EMPLOYER BENEFITS
Wellness and supplemental benefit solutions benefit both employers and employees. On average, employers see a net FICA tax savings of $1,100 per W2 employee per year, while employees gain access to additional pre-tax wellness benefits that supplement their existing health coverage – all at no out-of-pocket expense to either party.
How Savings Work
Net savings stem from contributing less to FICA taxes due to reduced gross income of employees. Your FICA rate of 7.65% remains the same, but is now on a lesser gross income, creating a delta in tax savings for you as the employer.
Average Savings
The net tax savings average $1,100 per W2 per year depending on the plan
chosen for you. This creates significant cost benefits while providing valuable employee benefits.
Reducing Employee Turnover
Every employer struggles with reducing their employee turnover. Implementing benefits at no out-of-pocket expenses to your employees is a great solution for employee retention. Oftentimes, it’s not financially feasible for a business owner to offer benefits, but with these plans, you are now able to do so without affecting their net take-home pay.
Major Medical Plan Impact
These plans do not disrupt your current health plans, but rather stack on top. You will not need to make any adjustments to your current benefits in place.
Employee Retention
Offering benefits without impacting take-home pay creates a powerful retention tool that helps keep your valuable employees engaged and satisfied.
FICA REDUCTION COMPLIANCE GUIDE
Medical Services Integration
The program is always paired with an ACA-approved major medical plan, forming a compliant IRC §105 Self-Insured Medical Reimbursement Plan (SIMERP). This ensures the structure meets federal requirements and provides meaningful medical benefits.
Pre-Tax Eligibility & Regulatory Compliance
Pre-Tax Eligibility
Contributions made by employers for qualifying medical
benefits are excluded from employee gross income under IRC §106(a), IRC §125, and IRC §213(d). IRS Memorandum 201703013 confirms pre-tax treatment.
Legal Foundations
Complies with IRC §§ 105(b), 106(a), 213(d), 125, 104(a)(3), 1.105-11(i), ERISA, HIPAA, and ADA regulations. Structured per ACA guidelines under 42 U.S. Code §300gg-4(j)(3)(c).
Post-Tax Reimbursements
Reimbursements for eligible medical expenses under IRC
§213(d) are not treated as wages and are excluded from gross income under IRC §105(b). Plan guidelines ensure continued compliance.
Allowance Standards
Monthly reimbursement caps follow HHS 2016 guidance on
fair market value. Only expenses tied to preventative and wellness care under IRC §213(d) are eligible.
Summary of Key Tax Code References
| Category | Relevant Codes |
|---|---|
|
Wellness |
IRC §106(a), §213(d), §105(b), ERISA, HIPAA, ADA |
|
Medical |
IRC §213(d), ACA |
|
Pre-Tax |
IRC §106(a), §213(d), §125 |
|
Post-Tax |
IRC §105(b), §213(d), 1.105-11(i), 104(a)(3) |
EMPLOYEE BENEFITS
Mental Health & Pharmacy Services
Mental Health Support
Support for your mental well-being to help you feel your best.
Pharmacy Services
Refills, renewals and savings on prescription drugs.
Urgent Care
Emergencies are inconvenient. Getting help shouldn't be.
Experience 80% faster expert medical care. Save up to 100 minutes with virtual
urgent care visits.
Member Benefits
Unlimited virtual urgent care visits per member per year. Care available
24/7/365 with rapid, same-day appointments. 94% of visits occur in less
than 20 minutes.
Conditions Treated
Allergies, Cold Sores, Conjunctivitis, Earaches, Fever and flu, Insect bites,
Lyme disease, Neck and back pain, Pink eye, Strep throat, Sinusitis,
Respiratory infections, URIs/UTIs.
Primary Care
Making exceptional primary care accessible wherever you are. Experience healthcare unique to you with expert guidance and
personalized care plans.
Member Benefits
12 virtual primary care visits per member per year and 12 visits
per covered child per year. Care available for children ages 2+.
Appointments Monday-Friday 8 AM to 5 PM ET.
Personalized Care
Option to see the same providers every time. Personalized
treatment to achieve ongoing health goals. Tailored health
strategy following annual wellness visit.
Conditions Treated: Arthritis, Allergic conditions, Blood pressure, Diabetes, GI tract issues, Hypertension, High cholesterol, Obesity and
weight management, Rashes, Respiratory conditions, and more.
Mental Health
Asking for help can be scary. Our expert mental health care isn't.
Discover mental healthcare tailored to you with expert guidance and personalized mental wellness plans.
12 Mental Health Visits
12 mental health therapy visits per member per year. 24/7 mental
health support for ages 12+. Connect with master’s level clinicians.
Rapid & Scheduled Care
Rapid appointments available for urgent needs. Scheduled
appointments for convenience. Regular follow-ups to track goal
progress.
Conditions Treated: Alcohol and drug dependency, Anxiety, Burnout, Child or elder care matters, Codependency, Daily stress, Depression, Eating disorders, Physical/emotional/sexual abuse, Relationship concerns, Work conflicts, and more.
Pharmacy & Urgent Rx
Filling prescriptions can be a hassle. We’ve made it fast & easy. More than 1/3 of Americans (37%) say they haven’t filled a prescription for
medication because of its cost.
Home Delivery
Over 1,000 medications available via home delivery. 3-5 business
days processing. Twelve free shipments/year; $7.99 per
additional shipment.
Retail Access
70+ urgent care medications available at 70,000 pharmacies. If
your virtual urgent care provider prescribes medication, pick it
up at local pharmacy at no added cost.
Weight Health
Personalized weight health support, designed for lasting results. Achieve your weight health goals with expert support every step of the
way.
Conditions Treated: Fatty Liver Disease, GERD, Heart Disease, High Cholesterol, Hypertension, Metabolic Syndrome, Obesity,
Osteoarthritis, PCOS, Sleep Apnea, Type 2 Diabetes.
Empowered Selfcare to Healthcare Starts Here
CONCIERGE SUPPORT
For any questions about your benefits you may contact us at irongate@usacapitalco.com or call 1 (877) 887-0093
Eligibility Clarification: Employees are not required to have pre-existing major medical coverage to participate in this program.
A Minimum Essential Coverage (MEC) plan is automatically included, ensuring all eligible employees can participate. Eligibility is
based solely on meeting the minimum income threshold and working 30 hours or more per week.
