Typical Competitor:
Flat Indemnity
$5,400
out of pocket
Every benefits pitch sounds the same.
This one isn't.
Carrier-grade infrastructure. Named partners. A category built because nothing else fit.
Overview: What SmartHealth+ Actually Does
SmartHealth+ doesn't manage benefits one vendor at a time. We orchestrate them, curating carrier-grade partners into a single enrollment we call the Ensemble. That structure covers four dimensions of employee health, physical, mental, financial, and professional, and it generates something we call the Workforce Dividend: a measurable, recurring return for your business, funded entirely through the payroll architecture you already run.
Now, here's why that's different from everything else in your inbox.
SmartHealth+ vs. everything else in this category.
Here's what actually separates us, feature by feature.
| Feature | Typical Provider | SmartHealth+ |
|---|---|---|
| Carrier backing | Unnamed “network” | Named, rated carriers (ClearSpring Health, AM Best A−) |
| Platform | Bolt-on software | Carrier-grade infrastructure (HCI, SOC 3, HIPAA) |
| Partner model | Single vendor, static | Curated Ensemble that grows and evolves as new needs emerge |
| Health dimensions | Usually one (physical) | Four (physical, mental, financial, professional) |
| Employer return | FICA savings only | Workforce Dividend, recurring, measurable |
| Employee return | Flat cash, if any | ~$60 more per paycheck, plus real coverage |
| Coverage type | Flat fixed indemnity | Verified gap coverage (Zurich, first-to-market) |
| Workplace protection | None | Documented Title VII process (WorkShield) |
| Implementation | Varies, often vague | 30 days, fully managed |
Here's why this category had to exist.
Open your inbox during renewal season and every pitch reads the same. Same FICA savings math. Same flat indemnity plan. Same unnamed "network" of providers nobody can verify. Different logo, same script.
That's not a coincidence. Most of this category is reselling the same underlying mechanism with different branding on top. When everyone sounds identical, the only way to actually compare offers is to dig into fine print most buyers never get to.
SmartHealth+ didn't try to out-shout that noise. We named a different category instead.
This isn't a bolt-on app. It's infrastructure.
A lot of the newer names in this space are stitched-together software with an insurance license borrowed from somewhere else. SmartHealth+ is built differently.
-
ClearSpring Health
Rated AM Best A− with a positive outlook, subsidiary of Group 1001 with $76.4 billion in combined assets under management, plus an affiliated $345 billion capital relationship through Guggenheim Partners and TWG Global; 950,000+ customers already trusting this carrier.
-
Zurich
first-to-market supplemental gap coverage, backed by one of the largest insurers in the world.
-
HCI Active
the platform infrastructure, trusted by BCBS, Cigna, Zurich, Chubb, Mercer, and Disney covering 4 million lives, SOC 3 and HIPAA certified, zero high or critical vulnerabilities.
Named carriers. Named credentials. Nothing here is a startup betting your employees' coverage on a Series A.
See the full credential listZero competitors in this category offer what we offer here.
Nearly every competitor selling this structure runs the same FICA savings pitch with flat fixed indemnity behind it. SmartHealth+ adds something substantive: real supplemental gap coverage from a named carrier, guaranteed issue, no pre-existing condition limitations, no claim form required.
Typical Competitor:
SmartHealth+:
Verified Gap Coverage
$400
out of pocket
A $15,000 hospital stay costs $400 out of pocket instead of $5,400. That single number is one of the sharpest proof points in this entire category, and today, it belongs to us.
The exposure nobody else covers.
Gap coverage isn't the only place SmartHealth+ stands alone. Zero direct competitors in this category offer employer liability protection. Not one. WorkShield's documented Title VII process gives every enrolled employee, and every HR Director, a real process if something goes wrong at work, not just a policy sitting in a binder.
Typical Competitor:
No Liability Protection
SmartHealth+:
WorkShield's Documented Process
Different language. Different infrastructure. Different outcome.
You've seen the sameness. You've seen what's actually behind our name, named carriers, real credentials, coverage most competitors won't touch. This isn't a rebrand of the same old pitch. It's a different category, built because your people, and your business, deserved something better than flat cash and a logo swap.