Modern Benefits Without

the Traditional Cost

Boost employee well-being and reduce healthcare costs, and improve retention at no net cost to you or your team.

Guide to HealthWise Team Plan for Employers

You want a healthier team, predictable benefit costs, and a benefit program people actually use.

HealthWise was built to make all of that possible through a preventive-first, cost-neutral framework designed for the modern workforce.

Below is everything employers need to know: how it works, what employees receive, how it saves money, who qualifies, and what implementation looks like.

1. What HealthWise Actually Is (Clear & Simple)

HealthWise is a preventive-first health benefits program designed to:
• Give employees $0 copay healthcare access

• Reduce avoidable claims

• Keep employees healthier and more productive

• Support employers with no net cost options

• Work alongside or independent of current major medical plans

It’s built on proven, IRS-approved benefit structures (including Section 125), making it a compliant, transparent, and scalable solution for businesses of nearly any size.

2. How the Program Helps Your Company

Lower Claims & Fewer Absences

When employees can access care quickly and at $0 copay, they catch issues early and before they become costly.

Better Retention & Engagement

Offering meaningful, easy-to-use benefits shows employees their health matters. That drives loyalty, morale, and performance.

Without Increasing the Budget

The program is structured so most employers can offer HealthWise at no net cost, using compliant frameworks and payroll mechanisms.

Supports Any Team Structure

We have solutions for:

• W2 employees

• 1099 contractors

• Individuals & families

3. What Your Team Receives

In-Person Urgent Care
Virtual Primary & Urgent Care
Preventive Care
Chronic Disease Management

Generic Prescriptions
Labs
Weight Management
Mental Health Services

Bill Eraser & Care Navigation
Care Monitoring & Management
Portable Whole Life Insurance Policy
Care for the Whole Family

Using their HealthWise benefit options, employees tend to rely less on corporate health insurance, which can help keep or reduce premium costs upon renewal.

Your Team will love this program because it’s easy, affordable, immediate, clear and actually usable. Employees feel cared for...and when employees feel cared for, they stay.

It's a Win-Win for Everyone

"When employees feel cared for,

they’re happier, more productive,

and more likely to grow with a company.

HealthWise makes that possible!"

— Liv

4. How the Financial Structure Works for Employers

Lean in. Clear, compliant, and benefit-focused.

Built on IRS-Compliant Benefit Structures

HealthWise leverages Section 125 and other qualified frameworks to create an arrangement that:

• Reduces taxable wages

• Reallocates dollars into health benefits

• Gives employers financial flexibility

• Ensures transparency and compliance

Typically No Net Cost or Cost-Neutral

The program is designed so employers can offer these benefits without increasing their overall spend. For many companies, the program becomes:

• Cost-neutral

• Or creates bottom-line savings

Works With or Without an Existing Health Plan

HealthWise complements:

• High-deductible health plans

• Traditional major medical

• Self-funded plans

• Level-funded arrangements

• Or works for employers not offering health insurance

Compliance, Transparency, and Reporting

HealthWise provides:

• Section 125 compliance support

• Employer documentation

• Employee communication templates

• Benefit summaries

• Usage insights (no PHI)

• Clean, auditable process

Employers always know:

• How the program works

• Why it works

• How it’s structured

• What it costs (or saves)

No fine print. No confusion. No surprises.

TEAM Plan FAQs

Implementation: Fast and Simple

Most employers can be fully set up in 2–3 weeks.

Free Proforma

We calculate your projected structure, tax impact, and savings.

Employer Review & Approval

You see exactly how it works before implementing.

Setup and Onboarding

We guide and train you for seamless

implementation.

Employees Enroll & Access Begins

Employees receive their benefit access and can start using services immediately.

Ready to Offer a Benefit Your Team

Will Actually Use?

HealthWise helps you give your team better care, faster access, and real preventive support all while protecting your bottom line.

Find Out if You're Eligible

HealthWise is 100% legal and compliant. This is a tax-qualified plan with a preventive focus that uses tax advantaged provisions under the Internal Revenue Service (IRS) codes "Section 125 Cafeteria Plan and codes 105, 106, and 213(d)" and ACA wellness rules.