Business Owners with W2 Employees:
how you can grow your cashflow $650-$850 per employee, per year
with our Fully Insured healthcare indemnity plan
With no net implementation cost & without changing your existing programs
Change Healthcare from a Company Cost Center to a Profit Center
Employers save $600 - $850 per employee annually in FICA taxes
Net take-home pay increase 3% - 6% for employees
Works with any healthcare/wellness plan regardless if you have one or not
What client say about us
Book a Call with our Principal
Bruce Mack
A Section 125 fully insured fixed indemnity program to enhance recruitment, retention, and revenue—fully approved and underwritten by an A+ rated carrier.
Our employees enjoy access to several different benefits and the added bonus of the increase in take-home pay. Healthcues has been a total win, win for our company and our employees.
We have multiple locations throughout California, Missouri, and Georgia with approximately 2,000 participating employees each month.
– Kevin, 2000+ Employees
Adept HR
Partnering with Healthcues has impacted our organization in more ways than we can count. During these pressing times, having the ability to offer a preventative healthcare platform has significantly impacted all 400+ employees across the organization. Since the beginning, execution of this platform has been seamless and effortless.
– Chris, 400+ Employees
LeCornu Familv Restaurants
Additional Employer
Benefits
Estimate Annual average tax savings between $600 to $850 per employee per year
Decreasing Turnover while Increasing Retention and Recruitment
Approved by all 50 State Departments of Insurance
Carrier Approved A+ A.M. Best Rated
Additional Employee
Benefits
3% - 6% Employee Net Take-Home Pay Increase
Hospital Indemnity Plan
Unlimited Virtual Care: Primary Care, Urgent Care, Behavioral Care, Dermatology, and Veterinary
Rx Benefits - Zero Out of Pocket on Over 5,000 Rx
Savings on Vision, Hearing, Imaging, Rx, and More
Shared Benefits: Employer & Employee
Extremely effective recruiting & retention tool - resulting in lower turnover and rehiring costs
Giving/receiving access to additional benefits
Becoming the Employer of Choice in your vertical
Increasing employees' take-home pay: between 3% - 6% increase
This includes a preventative health and disease management program that does not disrupt or replace current insurance offerings
We focus on promoting health, before it becomes an insurance issue
Zero Out of Pocket Cost to Employer & Employee
Frequently Asked Question
What is the Section 125 fully insured fixed indemnity program?
Our Section 125 program is a fully insured healthcare solution underwritten by an A+ rated, $11 billion carrier. It enhances recruitment, retention, and revenue by providing comprehensive medical care benefits to your W-2 employees, all with no out-of-pocket cost for you or your employees. The program is IRS-compliant and registered with all state Departments of Insurance.
How does the program help employees increase their take-home pay?
By participating in this program, employees can see a net pay increase of 3% to 6%. This boost in take-home pay comes from tax savings, and employees enjoy enhanced benefits without any additional payroll deductions.
What kinds of healthcare benefits do employees receive?
Employees and their families gain access to a variety of benefits, including:
Unlimited virtual care (Primary Care, Urgent Care, Mental Health, Dermatology, Veterinarian services)
DNA screenings, health coaching, biometric screenings, and personal health trainingA hospital indemnity plan that pays up to $1,000 per day directly to the employee (up to 30 days)
Free prescription medications with no copay for over 200 commonly prescribed medications and OTC options
Discounts on vision, hearing, imaging, lab tests, and more
All these benefits are provided at zero out-of-pocket cost to employees.
How does the program benefit employers financially?
Employers save between $600 and $850 per employee annually through reduced FICA payroll taxes. Additionally, the program helps reduce hiring, onboarding, and training costs by increasing employee satisfaction and lowering turnover. This all comes at no cost to employers, and they can maintain their current benefits plan while adding these valuable enhancements.
Do I need to replace my current health plan?
No, this program works alongside your existing health plans, allowing you to increase your total benefits package without needing to make any changes to your current coverage. You’ll simply be adding additional benefits that both you and your employees will appreciate.
What about legal protections for my business?
Our program includes a workplace grievance resolution hotline designed to protect employers from employee claims. Since 2018, over 120,000 employees have been covered by this program, resulting in zero lawsuits for participating employers.
What’s the process for getting started?
It’s simple! Start by booking a free consultation with one of our experts. We’ll walk you through the program, and once you're ready, we’ll review a redacted payroll census to prepare a custom proposal. After a second call to review the details, we’ll begin implementation—providing your employees with valuable benefits and helping you save on payroll taxes.
Is there any cost to participate in this program?
No, there’s no out-of-pocket cost for either the employer or the employees. The savings from payroll tax reductions cover the cost of the program, making it a win-win for everyone involved.
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