PRogram highlights:

We Specialize in Enterprise Companies

• Currently onboarding a Fortune 10 company and several Fortune 100.

• 300,000+ employees enrolled so far.

• Minimum qualification: Employers with 10+ full-time (30+ hours a week), W-2 employees.

  (Schools, municipalities, and non-profits are eligible, too)

Guaranteed IRS Compliance

• Backed by a legal protection plan guaranteeing 100% IRS compliance provided by a renowned law firm of 35 years.

• Law firm certifies HIPAA, ACA and IRS compliance before implementation.

• Participatory Medical Expense Reimbursement Wellness Plan (SIMERP), compliant with IRS codes 125, 213, and 105.

• Administered by one of the largest TPA's on the east coast, currently insuring over 1M policy holders.

• 20+ year old provider with award-winning, predictive illness AI technology certified by Intel/GE.

Our No-Net-Cost Supplemental Preventative Care Benefit:

• Funded by real-time tax savings requiring zero out-of-pocket expense.

• Reduces payroll taxes by $50 per employee per month.*

• Increases employee take-home pay by $75 - $150 per month.*

• Reduces employer healthcare costs.

• Includes a long list of additional, supplemental benefits including 24/7 telemedicine for the entire family, AI-driven wellness technology, urgent care and prescription benefits, and an assortment of valuable preventative care and wellness benefits.

• Keep your current healthcare providers. It does not interrupt, interfere, disrupt or replace any existing employee healthcare plans. (It's supplemental)

* Average Results

Example: A 10,000 employee company saves about $500,000/month

Onboarding

• No setup cost. No net cost. Creates a net positive by offering it.

  (Our small admin fee is covered by real-time tax savings, too)

• Simple, automated onboarding.

• Minimal HR involvement needed.

• Compatible with all payroll vendors. (Paychex, Paycom, ADP, etc.)

• Benefits, increased take-home pay, and payroll tax savings occurs on the next pay period.

The SIMRP Represents A Compliant Preventative Care Program Distinct From Typical Wellness Programs.

The Distinction Is Crucial As It Involves Compliance With IRS Regulations And

The Affordable Care Act (ACA).

What Do the IRS & CPA's Say?

Medical care reimbursements paid for an employee under an employer’s self-insured medical reimbursement plan aren’t wages and aren’t subject to social security, Medicare, and FUTA taxes, or income tax withholding.

— IRS Pub 15, 2024 Employer’s Tax Guide

The ACA increased incentives for employers to adopt self-insured healthcare programs. More focus is being placed on consumer based approaches with an emphasis on preventative care. One approach is to establish a SIMRP program.

— The CPA Journal

(Opportunities For Tax And Cost Savings)

The program saves employers money due to a reduction in FICA taxes paid because the amount elected by the employee to be contributed to the plan is not considered to be wages and therefore not taxable for Social Security purposes.

— The CPA Journal

(Opportunities For Tax And Cost Savings)

The Platform Can Provide Additional Savings Through A Reduction In Paid Time Off As A Result Of Healthier Employees.

We save Businesses an average of $650 per employee, per year!

THE SIMRP

The SIMRP, combined with a Section 125 Plan and a comprehensive plan document, establishes a compliant framework for reimbursing premiums for 213(d) eligible benefits.

Structured as an ADA, ERISA, HIPAA, and IRS-compliant model, the SIMRP is designed to achieve cost savings while ensuring legal integrity. It stands apart from non-compliant wellness programs, focusing on genuine preventive care and wellness through a legally sound structure that strictly adheres to IRS and ACA regulations to foster employee health and financial wellness​.

Employer Benefits

Major Medical Savings

Offer an Enhanced Benefits and Employee Assistance Program to Reward Loyalty, Reduce Absenteeism, Lower Turnover, & Attract Quality Talent.

Tax Savings

Most Companies See an Average Savings of $650/Employee per Year (net fees). This is Not an End-of-Year Write-Off, See Savings Immediately!

Reduced HR Burden

Plan Administration is Provided as Well as a CPA Team, and TPA for Billing Ease.

Improved Productivity

No Cost To Your Company

Reduction in Major Medical Premiums. Average of $1,400 per Employee Per Year Over 3 years.

All Program Costs are Funded by Tax Savings. Expected Employer Savings is Net All Program cost.

Employee Benefits

Supplemental Benefits

• Unlimited Telehealth Benefits

• Virtual Care

• Critical Care

• Prescription Medications

• Hospitalization Benefits

  and more!

Financial Benefits

Increase take-home pay of $75-$200/month

Wellness Benefits

The SIMRP’s wellness benefits offer employees extensive support through preventative services designed to reduce healthcare costs. Employees can lower out-of-pocket expenses by using $0 copay services within the wellness plan, including counseling, health coaching, and virtual care.

Participation in these services not only mitigates future diagnoses and illnesses but also promotes overall well-being. Additionally, employees can access supplemental benefits like accident and critical illness coverage, enhancing their health and financial security without impacting their take-home pay.

THE SIMRP

Wellness Wealth Saving Plan

The SIMRP is designed as a continuous, scalable savings model, offering employers sustainable tax benefits while enhancing employee health and financial well-being. By leveraging both Section 125 and Section 105(b) structures, the plan enables tax-free reimbursements for essential health services, reducing major medical expenses and improving care accessibility.

With projected tax savings of approximately $650 per employee annually and enhanced wellness options, SIMRP delivers a compliant, no-net-cost solution that aligns with IRS and ACA standards, creating lasting financial advantages for businesses and employees alike.