Boosted Coverage

Add-onsupplemental health coverage.

Retention issues don’t stop with executives. That’s why we created a lower-level benefit option built to cover primary plan deductibles, coinsurance and co-pays to better support workforce needs.

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Beyond the Limitations

Why employers are rethinking primary plan gaps.

Rising employee cost sharing

As deductibles, co-pays and coinsurance rise, employees can feel the strain of healthcare costs more often and more quickly. Even routine care can start to feel like a financial burden.

Limited flexibility from primary plans

One-size-fits-all primary plans can make it difficult to tailor benefits for different employee groups. Employers need more flexibility to stay competitive while balancing plan costs.

Traditional gap fillers fall short

Traditional gap solutions, like consumer health accounts and voluntary plans, often fall short of addressing routine healthcare expenses due to funding or event requirements.​

1 in 3Americans who skipped or delayed needed care due to cost—reinforcing the need for benefits that extend beyond the primary medical plan.

Source: KFF, 2026

A scalable solution for budget-conscious benefit strategies:

Reduce out-of-pocket strain from deductibles, co-pays and coinsurance.

Offer broader day-to-day protection than many traditional gap options.

Strengthen benefits without giving up control of overall budgets.

A smarter way to strengthen everyday coverage.

ComplaMed® is designed to help employers reduce employees’ out-of-pocket medical burden with a more practical layer of protection.

Everyday expenses

Support for the healthcare costs employees feel every day

Not every benefits challenge starts with a major claim. Many begin with routine office visits, prescriptions and other common medical expenses that add up over time. This helps cushion those everyday costs with more meaningful protection.

Follows the base plan

Coverage that follows the underlying health plan

ComplaMed is designed to work alongside the primary medical plan, helping reimburse eligible cost-sharing expenses, like co-pays, deductibles and coinsurance, that employees pay out of pocket. That makes it a straightforward option for employers looking to strengthen protection without replacing existing coverage.

Flexible by design

A scalable solution for budget-conscious benefit strategies

ComplaMed is designed to extend meaningful coverage beyond senior roles, helping employers close primary plan gaps with a flexible, cost‑effective solution that supports retention and budget priorities.

Designed Intentionally

A smarter way to address primary plan gaps.

With ComplaMed, employers can offer that additional layer of insurance to all or some of their employees to restore coverage.

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For employers

Gain flexibility in benefit design, support loyalty and retention and offer an alternative to HSAs and gap fillers. You also gain tax efficiency to give more and pay less than a comparable raise.*

For employees

Receive benefits from day one, with coverage for routine and unexpected medical needs. Eligible expenses are reimbursed dollar for dollar, making coverage feel immediate and meaningful.

Win-win for both

The result is a more balanced benefits strategy that fills meaningful gaps without exceeding budget, while employees gain practical coverage and a better day‑to‑day benefits experience.

Designed to be Used and Loved

We’re committed to making health benefits easier to use.

Better protection means more when employees can actually use it with confidence. ComplaMed combines practical medical plan gap coverage with tools and services that help make the experience easier.

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We cater to you

With tools and resources designed for all employees, you’ll find it easy to get the most from your plan.

We make it simple

Enjoy built-in features, such as a Member Portal, mobile app and swipe-and-go prescription debit card for fast reimbursements.

We’re here to serve

Our customer service teams treat you with genuine care and the highest degree of responsiveness.

94%Of ArmadaCare members rate their plan as the “most important” benefit they have.

Source: ArmadaCare Claim Data, 2024

75%Of our clients have stayed with ArmadaCare for more than 4 years!

Source: ArmadaCare Enrollment Data, 2024

Built to be used and valued.

In a world where service seems to be entirely handed off to AI, ArmadaCare remains personal, professional, thorough and efficient. The online systems work well and, when you need something more, there is always a friendly and informed person to work with.
ArmadaCare Member
We have had a real personal benefit by being part of the ArmadaCare program. The support by the customer service team has been exceptional. They fix problems! We are excited that our company has this program.
ArmadaCare Member
The benefits have eased the stress of not having to worry about getting the care you need.
ArmadaCare Member

Your questions. Answered.

Ready to talk next steps?

Whether you’re an employer exploring solutions or a benefits adviser supporting clients, our team is here to help. Connect with us to talk through your goals and see whether ComplaMed is the right fit.

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Want to learn more first?

Explore our on‑demand webinars to learn how employers are using our expense‑reimbursed products to boost coverage, stay in control and deliver meaningful protection exactly when people need it most.

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