This starts with an OOP insurance for your participants that will provide funds to reimburse deductibles and co-pays on your group major medical plan for the year. First, medical reimbursements are provided up to $16,650. By each plan year’s end, the balance of the allotment will provide enhanced retirement benefits for the employee, and this will not cost any employee on your group plan one dime from their income. Every employee can afford this OOP insurance, from the lowest paid to the highest paid.