Self-Insured Medical Expense Reimbursement Program • SIMERP

SIMERP explained in three seconds

SIMERP is an employer sponsored workplace program that provides employees the opportunity to upgrade their benefit package with a certified Preventative Care Program while reducing both the employer's and employee's health care costs and expenditures. SIMERP can reduce business payroll, give employees a spending credit for benefits and reduce your workers comp premiums. 

SIMERP is an employer sponsored workplace program that provides employees the opportunity to upgrade their benefit package with a certified Preventative Care Program while reducing both the employer's and employee's health care costs and expenditures.

Best part, it's scalable to even the largest enterprises to keep everyone under your care, healthy, and engaged.

Save on Business Taxes

Save on Business Taxes


Employers save $27,500 in annual payroll taxes. Employees receive a suite of health/wellness benefits.*

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Qualified Program

Qualified Program


A qualified ERISA, HIPAA, and ACA Compliant program that fills the gaps between your Major Medical Health Insurance.

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No Reduction

No Reduction


All done with no out of pocket expenses to the employer and no reduction to the employees' Net Take-Home Pay!

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SIMERP allows business owners the opportunity to add and offer additional benefits to their employee packages, increasing employee retention and overall well-being at no additional cost to the employer.

FEATURES FOR THE EMPLOYER

  • No Investment required
  • Immediate financial impact to the bottom line
  • $500 average payroll savings per participating employee per year
  • Increased employee retention, loyalty & productivity
  • Reduction of claim coasts averaging $1,400 over three year period. 
  • Operational within 30-45 days and fully automated.


FEATURES FOR THE EMPLOYEES

  • NO REDUCTION IN PAY
  • Robust Personal Health Dashboard to identify opportunities for a healthier lifestyle.
  • 24/7 Telehealth doctors, nurses, health coaches with no co-pay.
  • Mayo Clinic wellness programs. 
  • Addition recovery and counseling with no co-pay.
  • Supplemental insurance benefits such as life, hospital indemnity, accident, critical illness and AD&D.

AYG Insurance and Financial Services offers a no-cost, no  obligation demonstration, as well as, a free organization Employee Census to show you exactly how much your business would save with the SIMERP program.

THE SIMERP OPPORTUNITY

Lower insurance costs while simultaneously improving the benefits for employees.