The dimension
most benefits programs forget.
Real protection against real financial risk, backed by named carriers.
A $15,000 hospital stay.
A $400 bill.
Most benefits stop at a flat indemnity payout, a fixed dollar amount that rarely covers what's actually owed. SmartHealth+ closes that gap. With supplemental gap coverage in place, a $15,000 hospital stay costs an employee $400 out of pocket instead of $5,400. That's not a discount. It's the difference between a hard week and a financial setback that takes years to recover from.
Zurich: the carrier behind the gap.
Zurich provides the supplemental gap coverage at the center of this dimension, first-to-market in this category. Here's what makes it real coverage, not a marketing claim:
- Guaranteed issue -- no employee is denied based on health history.
- No pre-existing condition limitations -- coverage applies from day one, not after a waiting period.
- No claim form required -- employees don't have to navigate paperwork to get paid when something happens.
- Backed by one of the largest insurers in the world , not a startup underwriting risk it can't actually carry.
Why we chose Zurich as an Ensemble partner: Most of this category still sells flat, unbacked indemnity dressed up as protection. Zurich was the first carrier willing to build genuine supplemental gap coverage into this structure, coverage that actually closes the exposure a high-deductible plan leaves open. That's not a feature we bolted on. It's the reason this dimension exists at all.
ClearSpring Health: the foundation underneath it.
ClearSpring Health provides the fixed indemnity backing that anchors this dimension. A few reasons this matters more than it sounds:
- AM Best A− rated, a real, independently verified rating, not a self-reported claim.
- A subsidiary of Group 1001, ($76.4B AUM), with affiliated capital through Guggenheim Partners and TWG Global ($345B+) standing behind it.
- Licensed in 48 states plus DC and Puerto Rico.
- 950,000+ customers already trusting this carrier with their coverage.
Why we chose ClearSpring Health as an Ensemble partner: Named-carrier credibility was non-negotiable for this dimension. A lot of competitors in this category run their financial mechanics through unnamed "network" partners nobody can verify. ClearSpring Health's rating and scale meant we could build a structure your CPA can actually check, not one you have to take on faith.
Real protection means real options.
Because gap coverage backstops the exposure a high-deductible plan creates, employees can now make a different decision at open enrollment; choosing a lower-cost plan out of confidence instead of avoiding it out of fear. Because gap coverage backstops the exposure a high-deductible plan creates, this dimension does something most benefits structures can't: it gives employers room to consider more affordable plan designs without shifting financial risk onto the people who work for them. Nobody has to choose between a lower premium and real protection. This dimension makes both possible at once. Marquee Health's coaching program also includes a dedicated financial fitness track, giving employees direct coaching support on budgeting, debt reduction, and financial goal setting alongside the gap coverage itself.
Marquee Health's coaching program also includes a dedicated financial fitness track, giving employees direct coaching support on budgeting, debt reduction, and financial goal setting alongside the gap coverage itself.
One dimension. Two named carriers. Zero flat cash.
Financial health, done right, isn't a payout. It's a structure that actually holds when something goes wrong. That's what Zurich and ClearSpring Health build into every enrollment.
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