Total 360 PHP
Virtual-first care. Tax savings. Better outcomes.
Total 360 PHP is a comprehensive Primary Health Program that combines virtual healthcare services, preventative care, and mental health support while generating significant payroll tax savings for employers through compliant plan design.
What makes it different?
Unlike traditional health benefits, PHP 360 is designed to be cost-neutral or better for employers. The program generates FICA/FUTA tax savings that typically offset or exceed program costs, while providing employees with comprehensive virtual healthcare access at no additional cost to them.
Understanding PHP 360
Ideal For
Businesses with 25+ W-2 employees looking to enhance their health benefits while reducing payroll tax burden. Particularly effective for companies with average salaries of $40,000+ where FICA savings are maximized. Works alongside existing health insurance as a complementary benefit.
Employer Benefits
- ✓Payroll tax savings
Estimated $650-$1,000 per employee annually in FICA/FUTA savings
- ✓Cost-neutral positioning
Tax savings typically offset or exceed program costs
- ✓Reduced claims costs
40% reduction in ER visits, 66% reduction in surgical claims
- ✓Workers' comp impact
Potential 18-27% reduction in premiums through prevention focus
- ✓Compliance & administration
Full program management, audit-ready documentation
Employee Benefits
- ✓24/7 virtual care access
Unlimited virtual primary care, urgent care, and mental health visits
- ✓No out-of-pocket costs
No copays, deductibles, or coinsurance for covered services
- ✓Comprehensive virtual services
Dermatology, musculoskeletal care, mental health, and more
- ✓Preventive care tools
Health risk assessments, coaching, and wellness programs
- ✓Family coverage available
Benefits can extend to dependents per employer plan design
Traditional Benefits vs. PHP 360
Traditional Health Benefits
(Cost Center)
- •Pure expense with no tax offset
- •Reactive care model - treat after illness
- •Limited access - office visits only
- •High employee out-of-pocket costs
Total 360 PHP
(Cost-Neutral / Tax Advantaged)
- ✓Tax savings offset program costs
- ✓Preventive care reduces downstream costs
- ✓24/7 virtual access from anywhere
- ✓Zero employee cost for covered services
Frequently Asked Questions
Is PHP 360 major medical insurance?
No. PHP 360 is a preventative/virtual-care benefit designed to complement traditional health coverage by making everyday care and prevention easily accessible.
How do the tax savings work?
The program uses a compliant structure under IRC Sections 104/105/106/125. Pre-tax salary reductions reduce both employee taxable income and employer FICA obligations.
What virtual services are included?
Unlimited virtual primary care, urgent care, mental health counseling, dermatology, musculoskeletal therapy, and preventive lab panels - all at no cost to employees.
How quickly can we implement?
Most implementations complete in 3-4 weeks. Our team handles all setup, compliance documentation, and employee communication.
Free Resources
Download our guides to evaluate PHP 360 for your organization.
ROI Calculator
Calculate your potential tax savings and program ROI based on employee count.
Launch CalculatorProgram Overview
Comprehensive guide to PHP 360 benefits, compliance, and implementation.
Download PDFEmployee Communication Kit
Ready-to-use materials to educate employees about their new benefits.
Download PDFGetting Started
Discovery call to review goals
Custom proposal with ROI analysis
Plan setup & compliance docs
Employee education & enrollment
Go-live with 24/7 support