Give your employees real healthcare access — $0 copays, $1 prescriptions, and 24/7 telemedicine — while reducing your payroll tax liability. No out-of-pocket cost to your business.
High-deductible plans and rising costs are crushing employee morale and your bottom line.
Premiums climb every year while deductibles skyrocket — leaving employees afraid to use the insurance you're paying for.
Employees leave for competitors offering better benefits. Recruiting costs mount while morale stays low.
Without a structured Section 125 plan, every payroll dollar is fully taxed — leaving thousands in avoidable FICA obligations on the table.
This is the most comprehensive Section 125 cafeteria plan available — delivering real healthcare access that employees love and use, while generating meaningful payroll tax savings for the employer. Best part: Completely independent of your major medical plan. Add it anytime without disrupting current coverage.
Employees access primary care and urgent care with zero out-of-pocket copayments, removing every barrier to healthcare utilization.
Generic and formulary prescriptions available at $1, making medications affordable for every employee on your team.
Unlimited virtual doctor visits around the clock — no appointment needed, no copay, no waiting room.
Layered on top of existing coverage with zero disruption. No open enrollment coordination required.
From consultation to full implementation in just 2 weeks
Talk with a benefits specialist who analyzes your workforce and calculates your exact projected payroll tax savings — at no cost and no obligation.
Our team manages all documentation, compliance setup, and employee communication. Zero administrative burden on your HR team or management.
Employees enroll, payroll restructuring activates, and savings begin with your very next payroll run. No waiting for open enrollment periods.
See how companies like yours are saving money and improving employee satisfaction
"The implementation was seamless. Our employees love the $0 copays, and we're saving over $21K annually. Best business decision we've made in years."
"Our turnover dropped dramatically. Employees actually thank us for the benefits. The $38K savings was just the bonus."
"We've become the employer of choice in our area. Recruitment is easier, retention is up, and we're saving $70K+ annually."
We eliminate every possible risk so your decision is easy
Guaranteed Section 125 compliance with 38+ years of proven legal framework. No audit worries, ever.
Zero setup fees, no annual contracts. You start saving money from day one, not paying for implementation.
We handle everything — documentation, compliance, employee communication, ongoing administration. Zero burden on your team.
No long-term contracts or penalties. Though in 15+ years, no company has ever cancelled our program.
The implementation was seamless. Our employees love the $0 copays, and we're saving over $21K annually. Best business decision we've made in years.
★★★★★See your specific ROI in under 30 seconds
Savings estimates based on $570 per participating W-2 employee annually. Actual savings vary based on employee wages, participation rate, and applicable state tax rules. This is not tax advice.
Find answers to commonly asked questions about our program.
Schedule your free consultation and discover how much your company can save. A benefits specialist will reach out within 1 business day.
A benefits specialist will contact you within 1 business day.
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This program is structured under Internal Revenue Code Section 125 and operates as a Cafeteria Plan, allowing employees to pay for qualified benefits on a pre-tax basis. The plan is subject to the Employee Retirement Income Security Act (ERISA) and is designed to meet applicable ERISA disclosure and reporting requirements.
Coverage is provided through licensed insurance carriers and administered in compliance with the Health Insurance Portability and Accountability Act (HIPAA). Employer eligibility and employee participation are subject to plan document terms and applicable state regulations. Eligible participants must be W-2 employees. Independent contractors (1099) are not eligible.
Tax Disclaimer: Payroll tax savings estimates are illustrative only and based on standard IRS FICA rates and program assumptions. Actual savings will vary based on employee participation rates, wage levels, and applicable state or local tax obligations. This material does not constitute tax, legal, or accounting advice. Employers should consult with a qualified tax professional before implementing any benefit program.