When using Named Areas implicit named lines are created by appending -start and -end to the named area you have defined. They can be used in the same way as lines you have explicitly named.

Credit to gridbyexample.com for inspiring this example.

[fl_row] {
    display: grid;
    grid-gap: 10px;
    grid-template-columns: 1fr 1fr 1fr;
    grid-template-areas:
    "header header header"
    "sidebar content content";
}
[fl_row] .sidebar {
    grid-area: sidebar;
}
[fl_row] .content {
    grid-area: content;
}
[fl_row] .header {
    grid-area: header;
}
[fl_row] .overlay {
    z-index: 10;
    grid-column: content-start / content-end;
    grid-row: header-start / content-end;
    opacity: 80%; /*so you can see behind it*/
}

Header

Content

overlay