Cut Payroll Taxes.
Boost Employee
Health & Income.
PrevaCare Benefits combines a comprehensive preventive care wellness plan with IRS Section 125 savings — your business saves $900 per employee while your workforce gains $1,200 in take-home pay. Zero net cost to either side.
Among many things, they all rely on IRS Section 125 Cafeteria Plans as a cornerstone of their compensation strategy. Why? Because it's one of the few tax strategies that wins for everyone — the business saves on payroll taxes, and employees take home more in every paycheck.
If this approach works for some of the largest organizations in the world, it can work for yours too. Whether you have 10 employees or 10,000, Section 125 is a proven, IRS-approved way to stretch every dollar in your benefits budget.
The IRS Code That Lets Employers
Save on Every Paycheck
Section 125 of the IRS tax code allows employers to offer certain benefits on a pre-tax basis — reducing FICA taxes for both the company and its employees simultaneously.
What is a Section 125 Cafeteria Plan?
A Section 125 plan allows employees to pay for qualified benefits with pre-tax dollars, reducing their taxable income. The employer avoids paying FICA taxes on those same dollars — a win-win built directly into the IRS tax code since 1978.
Who Qualifies?
Any employer with W-2 employees can implement a Section 125 plan. There is no minimum company size. Most businesses with 5 or more employees see immediate, meaningful savings from day one of enrollment.
Is It Legal & ACA Compliant?
Absolutely. Section 125 plans are IRS-approved, widely used by Fortune 500 companies, and fully ACA compliant. PrevaCare Benefits handles all compliance documentation and plan administration for you.
Does It Replace Health Insurance?
No. PrevaCare is a supplemental preventive care program that sits alongside your existing health insurance, enhancing coverage while generating tax savings through the §125 structure.
Your Savings at a Glance
run through the Section 125 plan
per enrolled employee
increase per person enrolled
A company with just 50 employees could save $45,000 per year in FICA taxes alone — with no disruption to existing benefits and zero out-of-pocket cost to enroll.
Everything Your Employees Need
At No Net Cost to Anyone
PrevaCare is a proactive, participatory preventive healthcare program that supplements existing insurance — incentivizing healthy behaviors while saving money for everyone.
Virtual Primary Care
Unlimited virtual primary care visits for the entire family. See a doctor 24/7 from any device with no copay.
Virtual Urgent Care
Immediate urgent care access for the whole family — reducing costly ER visits by up to 25% in verified studies.
70 Drugs at No Cost
The 70 most commonly prescribed medications provided at zero cost to enrolled employees and their families.
Licensed RN & Mental Health Coaching
Unlimited one-on-one sessions with licensed RNs and mental health professionals. Completely confidential.
Nutritional & Financial Coaching
Personalized nutrition guidance and financial budget coaching to support whole-life wellness for every employee.
ID Theft & Home Title Protection
Comprehensive identity theft protection and home title monitoring for every member of the employee's household.
Work Shield
Tech-enabled solution for reporting, investigating, and resolving workplace harassment, discrimination, and misconduct.
Employee Assistance Program
Comprehensive EAP including simple will preparation, legal guidance, and a 0% interest $100 payday loan program.
300+ Medical Library
Access to a 300-title multimedia medical content library to help employees understand and manage their health proactively.
Living 2.0 — Wellness App Bundle
A suite of science-based health, savings, and lifestyle apps included with every enrollment.
Rewards for Walking
Earn up to $10/day in cash rewards for calories burned.
Student Loan Relief
Average savings of $340/month through our specialist program.
Shop Now, Pay Later
Up to $2,500 interest-free credit across millions of products.
Bill Negotiation
We negotiate your bills down and split the savings 50/50 with you.
How the Program Works
Simple, effective, and immediate impact for your organization
Personal Health Dashboard (PHD)™
Savings
Benefits
Tracking
Activities
Coaching
Rewards
Each eligible employee gains exclusive access to their Personal Health Dashboard (PHD)™. This intuitive platform is the central hub for their wellness journey, offering a personalized and interactive experience.
- Activate account and watch intro video to get started
- Complete monthly health optimization activities
- Access "My Benefit Tools" for free benefits and rewards
- Mobile app and online dashboard convenience
- Track healthy habits and earn optional cash rewards
Work Shield Program
As an additional, highly impactful benefit, PrevaCare includes access to Work Shield — a technology-driven, human-led platform that helps organizations address workplace misconduct with unbiased investigations and faster resolutions.
Many of our clients have experienced its profound positive effects. Work Shield adds an extra layer of support and protection, further solidifying the comprehensive nature of our Health and Wellness program.
- Safe and secure misconduct reporting via mobile, web, or call center
- Swift, unbiased investigations and fair resolution recommendations
- Outcomes achieved 80% faster than the national average
- Prioritizing the welfare and equity of your entire workforce
How Much Could
Your Company Save?
Enter your number of employees to instantly see your potential annual savings — for your business and your workforce.
Proven Outcomes Across
23,000+ Employees
PrevaCare's preventive model shifts organizations from disease management to proactive health culture — with results verified independently across a large national population.
| Feature | Typical Plan | PrevaCare §125 |
|---|---|---|
| Employer FICA savings | ✕ None | ✔ $900/employee/yr |
| Employee take-home increase | ✕ None | ✔ $1,200/employee/yr |
| Virtual Primary & Urgent Care | ✕ Extra cost | ✔ Included, no copay |
| Mental health coaching | ✕ Limited | ✔ Unlimited sessions |
| Net cost to employer | ✕ High | ✔ Zero net cost |
| IRS §125 compliant | ✕ Usually not | ✔ Fully compliant |
Free College Tuition Credits
for Your Employees' Families
SAGE Scholars Tuition Rewards — guaranteed minimum tuition discounts at 440+ private colleges
Private Colleges
Employee
Minimum Discount
Points Today
As part of the PrevaCare Benefits program, enrolled employees and their families gain access to SAGE Scholars Tuition Rewards — one of the most powerful and overlooked employee benefits available today.
Employees earn Tuition Reward Points that translate into guaranteed minimum tuition discounts at over 440 participating private colleges and universities across the country — at absolutely no cost to the employee or employer.
- Guaranteed minimum tuition discounts at 440+ private colleges
- Points accumulate automatically — no extra steps required
- Families can start earning while children are still in K–12
- Points never expire and can transfer to grandchildren
- Access to SAGE FastTrak® for expedited college admissions
- Student loan marketplace for refinancing and savings
- Zero out-of-pocket cost to the employee or employer
University
University
University
University
University
University
Everything You Need
To Know
Free Consultation
See Exactly How Much Your Company Can Save
Book a no-obligation consultation and we'll build a custom savings report for your business — showing your exact FICA reduction, employee take-home increase, and 3-year projection.
Custom savings analysis at no cost
No pressure, no commitment required
Typical response within 1 business day
Full compliance review included