Unlock Tax-Advantaged Health

Introducing the Section 125 Program

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Unlock the Power of Preventative Health

What is the Section 125 Program?

Our program utilizes a Section 125 Cafeteria Plan to deliver healthcare benefits that boost employee take-home pay while reducing payroll tax liabilities and ensuring IRS compliance.
Section 125 Cafeteria Plan

The Section 125 Program offers a comprehensive, tax-advantaged solution designed to enhance employee well-being. This program provides a suite of benefits, including Group Hospital Fixed Indemnity Insurance, virtual care, and preventive healthcare, all without disrupting existing major medical plans.

At A Glance
  • Increase Take-Home Pay: Qualified Employees can see an average increase of 4% after completion of Health Management Activities.
  • Seamless Integration: Compatible with major payroll providers and insurance carriers.
  • Expansive virtual care access.
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Prioritize Your Physical Health

We provide comprehensive healthcare services to ensure employees stay healthy and productive, offering virtual care and preventive measures for physical well-being.

Support for Mental Health

We offer mental health support services to reduce stress and boost morale, creating a supportive work environment that enhances employee performance and satisfaction.

Enhance Your Financial Health

We improve financial well-being by reducing taxable income and providing savings on healthcare costs, helping employees take home more pay and achieve financial security.
Unlimited Virtual Care
Access to healthcare anytime, anywhere, without limits.
Preventative Care
Proactive health services to keep you at your best.
Rx Benefits
Affordable prescriptions for all your medication needs.
Savings Network
Maximize savings with exclusive health-related discounts.

In today’s competitive job market, attracting and retaining top talent requires offering more than just standard benefits. That’s why our Section 125 Program provides access to high-quality, customizable health solutions, including comprehensive virtual care, extensive health benefits, and a robust savings network. Designed to meet the diverse needs of your employees, our program not   improves well-being and productivity, but also increases take-home pay through pre-tax contributions. This makes it a powerful tool for enhancing employee satisfaction and driving business success.

Primary Benefits
  • Comprehensive Virtual Care: Access virtual primary care, urgent care, dermatology, and behavioral health services. Licensed professionals diagnose, treat, and manage your health conditions online with in-person visit options.
  • Health Benefits: Includes initial health screenings, metabolic testing, and genomics screening. It covers up to 5,000 of the most prescribed medications with $0 copays for select drugs and over-the-counter medications.
  • Savings Network: Provides access to a network of savings on healthcare services and prescriptions, maximizing value for employees.
  • Increase Take-Home Pay: Boost your employees’ net pay by reducing taxable income through pre-tax health benefit contributions.
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Explore the Benefits of the Section 125 Program

Key Advantages of Implementing the Section 125 Program

Dental

Vision

Hearing

MRI

TeleVet

Diabetes

Hospital Indemnity

Universal Life Insurance

Telemedicine

Mental Health Support

Health Education

Preventative Care

Primary Care Visits

Virtual Urgent Care

Prescription Coverage

Whole Family Health Solutions

Live Medical Assistance

Virtual Primary Care

Virtual Dermatology

Virtual Behavioral Health

Licensed Therapists / Counselors

Metabolic Testing

Online Genomics Screening

Minimum Essential Coverage (MEC)

A Win for Employees and Your Business

Up to 90%

High Employee Engagement

The Section 125 program is designed to achieve up to 100% utilization, ensuring comprehensive health engagement among all employees.

Over 50%

Reduction in Prescription Costs

Significantly reduce prescription costs with $0 copays on generic and chronic maintenance medications, enhancing overall health management.

Average of 4%

Increase in Take-Home Pay

Boost employee satisfaction with increased take-home pay through reduced taxable income, benefiting both employees and employers.
Employee Benefits Overview

Experience Holistic Health Support

Our Section 125 Program offers comprehensive benefits that cover physical, mental, and financial health, ensuring your well-being and peace of mind.

Key Employee Benefits
  • Mental Health Support: Comprehensive mental health resources, including counseling.
  • Whole Family Health Solutions: Benefits extend to your entire family.
  • Preventative Care: Preventative services are a key component of the Section 125 program.
  • Prescription Coverage: The program includes coverage for a wide range of prescriptions.
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How to Get Started with Section 125 program

Your Step-by-Step Guide to Applying

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1

Initial Meeting & Presentation

Begin with an introductory meeting where we present the benefits and services of Section 125 Program. We’ll review the initial Demographic Census to understand your employee base.
2

Program Verification

Fill out the Demographic Census provided, which helps us determine program eligibility and savings for your business and employees.
3

Contracts and Agreements

Complete the necessary forms and agreements, after which our payroll coordinator will assist in setting up payroll codes.
4

Money Flow Setup

Our specialists will work with your payroll team to set up payroll codes and discuss invoicing through ACH.
5

TPA Integration and Education

We’ll finalize integration, conduct dry payroll runs, and educate your employees on their new benefits. Access to a support call center is available for any questions during and after enrollment.
Begin Your Journey

Begin with the Section 125 Program

Unlock the potential of your workforce with our Program. Our experts will guide you through every step, ensuring maximum savings while delivering top-notch health benefits. Take the first step towards a healthier, more productive workplace today.

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FAQ

Our most frequently asked questions

Find answers to your most pressing questions about our Program. Whether you’re curious about enrollment, benefits, or compliance, this section provides clear and concise information to guide you.

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How does the pre-tax funding work?

Employers and employees are responsible for federal (and often state and local) taxes on wages (i.e., FICA and FUTA). When the Section 125 program is paid with pre-tax funds, that premium cost is eliminated from the wage evaluation for both employers and employees. Because a portion of the wages is directed on a pre-tax basis to the Section 125 program premium, that portion is not subject to the taxes on wages.

Does the 2017 IRS Memo support the Section 125 Program?

Yes, the April 24, 2017 memorandum supports the Section 125 program. It confirmed the long-standing IRS rule laid out in Revenue Ruling 69-154 that governs indemnity payments, excess benefits, and the taxable reporting. The memorandum confirms the income tax treatment of benefits under the Section 125 program. Since the premium is paid on a pre-tax basis through a cafeteria plan, the claimed benefits would be subject to individual income tax to the extent that they exceed unreimbursed medical expenses.

What are the tax evaluations for the employer at year-end?

Typically, the employer will not have any tax evaluations. Once an employer pays the health insurance premium on a pre-tax basis, the evaluation is ordinarily terminated. The employer should include the pre-tax premium totals in the W-2 for each employee in line 12 DD. However, the employer is not responsible for issuing any 1099 or for involvement in any explanation of benefits or claim payments to the employees.

Will the Section 125 Program negatively impact employees’ taxes (ie. Tax Return)?

Ordinarily, it does not. Employees can still be eligible to receive earned income credits and refunds. The evaluation will be based on the pre-tax wages, the pre-tax premiums, the benefits received, and the costs incurred. These questions can all be answered directly through the Indemnity Plan Tax Advice Line.

Is health information kept confidential?

Yes, all information is kept confidential in accordance with HIPAA.

Enhancing lives through integrated health and financial security programs for a healthier tomorrow.
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