Compliant Tax Savings Wellness Program at $0 Net Cost
Whole-family medical benefits, employee take-home pay growth, and employer tax savings — without replacing, competing with, or interfering with existing health insurance plans.
$0 Virtual Primary Care and Urgent Care
$0 Virtual Mental Health
$0 Prescriptions for 1,000+ maintenance medications
Employee normally sees 2%–4% take-home pay increase
Employer saves about $640 per enrolled employee per year
Why Employers Choose This
01
Whole Family Medical Benefit
Comprehensive coverage for employees and dependents, including primary care, urgent care, and mental health services.
02
Employee + Employer Tax Savings
Maximize payroll efficiency with tax-advantaged benefits that reduce FICA and FUTA tax exposure for the business.
03
$0 Net Cost Core Program
Zero net cost for employees. Employers only pay for the value of the benefits, creating a win-win for the entire workforce.
04
Easy to Add Alongside Coverage
Designed to complement existing health insurance plans without replacing them, ensuring seamless integration.
Medical Benefit
Financial Benefit
Whole Family Benefit
Employee: $0 Virtual Primary Care & Urgent Care
Employer: $0 Virtual Mental Health & Pharmacy
Employee Take-Home Pay
Employee: 2%–4% increase in net take-home pay
Employer: Tax savings from FICA/FUTA exposure
Employer Annual Savings
Employee: $0 primary care, urgent care, mental health
Employer: $640 per employee per year
Program
Structure
Employee: No out-of-pocket cost for maintenance meds
Employer: Level-funded or self-funded renewal savings
Compliance Note
Employee: Does not replace existing health insurance
Employer: Tax-advantaged benefit strategy
Medical Benefits for the Whole Family
A comprehensive suite of clinical services and wellness programs designed to enhance employee health while providing significant tax advantages for employers.
Virtual Primary Care
Access U.S.-trained, board-certified providers for 1–3 day appointments. No out-of-pocket costs, no waiting rooms, and seamless integration with your existing health plan.
Urgent Care
24/7 nationwide access with consultations within minutes. Immediate clinical support without the overhead of traditional ER visits.
Pharmacy Solutions
1,000+ maintenance medications and 70+ acute meds covered. Home delivery options and a discount card for non-formulary prescriptions.
Mental Health
24/7 clinical support and master’s-level clinician access. Routine appointments within five days, coordinated by dedicated care managers.
Weight Health
Physician supervision and provider oversight for eligible weight-loss medication support. Personal coaching and lifestyle management.
Executive Financial Benefit Strategy
Our program leverages tax-advantaged payroll structures to create immediate value. By providing medical benefits through a tax-sheltered benefit strategy, we ensure that both employees and employers see a direct financial uplift without increasing the burden on existing payroll.
Executive Summary
Payroll Tax Advantage
2%–4% take-home pay increase
Benefit Sheltering
Reduced FICA and FUTA exposure
Level Funded & Self funded plans
Unrealized renewal savings
Employer Impact
~$640 annual tax savings
Employee Value
Enhanced net take-home pay
Compliance
Full IRS and ACA compliant
BENEFIT AREA
EMPLOYEE IMPACT
EMPLOYER IMPACT
Payroll Tax Advantage
2%–4% take-home pay increase
About $640 annual tax savings
Medical Access
$0 primary care, urgent care, mental health
Added value without replacing coverage
Prescriptions
Lower medication cost burden
Stronger retention and benefit value
Weight Management
Discount GLP-1 with coaching
Expanded wellness offering
Program Structure
Whole-family support
Tax-efficient benefit strategy
Payroll Savings Illustration
Sample Illustration
Current
Gross Pay
$50,000
Pre-Tax Deductions
$1,000
Taxable Income
$49,000
Total Withholding
$11,200
Net Take-Home Pay
$37,800
Proposed
Gross Pay
$50,000
Pre-Tax Deductions
$1,000
Taxable Income
$49,000
Total Withholding
$10,400
Net Take-Home Pay
$39,600
Differential
+ $1,800 Annual Net Increase
Employee take-home pay normally increases while the employer reduces payroll-related tax burden.
Common Questions
Does this replace our health insurance?
+
No. This program is designed to complement your existing coverage, providing tax-advantaged benefits without replacing your primary health insurance plan.
Who benefits from this program?
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Employees benefit from increased take-home pay and access to premium medical services. Employers benefit from significant tax savings and improved workforce retention.
What medical benefits are included?
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The program includes $0 Virtual Primary Care and Urgent Care, $0 Virtual Mental Health, Pharmacy Solutions for 1,000+ maintenance medications, and Weight Management coaching.
Are prescriptions included?
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Yes. We provide access to a comprehensive formulary of medications, including home delivery for non-formulary needs, ensuring employees never pay out-of-pocket for prescriptions.
What do employees usually save?
+
Employees typically see a net increase in take-home pay of 2% to 4% annually, depending on their specific payroll deductions and tax structure.
What do employers usually save?
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Employers typically save about $640 per enrolled employee per year, which translates to approximately $53 per month in payroll tax reduction.
Weight Management Pricing
Medication Type
Monthly Cost
Oral Contrave
$99
Oral GLP-1
$85 (MOA) / $165 (Ongoing)
Injectable GLP-1
$90–$210
Injectable Tirzepatide
$155–$400
Eligible members receive physician oversight, clinical monitoring, and personalized coaching support to ensure safe and effective weight management.