No. 01Cost
Cost direction
Traditional group health adds $7,000–$22,000+ per employee per year in cost. The PCBP generates $1,119–$1,186 per employee in savings.
[ Compare ]vs Traditional Benefits
SIMRP, side-by-side with group health.
How does the SIMRP-based Preventive Care Benefits Program compare to traditional group health insurance? Cost, coverage, compliance, implementation — laid out line-by-line.
[ 01 ]Why it differs
Four ways the structures diverge.
No. 02Care
Coverage scope
PCBP delivers preventive care, telemedicine, and $150K life. It is supplemental — not a replacement for major-medical coverage.
No. 03Code
Compliance basis
PCBP runs under IRC §105(b), §125, and ACA participatory wellness. Traditional plans run under ACA, ERISA, and state insurance laws.
No. 04Live
Time to live
PCBP implementation is 2–3 weeks. Traditional group health rollouts typically take 4–8 weeks.
[ 02 ]Side-by-side
Feature-by-feature comparison.
Comparison · 11 criteria
Feature-by-Feature Comparison
| Feature | PCBP (SIMRP) | Traditional Group Health Insurance |
|---|---|---|
01 Employer Cost | No out-of-pocket expenses | $7,000-$22,000+ per employee/year |
02 Employee Cost | No effective cost (pre-tax funded) | $1,000-$6,000+ per year in premiums |
03 FICA Tax Savings | $1,119-$1,186 per employee/year | $0 (premiums are not FICA-deductible for most small businesses) |
04 Preventive Rx | 1,000+ preventive medications, no out-of-pocket | Varies by plan; copays typically apply |
05 Life Insurance | $150,000 included | Usually separate purchase ($50-$200/mo per employee) |
06 Telemedicine | Unlimited, no out-of-pocket expenses | May include; copay often applies |
07 Implementation Time | 2-3 weeks | 4-8 weeks typical |
08 Minimum Employees | No strict minimum | Often 2-50 for small group |
09 Replaces Health Insurance? | No — supplemental program | Yes — primary health coverage |
10 COBRA Required? | No | Yes (20+ employees) |
11 Legal Basis | IRC §105(b), §125, ACA §2705 | ACA, ERISA, state insurance laws |
Source: Preventive Care Benefits Program documentation
[ 03 ]Takeaway
Not a replacement.
The Preventive Care Benefits Program is not a replacement for health insurance. It is a supplemental program that works alongside existing coverage (or independently if no coverage exists). The Kaiser Family Foundation reports that the average employer-sponsored family health plan costs $23,968 per year. For employers seeking meaningful benefits without the cost of traditional group health, or wanting to add benefits on top of existing coverage, the PCBP delivers exceptional value with no out-of-pocket expenses to the employer.
[ End ]
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