American Employer Foundation

The health management plan we offer is a fully insured supplemental benefits platform designed to work alongside an employer's existing major medical plan, not replace it. Our plan integrates supplemental benefits into payroll and offers a package of employee benefits and employer cost-management features.

What benefits are typically included?

According to the AEF, the platform may include:

• 24/7 telemedicine access for the whole family

• Prescription drug benefits for the whole family

• Hospital indemnity benefits

• Lump Sum Critical illness benefits

• Accident benefits

• Ambulance benefits

• Emergency room benefits

• Surgery and anesthesia benefits

How does it work?

The Health Management Plan (HMP) is a fully insured supplemental indemnity platform. Rather than functioning like traditional major medical insurance, certain covered events trigger fixed cash claim payments. Those payments are intended to help employees address expenses associated with illness, injury, hospitalization, disease prevention or mitigation. Additionally the HMP provides counseling , behavioral therapy, instant live biometrics through facial scan technology. Employees can be more informed about their health in 6 months than they have been their entire lives, if they wish. And they will be equipped with consistent progressive custom recommendations provided by a board certified physician. 

 

For example:

• A covered hospitalization may trigger hospital indemnity claim payments.

• A covered critical illness diagnosis may trigger a lump-sum claim payment.

• Telemedicine services may be available to employees and family members.

• Covered ambulance or emergency room events qualify for additional benefits.

Why employers consider it

Employers use the program to:

• Boost employee benefits and paychecks

• Improve access to healthcare resources

• Reduce turnover and absenteeism

• Generate employer payroll-related savings through an optimized structure

• Provide additional employee value without replacing existing medical coverage

Simple explanation

A practical way to think about the AEF's health management plan is:

It is a supplemental employee benefits platform built around fully insured indemnity-style benefits and healthcare-support services that operate alongside an employer's existing health plan. Covered events may generate claim payments directly to employees, while employers receive administrative support, enrollment services, and payroll integration.