Employee FAQ

You receive a comprehensive package of preventive care benefits including: over 1,000 preventive care prescriptions with no out-of-pocket expense, unlimited telemedicine visits, mental health counseling, dental and vision discounts, $150,000 life insurance, $150,000 accidental death & dismemberment (AD&D) coverage, hospital bill reduction of up to 35%, health advocacy services, medical bill negotiation, and identity theft protection.

No. Your net take-home pay remains virtually the same. The program works through a pre-tax payroll restructuring under Section 125 of the Internal Revenue Code. While a pre-tax deduction appears on your pay stub, it reduces your taxable income, which lowers your income tax and FICA withholding. The result is that your net pay stays about the same while you gain comprehensive preventive care benefits.

After enrollment, you receive a prescription benefit card that can be used at participating pharmacies nationwide. Over 1,000 preventive care medications are available with $0 out-of-pocket expenses. The list includes medications for cholesterol, blood pressure, diabetes prevention, mental health, and many other preventive categories.

You have access to unlimited telemedicine visits with licensed physicians 24/7. Consultations can be conducted via phone or video. Doctors can diagnose conditions, recommend treatment, and prescribe medications when medically appropriate — all with no out-of-pocket expense to you.

No. The Preventive Care Benefits Program is not health insurance — it is a preventive care wellness program. You can participate whether or not you have health insurance. The program works alongside any existing coverage you may have (employer group plan, marketplace plan, Medicare, etc.) without conflict.

As part of the program, you receive $150,000 in group term life insurance coverage with no out-of-pocket expense to you. This coverage is effective as long as you are an active participant in the program. You can designate your own beneficiaries.

If you are hospitalized, the program includes a hospital bill negotiation service that works to reduce your out-of-pocket hospital expenses by up to 35%. Professional medical bill negotiators review your bills for errors, negotiate with providers, and work to reduce your financial obligation.

Enrollment policies vary by employer. In many cases, the program is offered to all eligible full-time employees. Because the program provides valuable benefits at no effective cost to employees, participation rates are typically very high. Check with your HR department for your company's specific enrollment policy.

Your benefits typically become active on the first payroll cycle after your enrollment is processed. Most employees have access to their benefits within 2-3 weeks of completing enrollment paperwork.

The pre-tax deduction reduces your W-2 taxable wages, which may result in a slightly lower reported income. However, since you are already paying less in taxes each pay period (which is how your net pay stays the same), this does not create an additional tax liability. The benefits you receive under IRC §105(b) are excluded from gross income and are not taxable.

The base program covers the enrolled employee. Family coverage options may vary depending on your employer's plan design. Contact your HR department or us directly for information about dependent coverage availability.

Your preventive care benefits are tied to your employment. If you leave your employer, your participation in the program and associated benefits end with your final payroll. The life insurance coverage includes a portability option that may allow you to convert to an individual policy.