Overlay Health™ is a fully insured population health incentive plan that reduces healthcare spend by 15–30% — without cutting employee benefits. Backed by a 202-year-old, AA-rated carrier.
Built by Imici Health, Overlay Health™ is a fully insured population health incentive plan that overlays your existing medical coverage — with zero disruption to your current carriers, networks, or plan design.
By incentivizing preventive care, health screenings, and wellness participation, Overlay Health™ drives measurable improvements in employee health while delivering 15–30% in overall healthcare cost savings.
Underwritten by a 202-year-old, AA-rated carrier, the plan is purpose-built for regulatory compliance and financial stability — giving employers and brokers complete confidence.
Unlike other wellness programs, Overlay Health™ is a fully insured product — not a discount card, not a wellness-only tool, and not a self-funded risk.
Whether you're managing benefits for your organization or advising clients, Overlay Health™ delivers value across the board.
Healthcare premiums keep rising — Overlay Health™ was designed to fix that. Better benefits at lower costs make you more competitive in today's labor market.
We work hand-in-hand with brokers. Overlay Health™ gives you a differentiated, fully insured solution to bring to your clients — with full compliance and carrier backing.
A fully insured solution that delivers across compliance, cost savings, and employee engagement.
Designed from the ground up to satisfy ACA, ERISA, HIPAA, and DOL requirements. No gray areas — just clean, defensible plan design.
By incentivizing preventive care and wellness activities, employers see meaningful reductions in claims frequency and overall healthcare spend.
Employees are rewarded for health screenings, preventive visits, and wellness participation — leading to earlier detection and improved long-term health.
Underwritten by one of the oldest and most financially stable carriers in the industry, providing unmatched stability and peace of mind.
Overlays your existing medical plan with no changes to carriers, networks, or plan design. Implementation in as little as 30 days.
Better benefits at lower costs make you more competitive in today's labor market — improving recruiting and keeping top talent on your team.
A straightforward path from discovery to measurable results.
We learn about your current benefits, employee demographics, and cost-reduction goals.
A fully compliant Overlay Health™ plan is tailored to your specific workforce and benefit strategy.
We handle implementation alongside your existing plan with full employee communication support.
Track participation, health engagement, and cost savings with transparent, HIPAA-compliant reporting.
Every element of Overlay Health™ has been purpose-built for regulatory compliance. For brokers advising clients and employers managing risk, this means complete confidence in the plan's legal integrity.
Request Compliance Details →Meets all Affordable Care Act wellness program regulations and incentive limits.
Structured to satisfy Employee Retirement Income Security Act requirements.
Full HIPAA privacy and nondiscrimination compliance for all health data.
Meets Department of Labor guidelines for wellness incentive programs.
Answers to the most common questions from employers and brokers.
Overlay Health™ is a fully insured population health incentive plan built by Imici Health. It overlays your existing medical coverage — rewarding employees for preventive care, screenings, and wellness activities — while reducing overall healthcare costs by 15–30%.
No. Overlay Health™ works alongside your existing coverage without any changes to your carrier, network, or benefit design. It enhances your benefits — it doesn't replace them.
By incentivizing preventive care and early health interventions, Overlay Health™ reduces claims frequency and severity over time. Healthier, more engaged employees generate lower overall healthcare spend — and the savings are measurable through our reporting.
Unlike self-funded arrangements, Overlay Health™ is underwritten by a 202-year-old, AA-rated insurance carrier. The employer bears no insurance risk — the carrier assumes responsibility for claims and payouts, providing stability and peace of mind.
Overlay Health™ was purpose-built to satisfy ACA wellness program rules, ERISA requirements, HIPAA nondiscrimination and privacy standards, and Department of Labor guidelines. Every aspect of the plan design has been vetted — there are no regulatory gray areas.
Not at all. Because Overlay Health™ integrates alongside your existing coverage, there's no disruption — and you can begin capturing savings regardless of where you are in your renewal cycle.
Most organizations are fully implemented within 30–60 days. We provide complete support including plan design, employee communications, and enrollment assistance.
We work hand-in-hand with brokers and consultants. Schedule a broker briefing and we'll walk you through how Overlay Health™ fits into your benefits practice, including compliance documentation and client-facing materials.
Employees earn incentives by completing qualifying health activities — such as annual physicals, biometric screenings, preventive care visits, and wellness participation. The specific activities and reward structure are customized to your organization's goals.
We hear that a lot — and we welcome the scrutiny. We provide case studies, compliance documentation, and carrier details during our introductory call so you can evaluate the plan with complete transparency.
Schedule a brief introductory call to learn how Overlay Health™ can lower costs and improve benefits for your organization or clients.