Rubicon Cost Reduction:

Navigating Savings, Empowering Growth

Enhance Employee Benefits While Boosting Your Bottom Line...

Smart Technology for Better Health

Imagine giving your employees the tools they need to stay healthy, manage their healthcare, and tackle health challenges head-on. With advanced smartphone technology, they can do just that. Wouldn't it be great to offer something that truly makes a difference?

Save on Payroll Taxes—Year After Year

What if your company could save $573.60 per employee every year on payroll taxes? With this plan, classified as a pre-tax deduction under IRS Section 125, that’s exactly what you can do. Plus, if you’re in California, you might also see savings on Workers Comp premiums. How much could these savings benefit your bottom line?

More Money in Your Employees' Pockets

Who wouldn’t appreciate a little extra in their paycheck? By paying less in taxes, your employees could see their take-home pay increase by an average of $1,500 per year. Can you imagine the positive impact this could have on their satisfaction and loyalty?

Extra Health Benefits—At No Extra Cost

What if your employees could enjoy unlimited zero-dollar co-pays on primary care and urgent care visits, unlimited telemedicine, and zero or $1.00 co-pays on prescription drugs? With this plan, they get all these benefits and more—like 100% preventative care and $0 copays on labs, imaging, and X-rays.

The Best Part?

These benefits are designed to complement your existing health plan, with the tax savings covering the entire cost. Doesn’t it make sense to offer a plan that not only benefits your employees but also results in a net profit for your company?

First Things First

This plan is intentionally designed not to replace or compete with your major medical plan. Instead, it serves as a complement or even a frontline of defense to your existing coverage, while also being robust enough to stand on its own.

Full-time employees enrolled in the plan will generally see a net increase in their paychecks due to their participation.

Although there is an associated cost for employers implementing the plan, they will realize a net savings by offering it.

With our specialized Section 125 plan, if you have at least 10 qualified employees, your company can save $573.60 per employee each year on FICA payroll taxes. This can translate into significant savings for your business. Plus, your employees will see an average increase of $1,500 in their take-home pay annually, all while enjoying a valuable benefit that promotes their happiness and well-being.

Pre-Tax Benefits

Unlimited Primary Care Doctor / Urgent Care Visits
The plan covers 100% of the office visit charges for First Health Providers for the employee. (Employee Only)

100% Preventative Care
The plan pays 100% for services required by the Patient Protection and Affordable Care Act through First Health Providers. (Employee Only)

Unlimited Prescriptions with $0-$1 Copay
No copay or cost for 85% of the most commonly prescribed medications within the formulary (Employee plus family).

Direct Primary Care (Employee plus family)
$0 cost for unlimited access to a concierge-style, advocate-driven approach to healthcare. It’s like having a doctor available 24/7 at your beck and call.

Personal & Mental Health Care (Employee Plus Family)
Proactive medical care to help identify potential health risks.

Additional Benefits

Unlimited Virtual Veterinary Consultations
Our licensed veterinary professionals provide information, advice, and guidance on the steps to take for the health and well-being of your dogs and cats. (Employee plus family)

Unlimited Virtual Physical Therapy
Revolutionize physical therapy with our augmented reality platform, offering real-time feedback and precise movement analysis using 111 body data points. (Employee plus family)

Workplace Support
A dedicated team of specialized, caring professionals ensures that your workplace harassment and discrimination concerns are heard, investigated, and resolved without fear of retaliation. (Employee only)

Implementation Process

Your Responsibilities:

Provide a payroll census, ideally with the most recent paystubs in PDF format.
Provide an enrollment census.
Participate in pre-enrollment logistics, including payroll setup.
Sign plan documents and approve marketing materials.
Offer ongoing support for the plan.

Our Responsibilities:

Generate a proposal/analysis and review it with you.
Design employee education materials.
Educate all employees on their benefits and how to use them.
Host employee education calls during open enrollment.
Provide employee support with a dedicated benefits hotline.
Assist with payroll coordination.
Monitor employee engagement.

And the Best Part...

There are no contracts, no sign up fees and since the tax savings completely pay for the benefits, it is a zero net cost for either your company or your employees to participate.

Have you considered how much a specialized Section 125 plan could save your business? By allowing employee benefits to be pre-taxed, you can significantly reduce your FICA payroll taxes. Wouldn’t it be great to boost the health and well-being of your employees while also increasing their take-home pay—all at no additional cost to you?

We’d love to prepare a free, no-obligation quote to show you exactly how much your company and employees could benefit each month. Did you know there are no contracts with our plan? Plus, since the pre-taxing process covers the cost of the benefits, it’s a zero net cost for both your company and your employees. Why not take advantage of these savings?

Book a Free Consutation Here

Let's Connect

phillip@rubiconbenefitservices.com

Phone: (480) 269-8297