PRE-TAX ACCIDENT INDEMNITY PLAN

Having coverage isn’t the same as getting care.

An additive plan that sits on top of the coverage your team already has, filling the everyday gaps with $0 telemedicine, $0 prescriptions, and 24/7 support they’ll actually use.

EMPLOYER SAVES

$621.60

per enrolled employee, a year

EMPLOYEE GAINS

$41.40

per paycheck

SETUP

5

guided steps

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01

Maximize Wellness

Remove the cost barrier to everyday care, so employees get seen, get their meds, and get support instead of putting it off.

02

Minimize Costs

Add meaningful benefits on top of your current plan without changing it, structured to support wellbeing and operational efficiency.

03

Easy to Implement

Layers onto existing coverage and systems. A concierge team supports members directly, to create low burden on your team.

01 / HOW IT WORKS

Four moving parts. One simple result.

01

Pre-Tax Premiums

Employees contribute pre-tax, lowering taxable income and the payroll taxes they owe.

02

The Care Platform

Unlimited virtual care, prescription assistance, and biometric screening, right on their phone.

03

Wellness Benefit

Ongoing participation returns a monthly wellness payment.

04

The Result

Employees get an enhanced offering. Ask us about cost containment.

Built-in accident coverage.

Every plan includes an accident policy that supplements your employees’ existing health insurance, helping cover out-of-pocket costs from a covered accident.

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  • Supplements does not replace major medical coverage
  • Helps cover accident-related expenses your primary insurance doesn’t
  • Included with the program; no separate enrollment

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The accident plan is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance.

02 / WHAT’S INCLUDED

A benefits suite for the whole family.

INCLUDEDHealth Benefits
  • Unlimited virtual urgent care with $0 co-pay. Most issues are resolved online, with prescriptions, tests, and specialist coordination.
  • Chronic condition management coordinated with a dedicated care team for joint pain, diabetes, and more, with regular check-ins and coaching.
  • Mental health support includes psychiatry, psychology, clinical support, and peer support.
  • Navigation and advocacy to support with billing, prior authorizations, referrals, and insurance.
  • Biometric facial scan measuring vitals and health-risk readings in seconds from the member app.
  • Virtual pet care with licensed vets and certified trainers, because family includes pets.
INCLUDEDSavings Benefits
  • $0 co-pay on 1,000+ commonly prescribed medications
  • 70,000+ retail pharmacies nationwide
  • Discounts on non-formulary drugs
  • Prescription assistance for medications over $200
  • No impact on your current medical claims

What to expect.

Getting started is a guided, five-step path and clients see savings in the very first payroll.

01

Initial presentation

We walk your team through the program, then run a free census and pro forma so you see the numbers before deciding.

02

Agree to move forward

Complete the Request for Coverage (RFC) and we build your plan documents.

03

Implementation calls

Kickoff & education call, practice payroll, first live run

04

Payroll

Review the first live payroll for accuracy; train on process, invoicing, and billing

05

Ongoing service

A dedicated account manager after launch for billing, enrollment, and payroll support

03 / ONE CONVERSATION IS USUALLY ENOUGH

Ready to close the gap?

We’ll run a free census and pro forma showing you what to expect from the program. Let’s build something for your team.

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