Do You Have a Plan to Reduce Your Payroll Taxes Going Forward
and
Retain Your Best Employees?
Save $600 Per Employee
PROs
==>✅Reduce Your FICA Spend
On average, employers will save $600 per employee they currently have on payroll.
==>✅ Increase Your Employees Pay
Employees may see an extra 4% - 6% on their paychecks!
==>✅Medical Benefits For Employees
Employees can access to top tier Virtual Care, no co-pay RX, and much more.
==>✅ The program offers supplemental benefits that can be beneficial tools in recruiting and employee retention.
==>✅ Does not disrupt or replace any Major Medical Plans. It is purely an enhancement of your current benefits for all employees.
==>✅ No net cost and the admin fee is taken out of gross savings.
==> ✅ This program addresses Recruitment, Retention, and Revenue concerns that employers may have.
==>✅ Section 125 self-insured, self-funded plan that prioritizes preventative health.
==>✅ Approved by the Department of Insurance in all 50 states.
==>✅ Backed by an A+ Rated Insurance Carrier
==>✅ For More Information: CLICK HERE
CONs
Must Have 10+ W2 Employees to Qualify For This Program
Single Owner (Sole-Propriotor) Businesses may qualify with the recruitment of other businesses
Q & A
How does it work ?
Employees will see two new line items on their paycheck. The first being the pretax premium which reduces the taxable income of the employee. The second being the indemnity claim payment, for the employee being engaged in this program. The result of the two events is savings for the employer, and a net increase in pay for the employee.
Is this compliant ?
This is the only Section 125 program that is both individually approved by the Department of Insurance, and backed by an A+ rated carrier.
How do I get started ?
When you click here: Apply Now Button, you will be able to set up an appointment to talk about the benefits
Please pass this along to anyone you may think would be interested.
Recruit others and get paid, or qualify your single employee business
"It's our intention to help as many companies take advantage the Section 125 Affordable CARE Act FICA Savings.
NO ADDITIONAL COST Benefits for the EMPLOYER
- Increase Employee Take Home Pay- Average $1,500 per year, per employee- Wonderful recruiting tool
- Unlimited Primary Care Doctor/Urgent Care Visits. (Employee Only) $0 co-pay- Plan pays 100% of office visits charges through First Health Providers
- Unlimited Generic Prescriptions. (Employee Plus Family) $0-$1 co-pay- Plan pays 100% of Generic Prescriptions through retail pharmacies.
- Unlimited Telemedicine and Mental Health. (Employee Plus Family) $0 co-pay- Plan provides telemedicine to the whole family through fast and convenient access to board certified physicians 247/7/365
- 100% Preventive Care- Minimal Essential Coverage (MEC). (Employee Only) $0 co-pay- Plan pays 100% with $0 out of pocket for all preventative care exams as required by the American Cares Act (ACA)
- Personal Health Manager. (Employee Only) $0 co-pay- Plan offers Proactive Medical care which helps to identify potential health risks FREE and PRIVATE access to Personal Health Assistants
- Additional Benefits
- Attending Company Physician
- Workers Compensation Management Cost Containment Program
Benefits for EMPLOYEE
- Employees may increase take-home pay by up to $1,500 per year. Benefits begin the first month of enrollment
- Employees can access top-tier virtual care, no co-pay visits, no co-pay RX, and preventative physical/mental
Added Employee Benefits
• Hospital Indemnity Plan
• Unlimited Virtual: Primary Care, Urgent Care, Behavioral Care, and Dermatology
• Rx Benefits - 2900 of the most readily used Rx
• Saving on Vision, Hearing, Imaging and More
• Robust Dental Savings Program
• Metabolic Testing
EMPLOYER FAQ
Do I have to change insurance?
No. The Plan is a self-funded overlay program that supplements existing traditional medical insurance plans.
Do employees need to change providers or medical care?
No. Employees who voluntarily enroll in the Plan can continue to use the same providers and receive the same medical care they’re already receiving through their traditional medical insurance. The Plan can provide additional options for better quality care and cost savings as identified by the physician of record, but employees are not required to take those options.
Why did my employee’s paycheck go up?
Each pay period, a pre-tax deduction comes out of each employee’s paycheck to help fund the employer-sponsored Plan. The typical taxes are then taken from the now reduced pre-tax pay, and employees receive a post-tax benefit after participating in a monthly healthcare activity that triggers a CPT code and explanation of benefits. (Triggers are as simple as watching a video or reading an article).
In short, a lower adjusted gross income results in lower taxes, which raises an employee’s take-home pay after The Plan post-tax benefit is added to their paycheck!
How do I implement this plan for my employees?
It’s simple! Once you send us a copy of the census, we can begin to identify your potential savings per employee.
What benefits are included?
Unlimited access to Concierge’s advocate approach to health care. It’s like having a doctor available 24/7 at your beck and call.
Can we begin participating in the program at any time?
Yes, and every month you wait, you’re losing out on potential FICA savings per employee!
What prescriptions are covered?
A robust list of nearly 200 generic and brand name prescriptions is covered by The Plan, including many of the nation’s top-prescribed drugs such as simvastatin and atorvastatin for high cholesterol, amlodipine and lisinopril for high blood pressure, levothyroxine for hypothyroidism, and bupropion for tobacco cessation, as well as antibiotics like azithromycin and amoxicillin, pain management medications like gabapentin and meloxicam, and mental health medications like lorazepam and clonazepam (see formulary list for full details).
Prescriptions not on the list may also be covered at a significant discount.
Is The Plan compliant?
Yes. The Plan is a qualified Section 125 plan set up as a self-funded employer-sponsored plan that is 100% funded by employees through a pre-tax payroll deduction. The amount deducted represents the maximum claims for the policy year. The third-party administrator (TPA) holds the monies in a custodial account and pays claims as they incur in accordance to the plan document and the schedule of benefits. The definition of a claim is defined as claims made to providers, facilities, pharmacies, or employees.
Claims to employees result when an applicable CPT code is triggered with a corresponding explanation of benefits (EOB). Examples of these claims include preventive examinations, bio-metric screens, health risk assessments, and chronic medication fulfillment. Claims made to employees are neither taxable nor considered ordinary income. The amount of premium charged to employees is actuarially set to cover the claim risk on the plan while meeting a desired medical loss ratio (MLR). At the end of the plan year and the runout period, any potential surplus left in the claim account is considered a plan asset to the employer.
Does The Plan meet the definition of Minimal Essential Coverage (MEC)?
The Plan meets the definition of a MEC for the individual mandate, but is not sufficient from an employer’s perspective.
EMPLOYEE FAQ's
What does the Plan provide?
The Plan is a unique and innovative healthcare solution designed to complement primary health insurance coverage by providing an employee with unlimited Primary Care/Urgent Care visits, 100% preventive care benefits, and zero-dollar co-pays for primary care or urgent care visits. It provides for the employee important healthcare cost containment benefits, such as unlimited access to their own Personal Health Assistant. The Plan also includes for both employee and their family unlimited prescriptions for acute and prevention. Unlimited Virtual Direct Primary Care is also offered to the entire family. Finally, an employee-focused health benefits package that improves their physical AND financial well-being! No co-pays. No deductibles. No coinsurance. No worries!
The Plan was also designed to engage employees in technology specifically developed to improve their health! All an employee must do is something they already do many times a day: check their email or get on their phone for about the same amount of time as scrolling through their Facebook feed! Our technology is one of the most innovative, intuitive, and interactive Wellbeing Management applications on the market. Employees will receive a Health Score by dedicating about 10-15 minutes each month to answering personalized and interactive health assessment questions through their online portal or our Mobile App. Each month, the employee will be required to complete a personal resolution or activity to improve their Health Score!
Our goal is to help employees learn how to make healthier choices and take a more proactive approach to manage their greatest asset: their health. Employees who satisfy these assessments each month will typically receive an increase in their net take-home pay which can be used by the employee however they want to use it. We put employees in complete control of those extra dollars.
Why does the paycheck look different?
An employee will note additional line items on their paycheck because of the employee’s participation in the Plan. These line items reflect a pre-tax premium contribution to the Plan, a post-tax premium for the Plan premium, and an indemnity type benefit. What you want to compare is what your paycheck is without participating in the Plan versus adding this benefit package. Our plan design puts more money into your pocket and, in nearly every employee’s case, increases their net take-home pay every month.
How private do you keep my personal information?
Your privacy is one of our primary focuses. We are passionate about keeping your personal information safe and secure. We are HIPAA, HITECH, and GLBA compliant.
How much does the Plan cost?
The Plan is funded by the tax savings generated, so there is NO out-of-pocket cost!
Can I un-enroll from the Plan at any time?
Because the Plan is set up through a Section 125 Cafeteria Plan, the rules and regulations of IRS Sections 125 apply to our plan. Unless an employee experiences a Qualifying Life Event, an employee who enrolls in the Plan will not be eligible to make changes until the end of the plan year.
Is there a copay for the Plan virtual direct primary care benefit?
No. The virtual direct primary care benefit is a $0 copay benefit. All family members living in the home receive this benefit.
My primary health plan covers preventive care also, is this duplicate coverage?
If an employee’s primary health plan is ACA compliant, it will also cover preventive services. One of our many goals with the Plan is to drive healthcare utilization away from an employee’s primary health plan. We want employees to get better and faster care, for less money! By helping employees utilize their healthcare benefits more effectively and efficiently, we will accomplish lower costs for healthcare together. Employees that are not on the company health plan can still participate.
Think about this for a moment: the more employees use their primary health plan, the higher the claims will be on that plan. That has a direct correlation to how high premiums are. If we spread the cost of healthcare to other coverage and benefits, we can drive the cost of an employee’s healthcare down, and the employees are taking better advantage of their benefits! With the Plan, it sheds the utilization away from your primary plan.
How will I know when I need to participate?
Every month, employees will receive push notifications (messages and text reminders) and emails providing them with important information about their plan benefits and information intended to be used to help improve their health.
What happens if I do not participate?
The Plan is a voluntary plan, and as such, an employee is not required to participate. If an employee chooses not to participate, they will not be able to join the plan until the next year’s open enrollment.
For employees who choose to participate but forget, we allow assessments to be completed anytime throughout the plan year quarter plus an additional (30) days grace period. However, suppose an employee misses a month of questions. In that case, their HR department may be notified, and communication will go out to remind that employee to participate.
What benefits do I get with the Plan?
The Plan provides many benefits for employees, their spouse, and family! Here is a listing of the benefits available: (See all details on fulfillment documentation)
For Employee:
$0 co-pays for primary care and urgent care office visits
$0 co-pay for unlimited 24/7 virtual direct primary care
$0 co-pay for unlimited prescription drugs for acute and prevention
Health Coaches
Well-being management technology – innovative and intuitive software that helps employees take a proactive approach to their healthcare.
For Spouse and Family:
$0 co-pays for unlimited 24/7 virtual direct primary care
$0 co-pays for unlimited prescription drugs for acute and prevention
What types of benefits are covered under “Preventive Care”?
The Preventive Care benefits cover the services required to be covered under ACA guidelines for the employee.
What do I show the physician or urgent care office to get the $0 co-pay?
We provide all employees with an electronic ID card, available through our mobile app that can be presented at the time of service. In addition, we also send out a physical ID card that can also be presented at the time of service.
What do I show the pharmacist to get the $0 copay?
We provide all employees with an electronic ID card, available through our mobile app that can be presented at the time of service. In addition, we also send out a physical ID card that can also be presented at the time of service.
Will my Plan cover name-brand prescriptions?
The Plan covers a long list of generic and name-brand prescriptions at 100% (see the formulary list.) The plan will also cover prescriptions not on the list at a significant discount.
Are my health responses kept private?
Absolutely, we are HIPAA compliant. Employee privacy is of the utmost importance for us. As such, we take every precaution to keep all information private. No personal information is ever shared with anyone.
Information Recap
- Reduce total company FICA Tax spend
- On average save $800 per Employee Annually
- The program offers supplemental benefits that can be beneficial tools in recruiting and employee retention
How do I get started ?
When you click the "apply now button" on this page, you will be asked to set up a call with a licensed professional.
When You Schedule A Call Here's What You Can Expect...
What you will learn on the call
✅How the tax savings are generated.
✅How employees get an increase in pay.
✅What type of medical benefits are provided.
✅Why this is 100% compliant.
✅ How you can implement this program.
Once all your questions have been answered, we can get you signed up and activate the program.
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