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Add a real annual comprehensive lab panel to what your team has access to.

A yearly blood panel for every enrolled employee, their spouse, and their dependents with no insurance billing, no out-of-pocket expense to employees, and reimbursable under the ESPA.

Most workplace plans do not include real preventive blood work.

The Employer Sponsored Preventive Access (ESPA) plan does. Every enrolled employee, their spouse, and their dependents can get a comprehensive lab panel each year that looks at the markers behind heart health, metabolism, thyroid function, hormones, inflammation, and nutrition. It is a simple way for your team to catch a change early, while it is still easy to act on.
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What is an annual comprehensive lab panel?

An annual comprehensive lab panel is a single yearly blood draw that screens a broad set of health markers at once. Instead of waiting for symptoms, it gives each person a yearly baseline and a way to see how their numbers move over time. The ESPA panel covers six categories of markers:

  • Metabolic: blood sugar, kidney function, and liver function.
  • Cardiovascular: cholesterol and the full lipid panel.
  • Inflammation: C-Reactive Protein (CRP) and related markers.
  • Thyroid: Thyroid-Stimulating Hormone (TSH) and thyroid function.
  • Hormone: testosterone, cortisol, and related markers.
  • Nutritional: vitamin D, vitamin B12, iron, and more.
Together these markers show how the body is working long before most issues are felt.

Why an annual lab panel matters for your workforce

Blood work is one of the few ways to see a health problem forming before there are symptoms. High blood sugar, rising cholesterol, low vitamin D, and an underactive thyroid often have no warning signs in their early stages. A yearly panel turns those quiet changes into something a provider can see and act on. For an employee, that can mean catching a thyroid issue early, or tracking a cholesterol trend year over year instead of learning about it at a crisis visit.

Who receives the annual panel

Each enrolled employee, their spouse, and their dependents receives the comprehensive panel each year, delivered through the employee technology portal.

What it means for your employees

A yearly panel for every enrolled employee.
Early insight: see a change before it turns into a bigger problem.
A real baseline: track the same markers year over year.
Simple to use: ordered by a provider and drawn at a contracted lab.
No insurance billing: the panel is reimbursable under the ESPA.
No change to take-home pay.

Why it matters for employers

Employees who catch issues early lean less on the major medical plan over time. When routine screening runs through the ESPA, fewer of those visits flow through major medical, which helps ease claims pressure at renewal. A real lab panel is also the kind of benefit employees notice and remember, which supports retention. The ESPA works alongside your existing major medical plan and does not replace it. The payroll tax savings the employer recovers typically exceed the cost of plan administration.

How it works

A provider orders the panel through the employee technology portal.

The employee visits a contracted lab for a quick blood draw.

Results are returned and can be reviewed with a provider.

If a provider sees something to watch, follow-up labs can be repeated as often as medically necessary. See Unlimited Prescribed Labs.

Frequently asked questions

The annual comprehensive lab panel is for the enrolled employee, their spouse, and their dependents, delivered through the employee technology portal each year.
The panel screens for metabolic, cardiovascular, inflammatory, thyroid, hormonal, and nutritional markers. That includes common tests such as a complete blood count, a comprehensive metabolic panel, a lipid panel, Hemoglobin A1c (A1C), thyroid function, and vitamin D. The full list is on the Unlimited Prescribed Labs page.
No. The panel is a preventive screening that works alongside regular care and your existing major medical plan. It does not replace either one.
No. The ESPA is not insurance. It is an employer-sponsored plan, and the lab panel is a preventive health benefit reimbursable under the ESPA, with no insurance billing.

There is no out-of-pocket expense, the panel is reimbursable under the ESPA, and there no insurance billing, and employee take-home pay does not change.

Labs are drawn at a contracted lab. In some areas, often called lab deserts, a contracted lab may not be nearby. If no contracted lab is available, that lab work may be billed to the major medical plan or the member. A provider can help find the nearest option.

The comprehensive panel is available each year. When a provider orders follow-up tests, those can be repeated as often as medically necessary. See Unlimited Prescribed Labs.

Give your team real preventive care.

  • Works alongside your existing major medical plan.
  • No change to take-home pay.
  • Most plans are in place within 30 days of enrollment.
  • Employers typically recover an average of over $500 per employee per year in payroll tax savings, after administration costs.
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Note: Tax benefits stem from the structure of the Self-Insured Medical Reimbursement Plan, which uses pre-tax funding. Employers benefit from reduced FICA taxes, while employees only realize tax advantages if they actively participate in the plan and earn the reimbursement after-tax. Without participation, any reimbursement becomes taxable, negating the financial benefit.​

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