What Benefits Come with XO Financial

Preventative Care for Your Employees and Their Families​
Health & Wellness at No Additional Cost

By participating in the governmental program Self Insured Medical Reimbursement Plan(SIMRP) your employees and their families will have access to valuable benefits and resources that provide additional care in a more convenient and cost effective way.  All while working side by side with your current health plan.  In addition to the benefits it provides for your employees (at no net cost to them,  It will actually increase every eligible employee's take home pay) your business could save a significant cost on payroll taxes, using the government approved reimbursement feature that makes the SIMRP unique and extremely valuable as a school administrator.  We will also include our scholarship program that gives you the opportunity to reward even more students with a financial boost.
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Enjoy unlimited telemedicine visits, over 1,000 free prescription medications, over 1,000 discounted prescription medications and access to trusted brands such as Mayo Clinic®, Lõvu®, and Anura®. Get the care and support you need regardless of your insurance provider—coverage extends to you and your eligible legal dependents.

Take a look around: watch our video tour, explore this page, or review the full benefits guide further below. 

Wellness Benefits Overview
Take a Closer Look

Family Telemedicine

DIGITAL HEALTH & FREE PRESCRIPTION DRUGS

​​Access licensed physicians anytime by phone or video for non-emergency illnesses and everyday healthcare needs. TeleHealth provides convenient, 24/7 care for you and your family from the comfort of home.

The SIMRP also includes access to over 1,000 commonly prescribed medications at no cost, plus discounts on additional prescriptions, including select GLP-1 medications.

Mayo Clinic® Talks & Programs

ACCESS TO MAYO CLINIC® THROUGH 24aLife® APP
​Provides a range of expert-designed wellness programs to help you build healthier habits, improve fitness, manage stress, and support long-term well-being.
Featured Programs:
  • Total Body Workout – A 12-week high-intensity interval training (HIIT) program featuring 20-minute workouts that combine strength training, cardio, and stretching.
  • 12 Habits of Highly Healthy People – A year-long guided program focused on developing and maintaining healthy lifestyle habits.
  • The Resilient Program – A self-paced video course that teaches practical techniques to reduce stress, prevent burnout, and build resilience.
  • Mayo Clinic Diet – A sustainable weight management program developed by Mayo Clinic experts to promote healthy eating and lasting results.

Anura Facial Scan

​HEALTH VITALS VIA FACIAL SCAN
​Take a selfie to learn your statistics using the world’s first smartphone app that can inform you about your general wellness in 30 seconds. The Anura facial scan app uses the camera on your mobile device to take a selfie video in 30 seconds, providing these measurements:
Vitals
  • Heart Rate
  • Breathing
  • Systolic Blood Pressure
  • Diastolic Blood Pressure
  • Irregular Heartbeat

Physiological
  • Heart Rate Variability
  • Cardiac Workload

Mental
  • Mental Stress Index
  • Anxiety
  • Depression
Physical
  • Body Mass Index
  • Facial Skin Age
  • Waist-to-Height Ratio
  • Body Shape Index

General Risks
  • Cardiovascular Disease Risk
  • Heart Attack Risk
  • Stroke Risk
Metabolic Risks
  • Hypertension Risk
  • Type 2 Diabetes Risk
  • Hypercholesterolemia Risk
  • Hypertriglyceridemia Risk

Blood Biomarkers
  • Risk of HbA1c Level > 5.7%
  • Risk of Fasting Blood Glucose
    ​Level > 5.5MMOL/L

Lōvu

WELLNESS FOR MOTHERS
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Lōvu combines technology, personalized support, and data-driven insights to help moms achieve healthier pregnancies and better outcomes.

Included Benefits:
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  • Welcome Box
  • Dedicated Care Navigator
  • Mobile App & Marketplace Access
  • Personalized Pregnancy Reports
  • Remote Monitoring

From pre-pregnancy through two years postpartum, Lōvu provides connected care, expert guidance, and ongoing support every step of the way.

EAP Mental Health

EMPLOYEE ASSISTANCE PROGRAM
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​When you need support or guidance, counseling can help. Through a network of over 11,000 therapists, our CorpCare EAP provides accessible, preventative mental health care to over 300,000 members nationwide.

You don’t need a diagnosis to use it—it’s here for everyday stress, relationship or work challenges, and difficult life events. EAP counseling helps build resilience and improve overall well-being.

Wellness Benefits
A Closer Look

Get in touch
For more information on the benefits package, program details and how much the program will save your business, complete the form below and we would be happy to provide a free, no obligation proposal, walk you through the process and answer any questions you may have.