Reduced utilization on your existing health plan
Employer payroll tax savings
Employee access to high-frequency benefits
Pre-tax employee reallocation
High-value benefits they actually use:
Labs through Quest Diagnostics
Prescription Access + Discounts
Mental Health Counseling
Health Concierge & Navigation
Guaranteed-Issue Whole Life Insurance
High-value benefits they actually use:
Labs through Quest Diagnostics
Prescription Access + Discounts
Mental Health Counseling
Health Concierge & Navigation
Guaranteed-Issue Whole Life Insurance
Measurable payroll tax savings
Reduced utilization on existing medical plans
Stabilized long-term claims pressure
No increase to the employer budget
Health Concierge & Navigation
Improved retention due to better perceived benefits
Measurable payroll tax savings
Reduced utilization on existing medical plans
Stabilized long-term claims pressure
No increase to the employer budget
Health Concierge & Navigation
Improved retention due to better perceived benefits
Gain cost control without cutting benefits
Improve care access for employees
Predictable, stable benefit spend
Works with all major carriers
Simple onboarding and employee education
Most employers end up net-positive financially

Implement the compliant Section 125 structure
Employees enroll through guided onboarding
Employer payroll tax savings begin
Employees receive supplemental care + life insurance
Existing medical plan experiences reduced utilization
Confirm eligibility.

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