Our Healthcare Plan FAQs
At
Supplemental Health Solutions,
we understand that navigating employee healthcare benefits can raise a lot of questions. Below are answers to the most frequently asked questions about our
hospital indemnity insurance program and how it works for employers and employees alike.
What is hospital indemnity insurance?
Hospital indemnity insurance is a supplemental health plan that pays a fixed cash benefit directly to employees when they experience a covered medical event—such as hospital confinement, ER visits, ICU stays, or ambulance services. It helps reduce out-of-pocket expenses and financial stress during a health crisis.
How is this different from a traditional health insurance plan?
While traditional health insurance covers medical services through a network and requires deductibles, copays, and out-of-pocket costs, our hospital indemnity insurance provides direct cash payments to employees for specific events. In addition, our plan offers preventative health benefits—including virtual care and wellness tools—at zero net cost.
What does the Supplemental Health Solutions plan include?
Our comprehensive plan includes:
- Zero-cost prescriptions
- Virtual urgent, primary, and behavioral care
- Personal and genomic health screenings
- Health risk assessments
- Emotional and mental well-being tools
- Digital coaching and wellness programs
- Hospital indemnity payments for covered medical events
- Professional tax consulting
- A 24/7 healthcare app for convenient access
How much does the program cost?
Our program is designed to operate at zero net cost to both the employer and the employee. Through a pre-tax benefit structure aligned with Section 125 of the IRC tax code, employees reduce their taxable income, which may increase take-home pay, while employers benefit from payroll tax savings.
How does the onboarding process work?
We offer full white-glove onboarding support. Once the service agreement is signed, our team handles setup, payroll integration, employee communications, enrollment, and more. We’re there every step of the way—from initial setup through launch and ongoing support.
Is employee participation required?
While participation is optional, employees are auto-enrolled and only need to complete one qualifying activity each month—such as a health screening or virtual visit—to remain eligible. This makes the program simple to maintain while encouraging healthy behavior.
What kind of support is available?
We provide extensive support services, including:
- Consultations with licensed CPAs and attorneys
- Ongoing tech support
- Full administrative and legal compliance oversight
- Employee call center
Is this program available nationwide?
Yes. Our healthcare provider network includes licensed professionals in all 50 states, so no matter where your employees live or work, they can access care through our nationwide system.
How do employees access their benefits?
All program services and resources are accessible through our 24/7 healthcare mobile app. Employees can use it to:
- Schedule virtual appointments
- Complete assessments
- Access lab results and prescriptions
- Monitor program participation
- View account and benefit information
