Employee Benefits
Every enrolled employee receives a comprehensive suite of preventive care benefits with no out-of-pocket expenses. These benefits are funded through pre-tax payroll restructuring, not wage reduction — employees' net take-home pay remains virtually the same.
The CDC reports that 6 in 10 adults in the U.S. have a chronic disease, and preventive care services can reduce chronic disease risk by up to 70% when utilized consistently. The PCBP puts these preventive services directly in employees' hands with no out-of-pocket expenses.
Comprehensive Benefits, Zero Out-of-Pocket Expenses
Every enrolled employee receives this full suite of preventive care benefits at $0 out-of-pocket expenses.
Preventive Care Prescriptions
Access to over 1,000 preventive care prescription medications with $0 out-of-pocket expenses, covering cholesterol, blood pressure, diabetes prevention, mental health, and more.
Telemedicine
Unlimited 24/7 telemedicine consultations with licensed physicians via phone or video with no out-of-pocket expense.
Mental Health Counseling
Access to professional mental health counseling and behavioral health support services.
Dental & Vision Discounts
Discounted dental and vision care services through a nationwide network of providers.
$150,000 Life Insurance
Group term life insurance coverage of $150,000 with no out-of-pocket expense to the employee, with beneficiary designation.
$150,000 AD&D Coverage
Accidental death and dismemberment coverage of $150,000, providing additional financial protection.
Hospital Bill Reduction
Professional medical bill negotiation services that can reduce hospital bills by up to 35%.
Health Advocacy
Personal health advocacy services to help navigate the healthcare system, find providers, and coordinate care.
Medical Bill Negotiation
Expert negotiators review medical bills for errors and negotiate with providers to reduce out-of-pocket costs.
Identity Theft Protection
Comprehensive identity theft monitoring and protection services for enrolled employees.
How Benefits Are Funded
Benefits are funded through a pre-tax payroll deduction under a Section 125 cafeteria plan. The deduction reduces taxable income, which lowers income tax and FICA withholding. The tax savings offset the deduction amount, so net take-home pay remains virtually identical.
This is not a wage reduction or salary sacrifice. It is a restructuring of how compensation is taxed, converting taxable wages into tax-free preventive care benefits.
No Health Insurance Required
The Preventive Care Benefits Program is not health insurance. Employees can participate regardless of whether they have health insurance through their employer, the marketplace, Medicare, or no coverage at all. The program works alongside any existing health coverage without conflict.
Ready to Save on Employer Taxes?
Schedule a complimentary discovery call to see how much your business can save with the Preventive Care Benefits Program.