With ComplaMed, you can help alleviate the strain of out-of-pocket medical expenses so that employees seek necessary medical care to stay healthy and productive.

Pay Less To Give More

A fully insured supplemental healthcare plan, ComplaMed is designed to fill common gaps in your medical coverage, such as co-pays and deductibles. Often used to boost benefits for targeted populations (skilled workers, technical staff and others who can be hard to recruit and retain), it offers a more cost-efficient option than our higher-level plans. Like our other plans, you still gain tax efficiency, which allows you to give more and pay less than a comparable pay increase.*

*This is not local, state or federal tax advice as each person and each company is unique. It is recommended that you seek the independent counsel of a professional tax adviser.

Fill voids in primary healthcare plan coverage and access.

See How It Works


Boost Coverage

Offer plan levels with $5k or $10k aggregate family coverage.

Stay in Control

Choose the optional deductible to maintain consumerism and cost objectives.

Deliver Value

The swipe-and-go Prescription Visa® Card ensures ease of use.

Support Health & Productivity

Enrolled employees can gain access to the right specialists with expertise to treat their conditions with TopDoc Connect.

Beyond Coverage

Why Choose ComplaMed?

Out-of-pocket costs are rising to levels that many employees simply cannot afford. The resulting financial stress has ripple effects on employee health and productivity. Companies need a way to backfill coverage gaps for some or all of their employees. ComplaMed brings value with coverage for everyday healthcare expenses not found in voluntary plans.


Preserve coverage for select employee groups when you have to move to a higher primary plan deductible.


Gain the flexibility you need to work within your budget by adding coinsurance or a deductible to the ComplaMed insurance plan structure.


Differentiate your total benefit and compensation offer for select employee groups to gain an advantage over competitors.

Selected Insights

Benefit Trends

Coverage Gaps and Financial Stress of Unexpected Medical Bills

The cost of healthcare is a major concern for employers and employees alike. And for good reason: employee benefits account for about one-third of employers’ total compensation costs.[1] This is why employers focus on cost control and on strategic benefit planning to ensure maximum return on investment. Coverage gaps and unexpected medical bills can cause […]

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Benefit Trends

Health Accounts: Be Aware of the Shortcomings

Health accounts have become a very popular way for companies to curb benefit costs. While this can be a good option, health accounts do have some shortcomings and it’s important to understand them. Background With the battle for talent becoming more and more competitive, it is imperative for employers to leverage their benefits package to […]

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Benefit Trends

Voluntary Insurance: A Closer Look into the Typical Gap Plan

Voluntary insurance, also referred to as worksite voluntary insurance, is the most common type of supplemental health insurance. A few examples of voluntary insurance plans are critical illness, cancer and hospital indemnity. For years, voluntary insurance has dominated the supplemental market, which is why when employers and brokers think of supplemental insurance, their minds automatically […]

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