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Frequently Asked Questions
Supplemental Benefit Programs
1. What are supplemental benefits?
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.
2. Why should employers consider offering supplemental benefits?
They help you attract and retain top talent with meaningful benefits employees actually value—without increasing salaries or core insurance spend.
3. How do employees receive benefits from these plans?
Some pay employees directly (lump sums), others pay providers—like dentists or optometrists—making them flexible, usable, and easy to understand.
4. Do employees actually use supplemental benefits?
Yes—especially plans that are clearly communicated and easy to access. Dental, vision, and accident coverage consistently have the highest utilization rates.
5. Will offering these benefits increase my HR workload?
Not with the right partner. Our Providers handle rollout, education, and compliance—keeping things simple and low-lift for your team.
6. Can small businesses offer these benefits too?
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.
7. What’s the difference between a provider being self-insured vs. fully insured?
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.
Have questions?
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Let’s walk you through how our plan works and what it can do for your business.
Still have questions?
Let’s talk benefits without the buzzwords. Whether you’re exploring options or ready to move forward, we’re here to help.
