benefit programs
Unita Benefit Programs integrate our Mind, Scan, and Well Apps with a range of Voluntary Benefits, creating a strategic solution that effectively reduces costs for both employers and employees.
By leveraging this holistic approach, we aim to enhance overall well-being while optimizing financial outcomes. Discover how our innovative programs can transform your benefits strategy today.
Flex Shield Program
Flex Shield is a fully insured program underwritten by Clear Spring Health. Flex Shield combines Hospital Indemnity coverage with Wellbeing in one comprehensive policy, approved by Departments of Insurance in 45 states. For organizations with high-deductible health plans, Flex Shield Gold adds GAP coverage that helps protect employees from unexpected major medical expenses, creating complete financial peace of mind.
Coverage
Flex Shield provides robust indemnity benefits including hospital admissions, daily confinement, ER visits, and monthly wellbeing indemnity claim payments. Our GAP coverage coordinates with your existing health insurance plan to cover deductibles—essentially filling the financial gaps that high-deductible plans leave behind.
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Indemnity Wellbeing
Employees gain access to wellness support including dedicated health coaches and licensed mental health counselors for proactive monthly sessions. The program also features unlimited 24/7 crisis support, face-to-face or virtual therapy sessions, text therapy options, self-guided behavioral health and a company-branded wellness app with health assessments, personal insights, and wellness challenges.
Direct Payments
Monthly wellbeing indemnity claims are submitted by coaches and counselors, processed electronically and delivered directly to employees' accounts, aligned with payroll frequency. This helps employees offset Flex Shield premium costs while building healthier habits that reduce long-term healthcare expenses.
The Flex Shield Advantage
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Up to $94,500 in potential annual coverage per employee
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GAP benefits cover $2,000-$5,000 in deductible costs
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Section 125 design saves employers an average of $1,000 per participating employee per year
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Wellbeing indemnity payments help offset Flex Shield program
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Higher deductible plan participation increases client savings
