Total 360 PHP
Preventative Healthcare Program with Zero Net Cost
A transformative approach to employer-sponsored health benefits, uniting legal compliance, preventative healthcare, and corporate cost savings under one comprehensive model.
$0
Net Cost to Employer
~$1,000
FICA Savings Per Employee
$150K
Life Insurance Coverage
18-27%
Workers Comp Reduction
Comprehensive Benefits Overview
Healthcare Access
- ✓24/7 Virtual Primary & Urgent Care
- ✓Mental Health Support (Therapy, Psychiatry)
- ✓Medical Weight Loss Programs (GLP-1)
- ✓Virtual Physical Therapy & Dermatology
Reduced absenteeism, improved productivity
Preventative Services
- ✓Metabolic Health Panels (CMP)
- ✓AI-Powered Health Risk Assessments
- ✓Quarterly Health Re-assessments
- ✓Continuous Biomarker Tracking
Early intervention, reduced chronic conditions
Financial Protection
- ✓Universal Life Insurance (up to $150K)
- ✓Pre-tax funding structure
- ✓No out-of-pocket costs
- ✓Family financial security
Improved retention, enhanced recruitment
Technology & Tools
- ✓Mobile-first platform design
- ✓Wellness & Lifestyle Management
- ✓Predictive Analytics Dashboard
- ✓Secure API Integration
Easy adoption, data-driven decisions
Support Services
- ✓Dedicated Account Manager
- ✓Custom Employee Education
- ✓Quarterly Utilization Reports
- ✓White-glove implementation
85%+ adoption rates, minimal admin burden
Legal Compliance
- ✓IRC Section 105, 125, 213(d)
- ✓ERISA & ACA integration
- ✓Audit-ready documentation
- ✓Attorney-reviewed structure
Audit-ready, regulatory compliant
Financial Benefits & Savings
| Savings Category | Annual Value | Employer Cost |
|---|---|---|
| FICA Tax Savings | ~$1,000/employee | $0 (Tax savings) |
| Universal Life Insurance | Up to $150,000 coverage | $0 (Funded by savings) |
| Virtual Healthcare | $2,000-3,000 value | $0 (Included) |
| Workers Comp Premium | 18-27% reduction | $0 (Cost reduction) |
| Reduced Absenteeism | 2-4 days/employee | $0 (Productivity gain) |
| Total Program Value | $6,000-10,000+ per employee | $0 NET COST |
Ready to Transform Your Benefits?
CDC and RAND studies show preventive health programs deliver 3-to-6x ROI
Get Your Custom Proposal