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Supplemental Health Maintenance Plan

The Impact

Traditional health insurance costs rise every year, putting pressure on businesses and employees alike. Our healthcare enhancement program gives employers a smarter way to provide valuable benefits, reducing payroll tax liability and using those savings to improve employee’s access to care.

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Empower your workforce, and your business, with smarter healthcare solutions. Increase employee satisfaction and retention while reducing overall cost.

Deliver smarter benefits that strengthen your workforce and your bottom line. Our healthcare enhancement program helps employees access better care, while reducing your business’s FICA tax burden on payroll.

How It Works

  1. Discovery - We review your payroll and benefits structure to identify savings potential.

  2. Proposal - You’ll see a detailed analysis of projected FICA tax savings and employee benefits. 

  3. Implementation - Our team coordinates setup, employee education, and full administrative support. 

  4. Ongoing Support - We monitor performance and ensure your program continues to deliver savings.

For Your Business

Our healthcare enhancement program creates immediate and measurable value for employers by reducing payroll tax exposure and strengthening employee loyalty, all with no additional premium contribution required.

 

Business Advantages:

  • Reduce FICA Matching Obligations - Lower your FICA payroll tax liability by an average of 15% or more; increasing your cash flow every pay period. 

  • Zero Out-of-Pocket Cost - The program is fully funded through tax-efficient plan design resulting in no direct cost to the employer, or employee.  

  • Improve Retention and Recruitment - Attract and retain quality employees with enhanced benefits and no waiting period, that demonstrate your commitment to their wellbeing. 

  • Streamlined Implementation - We handle all setup, employee communication, and administration. Integrating directly with your existing payroll system. 

  • Sustainable Savings - Savings continue month after month, with reporting transparency and performance tracking to ensure lasting impact. 

For Your Employees

Your employees deserve benefits that work for them. Our healthcare enhancement adds supplemental protection and increased access to care, without raising premiums, deductibles, or copays.

 

Employee Advantages: 

  • $0 Copay and $0 Deductible - Receive essential health services without worrying about unexpected out-of-pocket costs.

  • Supplemental Protection - Works alongside any existing health insurance, adding another layer of financial and wellness security.

  • Increased Take-Home Pay - Employees typically see an increase in net pay through the program’s tax-efficient design.

  • Comprehensive Family Coverage - Benefits extend to 7 dependents and spouses at no additional cost.

  • Easy Access to Care - Immediate coverage on day one; no waiting periods, no complex paperwork.

  • Peace of Mind - Knowing they have real, usable benefits improve employee satisfaction, productivity, and loyalty. â€‹

Compliance

Our healthcare enhancement program is built for long-term sustainability and regulatory confidence. Every component is structured in alignment with federal and state requirements, ensuring a smooth fit with your existing payroll and benefits processes.

 

Key Compliance Highlights: 

  • Structured under Section 125 Cafeteria Plan guidelines

  • Fully compliant with ACA (Affordable Care Act) and ERISA requirements

  • Designed to meet FICA, FUTA, and SUTA tax code standards

  • Backed by A-rated national insurance carriers

  • Seamless documentation and reporting for audit readiness

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