Understanding Supplemental Employee Benefits: Your Questions Answered

👉(And Why Capstone Plus Is the Solution)

When it comes to employee benefits, most people immediately think of health insurance, PTO, and retirement plans. But there's a powerful category often overlooked—supplementary benefits. These are no-net-cost perks that can have a major impact on recruitment, retention, and productivity.

In this post, we’ll answer the most common questions about additional benefits—and show you why the Capstone Plus Health Plan stands out as the solution your organization (and employees) deserve.

1. What Are “Supplementary Benefits,” and Why Do They Matter?

Supplementary Benefits go beyond the basics. Think: telehealth, mental health services, financial wellness tools, health coaching, or wellness programs that support everyday life. These offerings help create a more complete, supportive work environment.

Why they matter:

• They improve employee well-being & retention.
• They reduce absenteeism and stress.
• They show your team you care—without blowing your budget.

2. Do These Benefits Cost the Employer Extra?

Not necessarily. Some benefits can be provided at no-net-cost to the employer while still adding significant value to employees.

Enter Capstone Plus—a no-net-cost health benefit plan designed to boost employee satisfaction, increase productivity, and reduce overall healthcare costs.

3. Will My Team Actually Use These Extra Benefits?

Absolutely—especially if they’re convenient and relevant. Capstone Plus makes this easy by offering:

✅ Virtual Care Access – 24/7 doctor consults and mental health support

✅ Health Advocacy – Help navigating insurance, bills, and care options

✅ Lifestyle & Wellness Tools – Personalized coaching and prevention-based services

These are services employees want and will use, especially when they know they're free and easy to access.

4. How Do Supplementary Benefits Impact the Bottom Line?

By keeping employees healthier and happier, employers see:

• Lower turnover
• Fewer sick days
• Less strain on your core insurance plan

Capstone Plus clients save an average of $725 per employee per year through reduced utilization of traditional care.

5. What Makes Capstone Plus Different From Other Add-On Plans?

Capstone Plus is not insurance, but it’s the perfect complement to it. It’s simple to implement, requires no net employer contribution from the employer, and supports your existing benefit strategy.

You don’t have to overhaul your health plan—you just have to enhance it.

Ready to Give Your Employees More—Without Spending More?

Capstone Plus is the smart, sustainable way to offer high-impact health benefits at no cost to your organization.

Let’s talk about how to bring it to your team.

👉 Schedule a Call or Get More Info

Final Thoughts: Today’s workforce expects more than just a paycheck—they expect support. Capstone Plus helps you deliver exactly that. Healthier employees, a stronger company culture, and better retention—all without adding to your overhead.

Have more questions? We’re happy to answer them.