Trusted by national employers, built with carrier scrutiny, and shaped by years of helping frontline teams get care while their organizations find measurable savings.
Alongside better access to care, an ACA coverage strategy, and a solution to help mitigate workplace misconduct.
Anonymous client • Combined savings across initiatives; location count reflects total group footprintIn a client reference letter, the operator reported stronger employee retention, lower healthcare expenses for employees, and increased take-home pay.
Village Inn franchisee • Client-reported experienceWhile helping valued employees access the prescription medications and care they depend on.
Anonymous multi-location operator • Employer-reported resultImages illustrate the industries shown and do not depict client locations. Results reflect different employers and benefit configurations. Individual outcomes depend on workforce, participation, plan design, and implementation. Supplemental fixed indemnity coverage does not itself satisfy ACA minimum essential coverage requirements.
We bring care engagement, fully insured fixed indemnity coverage, and benefit strategy into one coordinated approach.
Virtual-first primary care and guidance help people take the next step when a health issue comes up.
Supplemental, carrier-paid benefits can help employees manage eligible healthcare expenses.
We model your workforce and benefit structure before showing a projected opportunity.
High turnover, thin margins, and employees who need practical access to care. We know the operating realities behind the benefits decision.
Schedule a franchise overviewExplore benefit options across full-time and variable-hour teams.
Evaluate how the program fits alongside your existing coverage or MEC strategy.
See projected employer economics before making a decision.
Plan enrollment and payroll around a distributed workforce.
Our work has reached tens of thousands of employees and delivered millions in reported annual employer savings. National employers have put the model to work; major voluntary benefits carriers have scrutinized the approach. Bain Capital-aligned relationships add depth to the broader network behind it.
Group fixed indemnity coverage is carrier underwritten, subject to state availability, and supported by established insurance operations.
We evaluate Overlay alongside an employer’s ACA coverage strategy, including qualifying underlying coverage where needed. Fixed indemnity is supplemental and does not itself satisfy minimum essential coverage requirements.
Plan structure, claims, tax treatment, and medical expense tracking are considered from the outset, with carrier and legal documentation available in diligence.
The right configuration depends on workforce, existing coverage, state availability, and program design.
Talk with our team about your workforce and whether the model is worth exploring.
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