Executive health

Tax-Efficient Coveragefor executives.

Trusted by employers since 2004, our premier executive medical reimbursement solution expands coverage beyond primary plans, supporting executive health and performance through a tax-efficient approach.*

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Protect Key Leaders

Why invest in executive health?

Retention, recruiting & rewards

Losing a key executive to a health event, a competing offer or retirement can be costly. Replacing a C-level leader can cost up to 213% of their annual salary.

Unique healthcare needs

Standard primary health plans are built for the broader employee population. Executives and their families often need a different level of flexibility and support.

Tailored well-being support

High-stress roles, demanding schedules and frequent travel can take a toll on physical and mental well-being. That can affect not only the executive, but also productivity, continuity and the teams they lead.

213%Replacing a C-level executive can cost up to 213% of their annual salary

Source: Applauz, 2026

Designed specifically for key employees, Ultimate Health^® by ArmadaCare complements the primary health plan so companies can:

Control overall costs while restoring richer coverage for key employees.

Offer a tax-efficient benefit that can deliver more value than compensation alone.*

Attract top talent and strengthen retention with a more differentiated benefits strategy.

Next-level
health coverage with Ultimate Health.

Primary plans often fall short of the healthcare needs and expectations of executive families. Ultimate Health helps fill those voids with expanded coverage for routine, expected and unexpected healthcare expenses.

Level 1: Primary Plan Gaps

Picks up where primary plans leave off

The first layer of coverage addresses common out-of-pocket exposures created by primary health plan deductibles, cost sharing, exclusions and limits. It helps employers restore meaningful value when primary plans don’t go far enough.

Ultimate Health can reimburse^** for:

Deductibles
Co-pays
Coinsurance
Exclusions
Limitations
Therapy limits

Level 2: Expanded coverage

Far more than just medical

Executive healthcare utilization is different and primary plans typically fall short of their needs. Ultimate Health helps fill the void by expanding ordinary coverage to what they want and expect.

Ultimate Health can reimburse^** for:

Brand name frames
Contact lenses
Brand name Rx
Major dental
Mental health
IVF

Level 3: a level beyond

Coverage that exceeds expectations

Executive health is an investment in performance, stability and long-term business value. Ultimate Health supports physical and emotional well-being with coverage for high-value services that can help reduce stress and support preventive care.

Ultimate Health can reimburse^** for:

Acupuncture
Elective executive physicals
Adult orthodontia
Hearing aids
LASIK
Prescribed massage therapy

**reimbursement dependent upon issued policy

Financial Advantages

Strengthen your tax-efficient benefits strategy.

For more than two decades, Ultimate Health^® has helped employers deliver greater value to key employees while managing overall costs more effectively. Our legacy executive medical reimbursement plan helps solve various business and benefit challenges, supporting a strategic benefits approach.

See How It Works

For executives

Boost take-home compensation with benefits that are not treated as reportable income.*

For employers

Convert benefit spending into a tax-deductible business expense.*

Financial win-win

Under section 105(h) of the tax code, employer premium contributions are tax-deductible, and health plan benefits received by employees are non-taxable.*

PROACTIVE SUPPORT

Protect leadership health and reinforce loyalty.

Ultimate Health is a fully insured executive medical reimbursement plan that combines broad healthcare coverage with built-in support services to help keep top performers healthy, happy and focused on the business.

TopDoc Connect^®

Patient-to-physician matching service that connects members to the specialist most experienced in their specific condition. Providers are carefully evaluated to help members find the right expertise with greater confidence.

Get Me Home^®

Emergency travel and medical service that includes fully paid air evacuation to a member’s hospital of choice, along with additional travel-related support services. Coverage can be used for business and personal travel 100 miles or more from home.

Executive Physical Program

Our elective executive-focused prevention program includes coverage and navigation services in order to help facilitate early detection and drive better health outcomes.

Feel Supported

Easy to use. Highly valued.

24/7 online claims filing & management
Claims turnaround in 5 to 7 business days
Reimbursements via direct deposits
Swipe-and-go prescription debit card
People-first service & ongoing education

4xArmadaCare helps organizations retain C-suite compared to the expected turnover rate.

Source: ArmadaCare Enrollment Data, 2024

94%Of all ArmadaCare members surveyed rated their ArmadaCare plan as the “most important” or an “important” benefit they have.

Source: ArmadaCare Engagement Survey, 2025

Designed to be used and loved

ArmadaCare has been a valuable part of our executive benefits strategy and continues to deliver a strong return on investment in the recruitment and retention of senior leaders and key talent.
ArmadaCare Client

I love this program and the team that supports the members is fantastic. This program has been a game changer for me and my team. Working for a non-profit it is hard to compete with compensation. ArmadaCare has allowed us to provide an additional benefit to our staff that helps offset the costs of insurance and has really assisted with recruiting!
ArmadaCare Client

We have partnered with ArmadaCare since 2014, and the program helps us offer a differentiated benefits package that enhances our overall employee value proposition. Their customer support team is responsive, knowledgeable and committed to resolving issues quickly.
ArmadaCare Member

ArmadaCare continues to innovate and improve both its service offerings and user experience, making them a trusted and reliable partner for our organization.
ArmadaCare Member

What are the benefit levels?
The benefit level vary by product and plan. Ultimate Health, for example, has annual family maximums of $50,000 or $100,000.
What types of expenses are typically covered?
What’s covered varies by plan. For example, ArmadaCare’s Ultimate Health product offers coverage for a broad range of 213(d) eligible expenses, such as primary plan deductibles, coinsurance and co-pays as well as other medical out-of-pocket expenses, prescriptions, mental health, wellness treatments (such as acupuncture and prescribed massage therapy), preventive services (such as Executive Physicals), durable medical equipment, dental, and vision.
Who can I enroll?
ArmadaCare’s plans are group insurance plans, not individual plans, meaning coverage can only be purchased by an employer. As the employer, you decide whom to enroll. Keep in mind that enrollment minimums must be met (just three employees for Ultimate Health), and coverage must align with the primary health plan. For example, employees with family coverage under their primary plan must enroll at the family level in ArmadaCare.
What states are your plans available in?
Our supplemental health plans can be written for companies based in 47 states and DC. The state refers to location of master application, not participant residence, worksite or corporate situs. The only states where we currently don’t have solutions available include NH, NJ and VT.
What type of primary health insurance plan is required?
ArmadaCare’s plans can be written on top of various types of primary medical plans as long as there is hospital, medical and prescription coverage. This includes, but is not limited to fully insured plans, self-funded plans, PEO plans, Qualified High-Deductible Health Plans (QHDHP) and TRICARE. Plus, there are options for employees waiving the policyholder’s primary medical plan and for employees enrolled in Medicare so you should definitely ask us about those. Primary dental and vision plans are not required.
How do I get a quote? How long does it take?
We just need a few key details related to the company, census and underlying coverage (medical as well as dental and vision, if applicable). You can click on “Getting Started” or contact us for the underwriting guidelines. Our typical turnaround time for pricing proposals is 5 to 7 business days.
Why do I need to get a quote to see pricing?
ArmadaCare’s premiums vary depending on the plan level chosen, the characteristics of your primary health plan, and the demographics of those you enroll. We take into account who is being covered, along with the amount of expenses you are likely to incur with a specific primary health plan. For instance, a primary health plan with a large deductible will have a higher ArmadaCare premium than a primary health plan with a lower deductible since we will be reimbursing more for the former.

Ready to talk next steps?

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

Schedule a Time to Talk

Want to learn more first?

Explore our on-demand webinars to learn how employers are using executive health benefits to support retention, elevate compensation strategies and solve coverage challenges with more confidence.

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

Executive health

Tax-Efficient Coveragefor executives.

Protect Key Leaders

Why invest in executive health?

213%Replacing a C-level executive can cost up to 213% of their annual salary

Designed specifically for key employees, Ultimate Health® by ArmadaCare complements the primary health plan so companies can:

Next-levelhealth coverage with Ultimate Health.

Level 1: Primary Plan Gaps

Ultimate Health can reimburse** for:

Level 2: Expanded coverage

Ultimate Health can reimburse** for:

Level 3: a level beyond

Ultimate Health can reimburse** for:

Financial Advantages

PROACTIVE SUPPORT

Feel Supported

4xArmadaCare helps organizations retain C-suite compared to the expected turnover rate.

94%Of all ArmadaCare members surveyed rated their ArmadaCare plan as the “most important” or an “important” benefit they have.

Designed to be used and loved

Looking for more? We’ve got more to share.

Ready to talk next steps?

Want to learn more first?

Designed specifically for key employees, Ultimate Health^® by ArmadaCare complements the primary health plan so companies can:

Next-level
health coverage with Ultimate Health.

Ultimate Health can reimburse^** for:

Ultimate Health can reimburse^** for:

Ultimate Health can reimburse^** for: