Quantum Health Benefits is a fully-insured supplemental indemnity plan that layers on top of an employer’s existing major medical coverage — filling the gaps, extending the protection, and delivering a suite of benefits that employees in Phoenix, Scottsdale, Mesa, Chandler, Tempe, and Gilbert will notice and use from day one.

Here is what every participating employee receives:

◆  Hospital Indemnity

Living in Arizona means enjoying some of the country’s top medical facilities — Banner Health, Dignity Health, HonorHealth, Mayo Clinic in Phoenix. But even with strong major medical coverage, a hospital stay generates out-of-pocket costs that catch families off guard. Hospital indemnity pays cash benefits directly to the employee for covered inpatient hospital stays — money that can be used for anything from deductibles and copays to rent, groceries, or childcare while recovering. It bridges the gap between what insurance covers and what life actually costs during a medical event.

◆  Emergency Room Coverage

Arizona’s heat-related illnesses, outdoor activity injuries, and the general unpredictability of family life mean that emergency room visits are a reality for most households. ER supplemental coverage provides additional cash benefits when employees or their covered dependents end up in the emergency room — reducing the financial shock of an already stressful experience and ensuring that the cost of urgent care does not turn into a financial setback.

◆  Ambulance Service Coverage

Emergency transport is one of the most consistently underpaid benefits in standard health insurance — and one of the most shocking bills a family can receive. Ambulance coverage under the Quantum Health Benefits plan provides supplemental benefits specifically for emergency transportation costs, including ground and air ambulance, significantly reducing the out-of-pocket exposure that catches families unprepared.

◆  Critical Illness & Accident Coverage

A cancer diagnosis, a heart attack, a stroke, a serious accident — these events upend not just health but finances. Critical illness and accident coverage delivers lump-sum cash benefits upon diagnosis of covered critical illnesses or in the event of a qualifying accident. For employees in physically demanding industries — construction, healthcare, transportation, manufacturing — that are well-represented across Maricopa County’s economy, accident coverage is a particularly meaningful addition to the benefit package.

◆  Daily Inpatient Surgery & Anesthesia Benefits

Surgical procedures and anesthesia costs represent some of the largest gap areas in standard health coverage. This benefit provides daily cash payments for covered inpatient surgical procedures and anesthesia, helping employees manage the financial impact of planned or emergency surgeries without depleting savings or taking on debt.

◆  Prescription Drug Plan

Out-of-pocket prescription costs remain a persistent financial burden for Arizona families, particularly for employees managing chronic conditions or household members who require ongoing medication. The supplemental prescription drug benefit under the QHB plan reduces what employees pay at the pharmacy — a tangible, month-to-month improvement in take-home financial wellbeing that employees feel immediately.

◆  24/7 Telemedicine Access

In the Valley of the Sun, where urgent care wait times can stretch for hours and summer heat makes unnecessary car trips genuinely unpleasant, 24/7 telemedicine access is a benefit that employees use regularly. Licensed physicians available around the clock via phone or video — for common illnesses, prescription renewals, medical questions, and minor conditions that do not require an in-person visit. For working parents managing school-age children’s health needs, night shift workers, and anyone who simply cannot afford to take half a day off for a routine care visit, this benefit delivers immediate, practical value.

◆  Wellcare Benefit

Preventive health is the most cost-effective form of healthcare — and the most frequently skipped when life gets busy. The wellcare benefit provides coverage for preventive and wellness services that encourage employees to stay proactive about their health, supporting the kind of consistent health management that reduces both personal medical costs and employer healthcare expense over time.

◆  Virtual Veterinary Care

This one surprises people — and then it becomes one of the most talked-about benefits in the package. Arizona is one of the most pet-friendly states in the country, and Maricopa County’s outdoor lifestyle means pets are a genuine part of most households’ daily lives. Virtual veterinary care gives employees 24/7 access to licensed veterinarians for their pets via phone or video — for questions, symptom guidance, medication advice, and general pet health support. It is a benefit that employees notice, mention to their friends, and remember at review time. At zero extra cost, it is one of the highest-impact retention differentiators in the QHB package.

◆  Zig Ziglar Life Coaching

The legendary Zig Ziglar personal development library — motivation, goal-setting, sales skills, mindset, leadership, and life balance — is included as part of the Quantum Health Benefits package. In a competitive Maricopa County labor market where employees increasingly value employers who invest in their personal growth, this benefit communicates something important: that the company sees its people as whole human beings, not just job functions. Access to world-class coaching content at no cost to the employee is a differentiator that resonates particularly strongly with younger workers and growth-oriented professionals across the Valley.