HealthCues.
A workplace health solution that improves employee health outcomes while increasing take-home pay through smart tax strategies. Benefit both your employees and your bottom line.
Monthly Paycheck Impact
Based on Plan 1200 example
Why Choose HealthCues?
A comprehensive workplace health program that benefits employees and employers alike through tax-advantaged healthcare solutions.
Increased Take-Home Pay
Employees earning at least $600/week see increased monthly net income as tax savings outweigh the net cost of the program.
Employer Payroll Tax Savings
Save approximately $1,101.60 per employee per year in reduced FICA tax liability through Section 125 Cafeteria Plan benefits.
No Out-of-Pocket Costs
Preventative services and virtual care are provided at no out-of-pocket cost to the employee, promoting healthier lifestyles.
How It Works.
HealthCues operates under a Section 125 Cafeteria Plan, combining tax advantages with comprehensive healthcare benefits.
Pre-Tax Premium Deduction
The HealthCues Premium (HCP) is deducted from the employee's gross pay before taxes are calculated, significantly lowering taxable income.
Tax Reduction
With lowered taxable income, employees pay less in Federal, State, Social Security, and Medicare taxes.
Tax-Free Claim Payment
Employees receive a HealthCues Claim (HCL) payment added back to their paycheck. This income is non-taxable.
Net Result
The tax savings cover the difference between Premium and Claim, typically resulting in a net increase in take-home pay of $67+ per month.
Plan 1200 Example
Core Program Components.
HealthCues combines hospitalization coverage, preventative care, and corporate protection into one comprehensive solution.
Limited Benefit Hospitalization
- Fixed payments for hospital confinement
- Daily in-hospital stay benefits
- Emergency room coverage
- Ambulance services
- Up to $1,000/month indemnity claims
Preventative & Virtual Healthcare
- $0 copay virtual urgent care
- Virtual primary care access
- Virtual mental health support
- Virtual vet services for family pets
- Rx savings with free common prescriptions
Health Tracking & Optimization
- Biometric screenings
- DNA screenings
- Health risk assessments
- Mobile app for health activities
- Health optimization tracking
Work Shield Included.
HealthCues includes Work Shield, a technology platform for managing employee harassment and discrimination complaints. Protect your company culture and mitigate litigation risks.
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Professional complaint management
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Expert investigation services
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Litigation risk mitigation
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Company culture protection
Employer Protection
Shield your business from the high costs of reputational damage and litigation related to workplace harassment claims.
The average cost of a workplace harassment lawsuit exceeds $125,000. Work Shield helps prevent these costly situations.
Employer Payroll Tax Savings.
The Section 125 Cafeteria Plan reduces your payroll tax liability while benefiting your employees.
Monthly Employer Savings (Per Employee)
Based on Plan 1200 example. Actual savings depend on plan level and employee tax situation.
How Employers Save
Reduced Taxable Wage Base
Pre-tax deductions lower the taxable income base for FICA calculations.
Matching Tax Reduction
Employer's FICA matching contributions decrease proportionally with employee's reduced taxable wages.
Scales with Workforce
Savings multiply across your entire workforce. 100 employees = $110,160 annual savings.
Tax Implications.
Understanding the full picture of how HealthCues affects taxes for your employees.
Benefits
- Lower taxable income results in less tax owed immediately
- Eligibility for Earned Income Tax Credit (EITC) generally preserved
- Child Tax Credit (CTC) eligibility typically maintained
- Net increase in take-home pay every paycheck
Considerations
- Less tax withheld means tax refunds may be smaller
- Minimal reduction in future Social Security benefit calculations
- Employees should understand the trade-off between refund size and monthly income
Ready to Transform Your Benefits?
Join companies that have increased employee take-home pay while reducing their payroll tax burden with HealthCues.