Healthcare prices that continue to rise are a problem for both employers and employees. Costs continue to rise because premiums increase, claims rise, and cost-sharing also increases. There are several ways to lower costs without compromising benefits or increasing salary expenses. When planned well, preventive health plans and care programs can make a significant difference in that situation.

The modern, fully managed option, Elevate+, combines a preventive care management program, a Self-Insured Medical Reimbursement Plan (SIMRP), and an IRS Section 125 cafeteria plan into a single, seamless service. It helps employers save money on taxes, reduce claims, and enhance the health and well-being of their workers without altering any benefits or incurring additional costs.

This blog will talk about how preventative care programs like Elevate+ can help your bottom line and your employees.

What Is a Preventative Care Management Program?

A preventative care management program (PCMP) is designed to catch health issues early, manage chronic conditions proactively, and promote overall wellness before problems become costly medical claims. These programs typically include:

• 24/7 $0 copay telehealth access (physicians, nurses, wellness coaches)
• Mental health and behavioral health support
• Chronic condition tracking
• Personalized health assessments
• Wellness dashboards with tools from trusted sources like the Mayo Clinic
  

When employees engage in preventative care, they’re more likely to stay healthy, miss fewer days of work, and avoid costly hospitalizations or emergency care. That’s not just better for your team—it’s better for your business.

Why Traditional Plans Fall Short

Many traditional benefit packages focus heavily on treatment and coverage, but do little to prevent illness in the first place. They may offer wellness add-ons, but these are often underutilized or confusing to navigate.

What makes Elevate+ different is that it fully integrates preventative care into a compliant, cost-saving structure using:

• A Section 125 framework that allows pre-tax deductions
• A PCMP that actively engages employees
• A SIMRP that reimburses for qualified medical expenses

This isn’t a traditional IRS Section 125 cafeteria plan. Instead, Elevate+ leverages Section 125 alongside newer, more impactful components to form one of the most benefit-rich, fully compliant programs available today.

How Elevate+ Reduces Employer Healthcare Costs

Here’s how the Elevate+ structure works behind the scenes to reduce employer healthcare spend, without changing existing health plans or provider networks:

1. Reduces Claims Through Proactive Care

Preventative care reduces reliance on high-cost emergency visits and unmanaged chronic conditions, which drive most healthcare costs. On average, employers using this model see $1,400 in claims savings per employee over 3 years.

2. Delivers $600+ in Annual Tax Savings per W2

Elevate+ is structured to provide approximately $600/year in FICA tax savings per participating employee. For a 100-person team, that’s about $60,000 in annual savings, with zero cost to implement.

3. Increases Workforce Productivity

Healthier employees perform better, take fewer sick days, and stay longer. Preventative care tools help boost retention and productivity, especially when paired with mental health and wellness support.

4. Costs Nothing Out of Pocket

There’s no employer expense to offer Elevate+. It requires no new budget, no disruption to current coverage, and employees see a net paycheck increase of 3–4%, roughly $100/month in take-home pay.

Employee Benefits That Drive Engagement

Preventative care only works if people actually use it. That’s why Elevate+ includes benefits employees care about:

• $0 copay telehealth (24/7 access to doctors, nurses, and mental health support)
• Mayo Clinic tools & digital wellness dashboard
• Support for spouses and dependents
• Universal Life, Disability, and Critical Illness coverage
• Mental health, addiction recovery, and counseling access

Unlike traditional cafeteria plans that require employees to pick and choose from confusing options, Elevate+ delivers a curated bundle of benefits automatically, with no paperwork or confusion.

Compliance Without Complexity

Elevate+ is not a workaround or loophole—it’s a carefully designed plan that meets IRS requirements and is managed for full legal compliance. It is built on:

• IRS Section 125 cafeteria plan framework (allowing pre-tax contributions)
• A Preventative Care Management Program that meets federal criteria
• A SIMRP that reimburses certain medical expenses under group coverage guidelines

Everything is handled automatically. Employers don’t need to change carriers, adjust current plans, or spend time administering the program.

The Quiet Advantage That Grows Over Time

Over 40,000 employees have already joined Elevate+, and the number keeps rising as more companies seek cost-effective solutions to support their teams.

The Elevate+ model is designed to be a quiet win: it runs in the background, improves outcomes, and delivers measurable tax savings every year. It doesn’t require a campaign to roll out or complicated changes to HR systems. Within 30–45 days, most businesses are fully up and running.

A Modern Approach to Benefits

If your company is looking for a modern alternative to traditional IRS Section 125 cafeteria plans, Elevate+ offers a better way forward. It simplifies compliance, delivers real savings, and empowers employees without trade-offs.

• Give more. Spend nothing.
• Modernize your benefits.
• Support families without touching their take-home pay.
  

Ready to Elevate Your Benefits Strategy?

Let us show you how Elevate+ can reduce healthcare costs, boost employee satisfaction, and create long-term financial health for your business.

Get a free proposal today or book your 10-minute consultation