Supplemental Benefit Programs
Add-on plans that cover what traditional health insurance doesn’t—like accidents, critical illness, dental, and vision. They offer financial protection, peace of mind, and everyday wellness support.
They help you attract and retain top talent with meaningful benefits employees actually value—without increasing salaries or core insurance spend.
Some pay employees directly (lump sums), others pay providers—like dentists or optometrists—making them flexible, usable, and easy to understand.
Yes—especially plans that are clearly communicated and easy to access. Dental, vision, and accident coverage consistently have the highest utilization rates.
Not with the right partner. Our Providers handle rollout, education, and compliance—keeping things simple and low-lift for your team.
Minimum requirement is 10+ Full-time W2 Employees These programs are ideal for small and midsize businesses that want to stay competitive—without stretching budgets or internal bandwidth.
Fully insured providers pay premiums to a carrier, who handles claims and assumes all risk—delivering predictable costs and greater stability for employers. Self-insured providers cover claims themselves, which adds flexibility—but also more risk and uncertainty. For most, fully insured = safer, simpler, smarter.
