A plug-in strategy that saves you approximately $1,000 per employee per year, gives your employees real healthcare access, and costs them nothing out of pocket — without touching your existing plan.
Overlay Health was built to solve all three at once.
Premiums go up every year. Deductibles of $1,500–$5,000+ push more cost onto employees. Benefits get harder to use, not easier.
Benefits employees don't understand go unused. When they don't engage, you lose the ROI on every dollar invested and employees miss the value they're owed.
Finding real savings without disrupting what's already working is a constant challenge. Every decision touches headcount and the bottom line.
Overlay Health layers three proven benefits on top of your existing medical plan — no replacements, no disruption, immediate results.
Everything runs through your existing payroll. No new systems. No disruption to HR.
Auto-enrolled in the Group Hospital Indemnity plan. Fully insured, A-rated carrier. No medical underwriting required.
Premium deducted pre-tax via Section 125 — just like health insurance or a 401(k). Taxable wages are reduced immediately.
Lower taxable wages mean lower payroll taxes for the employer and lower taxes for the employee. Both win.
Immediate access to virtual doctors, behavioral health, 400+ free prescriptions, and hospital coverage — at zero net cost to the employee.
Compatible with 30+ payroll platforms including ADP, Paylocity, Paychex, Gusto, Paycom, and more.
Per enrolled employee, per year — here is what the economics look like.
Savings illustrations are for example purposes only based on common plan characteristics. Subject to plan terms and individual tax status.
Estimated annual savings with 50 enrolled employees
Estimated annual savings with 100 enrolled employees
Share your employee census with us and we'll run a complimentary savings analysis — no cost, no commitment. Just the numbers.
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