Pre-tax deduction. A portion of each participating employee's pay moves pre-tax through the §125 payroll structure you already run. No new system. No new vendor contract to manage day to day. Your payroll provider doesn't change. Your process doesn't change.
The Ensemble. Eight partners, curated into one enrollment.
Four ways your people get healthier. One measurable return for your business.
Most benefits pitches take fifteen minutes to explain and never quite land, because most benefits are actually multiple separate vendors bolted together with none of them talking to each other. This is different. This is orchestrated.
Multiple partners. One enrollment. Zero coordination required.
Most employers who try to build this themselves end up managing separate vendor relationships, separate logins, separate points of confusion for their employees.
SmartHealth+ orchestrates all of it into a single enrollment experience:
- Recuro — 24/7 virtual primary care
- HCI Active — the platform infrastructure connecting all of it, carrier-grade, SOC 2 and HIPAA certified
- Superpower — annual $200 blood panel and biomarker screening
- WorkShield — documented Title VII workplace protection
- Marquee Health — 14 dedicated coaching tracks with national board-certified coaches, delivered through HCIactive
- ClearSpring Health — fixed indemnity backing, AM Best A− rated
- Yuna — 24/7 AI-powered mental health support
- Zurich — supplemental gap coverage, first-to-market
Eight names. Eight credentials. Nothing generic, nothing outsourced to an unnamed “network.”
See how each partner fits togetherThe mechanism: three steps, no black box.
Same-paycheck reimbursement. That same amount comes back to the employee, same paycheck, now funding real coverage across every partner in the Ensemble. Nothing sits in a black box, and nothing requires them to file a claim to get what they're owed.
The Workforce Dividend. The payroll mechanics that fund all of this also generate a measurable employer return, recurring, annual, measured in seven figures at scale for larger employers. It's not a discount. It's not a rebate. It's a byproduct of running your existing payroll through a smarter structure.
What your people actually get, dimension by dimension.
Four dimensions. One enrollment. Ordered the way people actually need them.
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PHYSICAL
Recuro puts a doctor within reach at midnight. Superpower's $200 blood panel catches what's coming before it's a crisis.
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Mental
Yuna removes the waitlist and the stigma. Support is there the day someone needs it.
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Financial
Zurich's gap coverage means a $15,000 hospital stay costs $400 out of pocket instead of $5,400. That's the difference between a bad week and a financial setback.
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Professional
WorkShield gives employees a documented process when something goes wrong at work. Zero competitors offer this. Not one.
What it means for your business.
Thirty days. We handle implementation. Your people get the full Ensemble's worth of coverage through one enrollment. Your business gets a Workforce Dividend, funded entirely through the payroll architecture you already run. Different structure. Same payroll. Better outcome, on both sides of the ledger.
Talk to an Orchestration Expert
