The Pre-Tax PlaybookThe employer's briefing on Section 125 benefits

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Book a 15-minute Fit Call

A short call to see whether the program fits your workforce. No pitch deck. We'll tell you plainly if it doesn't fit.

Required federal noticeFixed indemnity insurance

IMPORTANT: This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.

  • The payment you get isn't based on the size of your medical bill.
  • There might be a limit on how much this policy will pay each year.
  • This policy isn't a substitute for comprehensive health insurance.
  • Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

  • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member's job, contact the employer.

Questions about this policy?

  • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."
  • If you have this policy through your job, or a family member's job, contact the employer.

What we'll cover

  • Your headcount, states and how your workforce is paid (hourly, salaried, W-2 vs 1099)
  • Whether your people are likely to qualify, and roughly how many
  • The IRS lines, fees and documents to review with your own counsel
  • Next step, if any: a census-based estimate with every assumption shown

Helpful to have: approximate employee count, average hourly wage, and your payroll provider. Please don't share employee health information.

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