CareFront USA helps employers with 25 or more W-2 employees implement a comprehensive supplemental benefits plan — funded entirely through Section 125 payroll optimization. Your employees get coverage they'll actually use. Your business reduces its FICA liability by approximately $920 per enrolled employee annually.
Major medical plans were designed around regulatory compliance — not the reality of what hourly workers actually need on a Tuesday. A doctor at midnight. A prescription they can afford. Mental health support without a waiting list or a referral.
Most hourly workers delay or skip care entirely because of cost. One in three has no access to mental health support through their employer. And when employees don't feel supported, they leave — costing businesses an average of $4,700 per replaced hourly worker.
Supplemental benefits change that equation. And with CareFront USA, they don't cost your business anything to offer.
FICA Savings Per Employee / Year
~$920
Cost to Employer
$0 Net
Cost to Employees
$0
Under IRS Section 125, employees can elect to receive certain benefits on a pre-tax basis, reducing their gross taxable wages. When gross wages are reduced, so is the FICA your business pays on those wages. That FICA reduction — approximately $920 per enrolled employee per year — is how the plan funds itself at zero net cost to your organization.
You're not adding an expense. You're redirecting a tax obligation you're already paying.
24/7 unlimited virtual visits for both primary and urgent care needs — no waiting room, no ER trip required
Unlimited access to licensed counselors and therapists
At $0 co-pay, delivered or filled at participating pharmacies
Covered diagnostic labs at no out-of-pocket cost
Every benefit above extends to all dependents, not just the employee
Cash benefits paid directly to employees upon hospitalization — a financial safety net for unexpected inpatient medical events
Employee onlyNo deductibles. No co-pays. No network navigation. No HR paperwork at enrollment.
The FICA reduction averages approximately $920 per enrolled employee annually. For a company with 100 eligible employees, that's meaningful savings that show up in your payroll ledger every month.
Employees with meaningful benefits stay longer. Every percentage point of reduced turnover saves thousands in replacement costs, training time, and lost productivity.
Day-one benefits at zero employee cost is a genuine differentiator in today's labor market — especially for hourly and frontline roles where competition is high and loyalty is hard to earn.
Enrollment happens through payroll based on gross wage qualification. No separate HR process, no benefit elections paperwork, no disruption to your operations.
One conversation. We review your employee count, payroll structure, and any existing benefits. We project your FICA reduction before any commitment is made.
We coordinate plan documents and work directly with your payroll provider to configure the Section 125 structure. No IT work required on your end.
Eligible employees are enrolled through payroll automatically. No forms, no disruption, no out-of-pocket employee cost.
We stay on as your benefits partner — handling renewals, compliance guidance, and any employee support questions as your team grows.
We'll walk through a custom savings estimate for your organization at no cost — including your projected FICA reduction and estimated turnover impact.