccident and sickness stays

Why employers add it

  • It makes your benefits package stronger without rebuilding it.
  • It softens the blow of a high deductible health plan for your employees.
  • Cost to the company is often small, since many programs are employee paid.
  • It works for office staff, hourly workers, schools, and seasonal teams.

Good to know

  • It supplements major medical. It does not replace it.
  • Benefits are typically paid to the employee, not the provider.
  • Participation rules, waiting periods, and exclusions vary by carrier.

How we help

  1. Review what you offer today

    Medical plan, deductibles, and where employees feel the gap.

  2. Design a package

    We pick the products and benefit levels that fit your workforce and budget.

  3. Support enrollment

    Clear materials for employees, and a person to call afterward.

Employer supplemental health questions

Does supplemental health insurance replace our medical plan?

No. It sits on top of major medical and pays cash benefits for specific events like an accident, a serious diagnosis, or a hospital stay.

What does it cost the employer?

Many programs are paid by employees through payroll deduction, so the cost to the company is mostly administrative. Some employers choose to pay part or all of the premium.

Is there a minimum number of employees or participation level?

Requirements vary by carrier and product. Tell us your headcount and we will match you with plans that fit.

Coverage and premium are illustrative only and subject to underwriting and carrier approval.

Ready to look at your options?

Tell us about your team. We will propose a benefit that fits.

Design a benefit
Statutory paid family leave and disabilityBusiness insuranceIndividual supplemental health