Wellness / Health Management Plans

Provide Significant TAX SAVINGS at NO NET COST to Employers
Qualified Employees & their Family Gain Access to Benefits with NO REDUCTION in Take-Home Pay

 

 

Wellness programs are voluntary Self-Funded ERISA Qualified Group Health and Wellness Plans. They provide preventive and continuing services for all participating employees and their spouses while creating payroll tax savings for employers and added insurance benefits for employees. By adopting a wellness program, companies save $1000's, $Tens of Thousands, or more depending upon the size of the company. These plans are a companion to an employer's existing benefits package. It is not a replacement or substitution for existing health insurance or traditional wellness plans.

When used in conjunction with a post tax, self-funded, limited benefit indemnity medical plan, a compliant wellness program allows for a complete solution to provide tax savings today and help reverse declining employee health by providing a proactive health coaching program. This program reduces medical spending and allows employers to enhance benefit offerings with no out-of-pocket cost to the company or its employees. These long term impacts can allow self-insured groups to see a reduction in claims utilization and premium increases over time. The programs provide savings both today and in the future through a comprehensive health and lifestyle program.

Employers

No Net Cost

The employer sponsors a 125 "cafeteria" plan. Employee elects to contribute a premium through the Section 125 plan for a self-funded Health and Wellness Plan

Tax Savings

If we had a way to save you $500 to $800 per year per employee on your payroll taxes, would you be interested?...

The employee's income subject to payroll taxes is reduced by participation in the wellness plan through a Section 125 "Cafetertia" Plan. This also reduces the matching FICA tax obligations of the employer. Participating employees also purchase a post tax, self-funded, limited benefit indemnity medical plan. You save money and there is no reduction in an employee's take-home income. In addition your employees are provided with additional insurance benefits which can include accident, critical illness, cancer, hospital indemnity, and cash value life at no net cost.

The Program is valuable to employers as they continue to struggle with balancing compliance, meaningful benefits, rising premium increases, and employee satisfaction with their benefits.

Employers can save money necessary to grow their business. No changes are required in other benefit or health plans, advisors, or payroll services.

Employees

Pre and Post Tax Deductions

Each pay cycle, premiums are paid post tax by each participating employee for a limited benefit medical indemnity plan. Participating employees wages / salary are reduced to fund a wellness program offered through a Section 125 cafeteria plan. This reduction is deemed to be on a pre-tax basis and excluded from taxable income, per IRS Code Section 125 Rules.

Creating consistent healthy living habits and activities initiates a healthy lifestyle. The plan provides direct health and lifestyle coaches in fields ranging from personal training to life coaching. These coaches combined with educational material, and more provide a comprehensive corporate health management program that initiates and reinforces quality behavioral changes in your employees. (Benefits will vary based on plan selection) These behavioral changes create lasting increases in wellness and productivity for our corporate clients. Utilization of the services provided through the plan qualifies participants for a fixed indemnity claim payment.
Employee has an opportunity to participate in a wellness / health management plan. The plan benefits provide a wide range of offerings for the diagnosis, cure, mitigation, treatment, and prevention of disease. All of the plan benefits are designed to allow participants to take a proactive role increasing, managing, and maintaining their personal health. There are no net or up front costs to the employer or employee.

 

 


All it takes to receive a no cost proposal, which will show you the exact amount your company can save, is to provide us with a company census.

We offer a unique wellness plans that use preventive care to create healthy living habits. Driven by participation in healthy living activities, directed by a health risk assessment and consultation, the plans are designed to integrate and work with your medical plans to create healthier and more productive employees. These plans are the new standard in corporate wellness to provide for your business and your employees.

Discover how much your company can save and what benefits can be provided to your employees at no reduction in take-home pay.

 

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