Your Employees Get Benefits. Your Business Saves Money.
The Preventive Care Benefits Program gives your W2 employees 1,000+ prescriptions, telemedicine, $150K life insurance, and more — with no out-of-pocket expenses. Your business saves $1,119+ per employee per year in FICA taxes.
What Your Employees Get
A comprehensive benefits package — with no out-of-pocket expenses for you or your team. According to SHRM, 92% of employees consider benefits important to their overall job satisfaction.
1,000+ Prescriptions
Preventive care medications — cholesterol, blood pressure, diabetes prevention, mental health, and more.
Unlimited Telemedicine
24/7 access to licensed physicians by phone or video, as often as needed.
$150K Life Insurance
Group term life insurance and AD&D coverage included for every enrolled employee.
Hospital Bill Reduction
Professional negotiators work to reduce hospital bills by up to 35%.
The Part Everyone Asks About
Same Paycheck. Better Benefits.
Employees keep the exact same take-home pay. The program is funded through a pre-tax payroll restructuring — not a wage reduction. The numbers prove it:
Without PCBP
$2,456.84
Net pay
No benefits
With PCBP
$2,456.84
Same net pay
+ Full benefits
Three Steps to Savings
Implementation takes just 2-3 weeks from start to finish.
Schedule a Discovery Call
Meet with a benefits advisor to review your current payroll structure and determine eligibility. We analyze your workforce and project your exact FICA savings.
Enroll Your Employees
Our team handles all plan documentation, compliance filings, Section 125 plan setup, and employee communication. Your only task is a simple payroll code addition.
Start Saving
Begin realizing FICA tax savings on the very next payroll cycle. Employees immediately access their full suite of preventive care benefits.
How Much Would You Save?
Drag the slider. Watch the savings add up.
Monthly Savings
$2,333
Annual Savings
$27,999
Okay, What's the Catch?
We get it. This sounds too good. Here are the questions everyone asks.
“If it's this good, why haven't I heard of it?”
SIMRPs have been around for years, used mainly by large corporations with sophisticated benefits advisors. We're making the same structure accessible to small and mid-sized businesses.
“Will my employees' paychecks go down?”
No. We showed you the math — net take-home pay stays identical. The pre-tax deduction is offset by lower taxes and the WIMPER reimbursement.
“Is this some kind of tax loophole?”
Not a loophole — established tax code. The program is built on IRC §105(b), §125, and ACA participatory wellness guidelines, with IRS Chief Counsel Advisory 202323006 confirming compliant structures.
“What if the IRS changes the rules?”
These IRC sections have been in place for decades. Our program is designed and monitored for ongoing compliance. If regulations change, the program adapts.
Common Questions
The Preventive Care Benefits Program (PCBP) is a Self Insured Medical Reimbursement Program (SIMRP) that provides comprehensive preventive care benefits to full-time W2 employees with $0 out-of-pocket expenses for employers. The program is structured under IRC §105(b), §125, and ACA participatory wellness guidelines, generating average FICA tax savings of $1,119 to $1,186 per employee per year.
The program requires $0 out-of-pocket expenses from employers. There is no employer contribution required. The program is funded through a pre-tax payroll restructuring under IRC §125, which simultaneously generates FICA tax savings for the employer averaging $93.33 per employee per month ($1,119.96 per year).
When employees participate in the program, a $1,220 monthly pre-tax deduction is taken under a Section 125 cafeteria plan. This reduces the employer's FICA-taxable payroll. At the combined FICA rate of 7.65% (6.2% Social Security + 1.45% Medicare), employers save approximately $93.33 per participating employee per month, or $1,119.96 per year.
Ready to Get Started?
Schedule a complimentary 15-minute discovery call. We'll project your exact savings — no strings attached.
Save $1,119+ per employee/year