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

Effective date: November 13, 2026 · Last updated: November 12, 2026

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.
Template, pending legal review. This page is a working draft prepared for Pre-Tax Playbook, a division of Seven16 Group LLC. It must be reviewed by qualified counsel before the site launches publicly.

1. Agreement

These Terms of Use (“Terms”) govern your use of pretaxplaybook.com and its pages, forms, downloads and communications (the “Site”), operated by Pre-Tax Playbook, a division of Seven16 Group LLC (Seven16 Group LLC, a Wyoming limited liability company). By using the Site you agree to these Terms and our Privacy Policy. If you use the Site for a company, you confirm you're authorized to accept these Terms for it. The Site is intended for business users who are at least 18.

2. Who we are

The Site is an independent marketing and lead-generation site explaining a Section 125 pre-tax fixed hospital indemnity program offered through Elysian Healthcare LLC. It isn't Elysian's official website or the website of any insurance carrier. We review requests and may introduce qualified businesses to the program provider or a licensed insurance producer.

Pre-Tax Playbook is a lead-generation and educational resource. We are not an insurance company or agency and do not sell insurance; qualified inquiries may be referred to licensed providers.

3. Not insurance, tax or legal advice

Content on the Site is general information. It is not an offer to sell insurance, not a binding quote, and not tax, legal, accounting or benefits advice. Coverage is subject to the policy's terms, limitations and exclusions, is issued by the licensed carrier named in your policy documents, and may not be available in all states. Fixed indemnity insurance is not health insurance (see the federal notice on each page). The IRS has published positions on fixed indemnity arrangements paid pre-tax, so review plan documents with your own tax advisor and counsel before acting.

4. Estimates, examples and footnotes

Calculators, pay-stub examples and savings figures are illustrations based on stated assumptions and on materials from the program provider. They don't guarantee or promise any savings or take-home pay. Actual results depend on your census, plan design, fees, claims and how tax rules apply to you. We cite sources so you can check them, but we don't guarantee that third-party information is complete or current.

5. Your submissions and communications

You agree that information you submit is accurate and that you're authorized to share it. Don't submit health or medical information about yourself or your employees. By submitting a form and checking the consent box, you agree that we may contact you about your request by email or phone as described in the Privacy Policy. You can opt out of marketing email at any time using the unsubscribe link.

6. Acceptable use

Don't misuse the Site. That means no unlawful use, no attempts to gain unauthorized access, no interference with the Site or its security, no submitting false information or someone else's, and no automated form submissions. Automated reading of public pages for search indexing and research is welcome, subject to our robots.txt. Please cite the Site when you rely on it.

7. Intellectual property

The Site's text, design, graphics and compilation are owned by Seven16 Group LLC or its licensors. You may quote short excerpts with attribution and a link. Illustrative photographs were created for the Site and don't depict real employees or clients. Trademarks belong to their owners, and mentioning them doesn't imply endorsement.

8. Third-party sites and services

The Site links to third-party sites (for example, government and law-firm sources) and uses third-party services such as Calendly for scheduling. We aren't responsible for third-party content or practices, and their own terms and privacy policies apply.

9. Disclaimers

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SEVEN16 GROUP LLC AND ITS MEMBERS, MANAGERS AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR TAX SAVINGS, ARISING FROM YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions don't allow these limits, so they may not apply to you.

11. Indemnity

You agree to indemnify and hold harmless Seven16 Group LLC from claims arising out of your misuse of the Site or violation of these Terms.

12. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. The state and federal courts located in Parker County, Texas have exclusive jurisdiction and venue, except where the law of your residence requires otherwise.

13. Changes

We may update these Terms by posting a new version here. If you keep using the Site after a change, you accept the updated Terms.

14. Contact

Pre-Tax Playbook, a division of Seven16 Group LLC, 325 Adams Drive #504, Weatherford, TX 76087. General inquiries: hello@pretaxplaybook.com. Privacy: privacy@pretaxplaybook.com.