Discover How Employers are benefiting from an Annual Tax savings upwards of $300 to $600 per employee with ZERO Net Cost & Increasing their employees NET Take Home Pay
How The Capstone Health Plan Works
How Much Can you Save
Paycheck Example
- Monthly Gross Income Remains The Same
- All Pre-Tax deductions are unchanged
- This Plan is funded by a Section 125 premium deduction
- Taxable Income is reduced by $800 per month
- The Participant received an increase of $206.88 due to theCapstone after-tax reimbursement
- The Capstone fee of $80 per month is deducted tax-free
- The Participant received $126.88 in Benefit Reserve tospend on voluntary benefits
- Take-home pay remains the same as before the Capstone Health & Wellness Plan
PLAN 800
Savings Per
Employee
- Per Month: $61.20
- Per Year:$734.40
Admin Cost Per
Employee
- Per Month: $35.00
- Per Year:$420.00
Net Savings Per Employee After Capstone Health Fee
- Per Month: $26.20
- Per Year:$314.40
Estimated Employer Savings Calculator
About The
Capstone Program
Capstone Health and Wellness does not disrupt or replace any Major Medical Plan. It is an enhancement of your current benefits plans for qualified employees
Capstone Health and Wellness is a section 105 plan. Prioritizing preventative health and wellness with a comprehensive health management program.
The result is exceptionally high engagement ensuring maximum compliance, healthcare outcomes, and employee experiences.
Capstone Health and Wellness is at no Net Cost for the employer and employee.
The plan addresses Recruitment, Retention, and revenue concerns that employers have.
We focus on health before it becomes a health insurance issue.
Capstone Health and Wellness does not disrupt or replace any Major Medical Plan. It is an enhancement of your current benefits plans for qualified employees
Capstone Health and Wellness is a section 105 plan. Prioritizing preventative health and wellness with a comprehensive health management program.
Capstone Health and Wellness does not disrupt or replace any Major Medical Plan. It is an enhancement of your current benefits plans for qualified employees
Capstone Health and Wellness is at no Net Cost for the employer and employee.
The plan addresses Recruitment, Retention, and revenue concerns that employers have.
We focus on health before it becomes a health insurance issue.
Why Us?
Capstone Health and Wellness is plan that helps employers to retain and attract employees by prioritizing preventative health and wellness with a comprehensive health management program that you can offer to your employees at no net cost to them and a net savings to your company.
Do I Qualify?
- Employers with 5 or more employees
- All employees must be W-2 and full-time
- Employees must have less than 2% equity ownership
- Employees must have major medical through an employer-sponsored plan. Either through their employer, spouse’s, or if under 26, a parents’ employer.
- A MEC Plan can be installed without out-of-pocket cost to the employee or employer with Capstone to satisfy the group health requirement.
Case Studies
13 Employee Law Firm
Results
Here are the key numbers this client realized when they implemented our solutions.
$179.59
Avg. Efficiency Per Employee
$425.10
Avg Savings Per Employee
$2,334.67
Amount Each Month for Employees to use on benefits.
$5,877.30
Total Employer Savings
33 Employee Electric Firm
Results
Here are the key numbers this client realized when they implemented our solutions.
$166.55
Avg. Efficiency Per Employee
$477.14
Avg Savings Per Employee
$5,297.99
Amount Each Month for Employees to use on benefits.
$15,745.49
Total Employer Savings PEPY
42 Employee Chamber Of Commerce
Results
Here are the key numbers this client realized when they implemented our solutions.
$69.67
Average Employee Increase Per Pay Period
$2,195.97
Average Employee Increase Annually
100%
Percentage Of Qualified Employees
$431.87
Average Employer Savings
$714.43
Net Savings Per-Pay-Period
$18,138.53
Potential Annual Savings
96 Employee Manufacturing Company
Results
Here are the key numbers this client realized when they implemented our solutions.
$69.67
Average Employee Increase Per Pay Period
$1,811.32
Average Employee Increase Annually
100%
Percentage Of Qualified Employees
467.44
Average Employer Savings
$1,746.09
Net Savings Per-Pay-Period
$44,874.13
Potential Annual Savings
308 Employee CPA Firm
Results
Here are the key numbers this client realized when they implemented our solutions.
$80.86
Average Employee Increase Per Pay Period
$2,102.46
Average Employee Increase Annually
99%
Percentage Of Qualified Employees
$726.07
Average Employer Savings
$8,601.18
Net Savings Per-Pay-Period
$223,630.56
Potential Annual Savings
Frequently Asked Questions
(FAQ)
No, it is 100% legal. This is a tax-qualified plan with a wellness focus that uses
tax advantage provisions under the Internal Revenue Service codes “Section 125
Cafeteria Plan and codes 105, 106, and 213(d)” and ACA wellness rules.
Yes, it is actually a requirement of this program that you offer one, but you do
not have to replace it, we can take over the plan for ease of administration.
This is achieved by employees being active and participating in our health
management program through various programs including monthly wellness
health coaching.
The answer is yes, however, they may have a tax implication. Our
recommendation is for the employee to use those funds on 213(d) qualified
products through payroll deduction.
The program allows them to use their benefit reserve dollars on 213(d) qualified
products such as dental, vision, life, disability, cancer, accident, and critical
illness insurance.
Wellness plans have been around since the passing of the Affordable Care Act,
which opened the door to structure these plans in their current format.
Send us a message
Contact Us Today
Interested in learning how the Capstone Health Plan can be implemented into your company? Book a call with one our team members and we can walk through any of your questions, see if your elgible and draft a savings template.