Questions we hear on almost every call
A benefit with no net cost to anyone naturally raises questions. Here are the ones that come up most.
How can this really cost $0 for both the employee and the employer?
The plan is built on a licensed insurance funding structure that generates its own economics — rather than being priced as a traditional add-on benefit that shows up as a new line item. That structure is what allows the net premium and net cost to land at zero. We walk through exactly how that works, with your own particular information, on a plan review call together.
Where does the ~$1,100 retirement contribution actually come from?
It's funded through the plan's own design, not pulled from your existing benefits budget or the employee's pay. The exact mechanism is reviewed in detail during your plan proposal, along with the specific figures for your census.
Does this replace or change our current health insurance plan?
No. This sits alongside your existing group medical plan — it's a separate, supplemental wellness benefit, not a replacement for coverage or a relationship you already have. It is intended to be a first-choice $0 co-pay, $0 deductible alternative to the present expensive usage--or non-usage because of its cost.
How much work is this for our HR team?
Administration is designed to be minimal. Enrollment and disenrollment, employee communication materials, and ongoing administration are handled as part of the plan setup, with your HR team's involvement mostly limited to initial rollout and periodic check-ins.
What do employees actually have to do to qualify?
Enrolled employees complete proactive health actions — typically things like an annual physical or a biometric screening — the kind of preventive care that's broadly recommended anyway. Specific requirements are outlined during enrollment.
Is our company too small — or too large — for this?
The plan is built for companies with roughly 10 to 250+ employees. The best way to know is a short conversation about your headcount and current benefits setup.
Is this compliant, and who backs the plan?
The program is structured through licensed insurance carriers and administered within applicable regulatory guidelines. Indeed, it is IRS, DOL, ERISA, HIPAA, and ACA compliant. Jim is life, health, and annuity licensed and walks through the compliance structure in plain terms as part of every plan proposal.
What's the catch?
The honest answer: skepticism is a reasonable first reaction to "no cost, plus free retirement money." The best way to evaluate it isn't to take our word for it — it's to see the plan mechanics and your specific numbers on a call, and decide from there.