Does this affordable healthcare program benefit your company?
We help employers strengthen benefits, reduce eligible employee out-of-pocket healthcare costs, improve retention, and create payroll-tax efficiency—without replacing current health insurance.
Optimal Benefit Advisors connects employers with vetted program partners and benefit structures designed to serve employees and the bottom line.
Finding Gaps. Strengthening Benefits. Improving the Bottom Line.
Increase your benefits
Add usable care, wellness, and prescription value.
Increase your retention
Strengthen the employee value proposition.
Improve take-home pay
Create an opportunity for eligible employee financial value.
We evaluate what you already have, identify what may be missing, and determine whether there is a better way to serve both your employees and your bottom line.
The first conversation centers on the employer, the workforce, the current benefits, and the business objective—not a predetermined product.
Our role is to find the gaps, test the opportunity, and connect the employer with the right vetted solution when a stronger path exists.
Our mission is to help employers get more from their benefits by first understanding what they already have. We identify benefit gaps and financial inefficiencies, then determine whether opportunities exist to strengthen employee benefits, improve employee financial well-being, and create greater value for the employer.
The featured program is designed to help employers strengthen benefits, reduce eligible employee out-of-pocket healthcare costs, improve retention, and create payroll-tax efficiency—without replacing current health insurance.
A supplemental preventative healthcare program
Structured through a Section 125 cafeteria plan and a SIMERP / Section 105 reimbursement model
Built to work alongside an employer’s existing major medical plan
Focused on preventative care, virtual care, mental-health support, and covered prescriptions
Designed to improve value for employers and eligible employees
A replacement for the employer’s current health insurance
A cost-shift strategy that simply moves expense to employees
A payroll gimmick or tax workaround
A program that should create ongoing administrative friction for HR
The right fit for every employer
Virtual Primary & Urgent Care
Convenient access to eligible care—wherever employees are.
Mental Health & Wellness Support
Confidential resources that support emotional well-being.
1,000+ Covered Medications
More than 1,000 maintenance and acute medications may be available under program terms.
More Take-Home Pay
Eligible employees may see an increase in take-home pay through the applicable program structure.
Better Preventative-Care Access
Support for routine and preventative care that helps employees stay healthier.
Potential Payroll-Tax Savings
The applicable structure may reduce employer FICA and payroll-tax obligations.
Improve Retention & Satisfaction
Stronger benefits can help employers attract, support, and retain talent.
Enhance Benefits Without Replacing Coverage
Add meaningful value without disrupting the current major medical plan.
Claims-Redirection Opportunity
For self-funded employers, eligible services may help reduce downstream claims.
Turnkey Implementation
Ongoing support across payroll, employee education, enrollment, and compliance.
A structured process connects the benefit design, reimbursement model, employer economics, employee value, and implementation support.
Eligible employees elect the benefit through the applicable pre-tax plan structure.
The plan reimburses eligible preventative healthcare expenses under its terms.
The qualified structure may reduce taxable payroll for employers and employees.
Employers pursue savings while employees gain stronger benefits and financial value.
The selected program is coordinated across payroll, education, enrollment, and review.
Designed for practical implementation: the selected solution is coordinated with employer leadership, payroll, employees, and the applicable compliance resources.
Start the conversationThese sources help employers and their qualified advisors examine the benefit and tax questions behind each recommendation.
Employer guidance on cafeteria plans and accident-and-health benefit exclusions.
IRS analysis of certain wellness payments and unreimbursed medical expenses.
Professional discussion of workplace wellness and medical reimbursement structures.
Enter one workforce estimate to reveal two separate annual-savings solutions. Each option uses its own per-enrolled-employee assumption, and the totals are never combined.
Employer impact model
One input set. Two standalone answers.
Calculated answers
Based on approximately 94 enrolled employees.
Option 1
$653 annual savings per enrolled employee
$61,382
Positive annual employer savings using the standalone $653 assumption.
Option 2
$1,186 annual savings per enrolled employee
$111,484
Positive annual employer savings using the standalone $1,186 assumption.
Options 1 and 2 are separate solutions. Their totals are not added together. An employer-specific analysis confirms eligibility, enrollment, wages, plan design, payroll treatment, fees, and applicable professional review.
Optimal Benefit Advisors evaluates each opportunity on its own merits so employers can compare employee value, employer economics, and implementation needs clearly.
May include eligible virtual care, behavioral-health resources, preventative support, covered prescriptions, and a program-specific employer payroll-tax impact analysis.
May include preventative care, virtual support, counseling, generic prescription support, hospital-bill advocacy, selected voluntary benefits, and a separate annual employer-savings impact analysis.
Understand the program, employee value, employer value, and information needed to begin.
A short conversation could lead to stronger benefits, happier employees, and meaningful tax-saving opportunities.
Potential results vary based on employer eligibility, workforce demographics, payroll structure, existing benefits, participation, and the selected solution. Optimal Benefit Advisors is an independent brokerage and advisory firm. See Terms & Disclosures.