CY125 is a supplemental benefit plan. It wraps around your existing major medical plan and fills in the gaps with benefits such as hospital indemnity, accident and gap insurance. Combined, these cover up to 100% of employees’ out-of-pocket expenses. CY125 requires no investment by the employer, and no out-of-pocket payments by employees. Employers actually enjoy an average payroll tax saving of $350 per year per employee enrolled – and our average participation rate is over 90%. Available since 2010 and fully compliant with current tax code, hundreds of companies and tens of thousands of employees have been enrolled.