Provide a Health Spending Account to top-up their coverage under the group insurance plan. Allocate them a dollar amount that they can spend on themselves and their family once the limits of the group insurance plan are reached. Orthodontics, designer eye glasses, laser eye surgery or more massage therapy are all typical expenses that don’t get the full treatment under a group insurance plan. Without this coverage, precious after-tax dollars are being wasted. A $5,000 allowance under a Health Spending Account through HealthPlus, will in many cases put more than twice the after-tax dollars in their pocket compared to all other forms of compensation.