No. 01Included
Rx
1,000+ Preventive Prescriptions
Cholesterol, blood pressure, diabetes prevention, mental health, and more — covered with no copay.
Volume 01 — Preventive Care Benefits Program
IRC §105(b)IRC §125ACA §300gg-4
Your employees get benefits. Your business saves money.
The Preventive Care Benefits Program gives 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.
W2 Employees Eligible
100–500
ideal range
Out-of-Pocket
$0
employer cost
Prescriptions Included
1,000+
preventive care
Group Life Insurance
$150K
per enrolled
01
IRS-Compliant Structure§105(b)
02
ACA & ERISA Aligned§300gg-4
03
2–3 Week ImplementationTurnkey
04
Employers Nationwide50 States
[ 01 ]Coverage
Comprehensive care, delivered at the payroll level.
A complete benefits package — with no out-of-pocket expenses for employer or employee. According to SHRM, 92% of employees consider benefits important to their overall job satisfaction.
No. 02Included
Tm
Unlimited Telemedicine
24/7 access to licensed physicians by phone or video, as often as employees need.
No. 03Included
Li
$150K Term Life + AD&D
Group term life insurance and accidental death coverage included for every enrolled employee.
No. 04Included
Hb
Hospital Bill Reduction
Professional negotiators work to reduce hospital bills by up to 35% on behalf of employees.
[ 02 ]The Math
Same paycheck. Better benefits.
Employees keep the exact same take-home pay. The program is funded through pre-tax payroll restructuring — not a wage reduction. The numbers prove it.
Without PCBPStub A
Gross pay$3,293.33
Federal tax−$395.20
State tax−$189.36
FICA−$251.93
Net Pay$2,456.84
No benefits included
With PCBPStub B
Gross pay$3,293.33
SIMRP pre-tax−$1,220.00
Taxes (lower)−$527.76
WIMPER reimbursement+$1,220.00
Net Pay$2,456.84
Full preventive benefits + $93/mo employer FICA savings
[ 03 ]Process
Three steps from enrollment to savings.
Implementation runs 2–3 weeks end-to-end. Our team handles compliance, documentation, and onboarding so you don't have to.
- 01Day 0
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.
Step 01 - 02Days 1–14
Enroll Your Employees
Our team handles plan documentation, compliance filings, Section 125 plan setup, and employee communication. Your only task is a simple payroll code addition.
Step 02 - 03Day 21
Start Saving
Begin realizing FICA tax savings on the very next payroll cycle. Employees immediately access their full suite of preventive care benefits.
Step 03
[ 05 ]Live Estimate
Drag to project your FICA savings.
Figures based on the average $1,119.96 annual employer FICA savings per enrolled W2 employee. Actual savings depend on payroll structure.
W2 EmployeesRange 5 — 500
75↓ adjust
5100250500
Monthly$7,000
Annual$83,997
Five-Year$419,985
[ 04 ]Skepticism
Okay — what's the catch?
We get it. This sounds too good. Below are the four questions every CFO, HR director, and skeptical owner asks first — answered straight.
Q.01
"If it's this good, why haven't I heard of it?"
A.
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.
Q.02
"Will my employees' paychecks go down?"
A.
No. The math is clean — net take-home pay stays identical. The pre-tax deduction is offset by lower taxes and the WIMPER reimbursement.
Q.03
"Is this some kind of tax loophole?"
A.
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.
Q.04
"What if the IRS changes the rules?"
A.
These IRC sections have been in place for decades. Our program is designed and monitored for ongoing compliance. If regulations change, the program adapts.
[ 06 ] Custom Projection
Get a personalized
savings projection.
Enter your work email and headcount. We'll send a custom projection for your business within 24 hours — no sales call, no obligation.
[ 07 ]FAQ
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.
[ 08 ]Library
Dig deeper.
Read the blogGuide01 / 3
What is a SIMRP?
The tax structure behind the program — how IRC §105(b) and §125 create savings.
Read
Comparison02 / 3
PCBP vs. Traditional Benefits
Side-by-side comparison with conventional group health insurance.
Read
Comparison03 / 3
PCBP vs. No Benefits
What a business leaves on the table without a structured benefits program.
Read
[ End ]
Ready to save on employer payroll taxes?
Schedule a complimentary 15-minute discovery call. We'll project your exact savings — no strings attached.
[ Live Estimate ]
$1,119 · per W2 employee · per year