Stop `Overpaying` for `Employee` Healthcare

The only Section 125 plan that delivers $0 copays, $1 prescriptions, and 24/7 primary care while boosting every employee’s paycheck by $120/month

$570

ANNUAL EMPLOYER SAVINGS PER EMPLOYEE

$120

MONTHLY EMPLOYEE PAYCHECK INCREASE

$0

SETUP FEES OR ANNUAL COSTS

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Your Current Benefits Strategy Is Failing Your Team

High-deductible plans and rising costs are crushing employee morale and your bottom line

Employees Avoid Medical Care

High deductibles mean employees skip preventive care, leading to bigger health problems and higher claims later

Healthcare Costs Keep Rising

Traditional insurance premiums increase 8-12% annually, eating into your budget and employee satisfaction

Top Talent Leaves for Better Benefits

Competitors with superior healthcare packages are poaching your best employees

Finally, A Section 125 Plan That Actually Works

Proactive Coverage delivers the most comprehensive Section 125 cafeteria plan in America. Unlike basic premium-only plans, we provide real healthcare access that employees love and use.

Unlimited $0 Primary Care & Urgent Care through First Health network

24/7 Telemedicine Access for entire family via mobile app

$1 Prescriptions covering 85% of most common medications

100% Preventive Careas required by ACA

Mental Health Consultations for employee and family

Immediate Implementation – no waiting for open enrollment

Best part: Completely independent of your major medical plan. Add it anytime without disrupting current coverage.

100%

Legal & IRS Compliant Section 125 Plan

50 States

Nationwide Coverage Through First Health

25+

Minimum Company Size (No Maximum)

Why Executives Choose Proactive Coverage

The most comprehensive Section 125 plan that solves real business problems

Guaranteed ROI

Save $570 annually per W2 employee through reduced FICA taxes while employees gain $120/month in take-home pay

Instant Implementation

Deploy immediately without waiting for open enrollment periods or disrupting existing major medical plans

Employee Retention Tool

Premium benefits package that helps attract top talent and reduce turnover costs

Zero Administrative Burden

We handle all compliance, documentation, and administration. You focus on running your business

Section 125 plans have been trusted by Fortune 100, 500, and 1000 companies since 1987

38+

Years of IRS Compliance

100%

Legal & Compliant

50

States Covered

How It Works: Simple 3-Step Process

From consultation to full implementation in just 2 weeks

15-Minute Consultation

We analyze your company’s specific situation and calculate your exact savings. You’ll see precisely how much your business will save and how much your employees will benefit.

2-Week Implementation

We handle everything: legal documentation, IRS compliance, employee communication, and payroll integration. You sign a few papers and we do the rest.

Immediate Results

Employees start using $0 copay benefits immediately. You see tax savings on the very first payroll. Everyone wins from day one.

Implementation Timeline: Most companies are fully operational within 14 days. No waiting for open enrollment periods.

Real Companies, Real Results

See how companies like yours are saving money and improving employee satisfaction

TechStart Solutions

38 Employees • Technology Services

$21,660

Annual Savings

11 Days

Implementation

95%

Participation

0

Admin Burden

“The implementation was seamless. Our employees love the $0 copays, and we’re saving over $21K annually. Best business decision we’ve made in years.”

Mark ChenCEO

Get Started

Mountain Manufacturing

67 Employees • Manufacturing

$38,190

Annual Savings

9 Days

Implementation

67%

Turnover Reduction

100%

Employee Satisfaction

“Our turnover dropped dramatically. Employees actually thank us for the benefits. The $38K savings was just the bonus.”

Sarah JohnsonCEO

Get Started

Green Energy Corp

124 Employees • Clean Energy

$70,680

Annual Savings

13 Days

Implementation

34%

Satisfaction Increase

$1,440

Per Employee/Year

“We’ve become the employer of choice in our area. Recruitment is easier, retention is up, and we’re saving $70K+ annually.”

David RodriguezCEO

Get Started

Zero Risk Guarantee

We eliminate every possible risk so your decision is easy

🛡️

100% IRS Compliant

Guaranteed Section 125 compliance with 38+ years of proven legal framework. No audit worries, ever.

💰

No Upfront Costs

Zero setup fees, no annual contracts. You start saving money from day one, not paying for implementation.

⚡

Complete Implementation

We handle everything – documentation, compliance, employee communication, ongoing administration. Zero burden on your team.

🔄

Cancel Anytime

No long-term contracts or penalties. Though in 15+ years, no company has ever cancelled our program.

“This transformed how our employees view their benefits package. Before, they complained about high deductibles and avoided going to the doctor. Now they’re getting preventive care, using the $1 prescriptions, and actually thanking us during team meetings. The $47,200 we’re saving annually is just the bonus – the real value is having healthier, happier employees who want to stay with us.”

Jennifer Martinez, CEO

Precision Tools Manufacturing (83 employees)

Why Choose Proactive Coverage

See how we compare to traditional Section 125 providers

Feature	Traditional Section 125	Proactive Coverage
Primary care copays	High deductibles apply	$0 copays
Prescription costs	Full retail pricing	$1 for 85% of medications
24/7 telemedicine	✗ Not included	✓Full family coverage
Mental health access	✗ Limited or expensive	✓Unlimited consultations
Implementation time	4-8 weeks + complexity	2 weeks, turnkey
Employee satisfaction	Modest (limited benefits)	Exceptional (94% utilization)
Annual employer savings	$200-300 per employee	$570 per employee
Ongoing administration	Significant HR burden	Fully managed for you

Calculate Your Exact Savings

See your specific ROI in under 30 seconds

Number of W2 Employees *

Industry (optional)

Frequently Asked Questions

Find answers to commonly asked questions about our products and services.

How is this different from basic Section 125 plans?

Basic Section 125 plans only handle premium deductions – saving you modest amounts on payroll taxes. Our comprehensive plan includes actual healthcare benefits: $0 copay doctor visits, $1 prescriptions, 24/7 telemedicine, and mental health services. You get the tax savings PLUS meaningful employee benefits that drive retention and satisfaction.

What if our employees don’t use the benefits?

They will. We see 94% utilization rates because $0 copays remove all barriers to healthcare access. Unlike high-deductible plans that employees avoid using, our benefits are designed to be used. Plus, even if they didn’t use them (which won’t happen), you still get the full tax savings of $570 per employee annually.

How does this affect our current major medical insurance?

It doesn’t affect it at all. Our Section 125 plan is completely independent of your current major medical coverage. Employees keep their existing insurance unchanged. Our plan simply adds comprehensive primary care benefits on top of what they already have. No disruption, no changes to current coverage.

What’s the real catch here?

The only “catch” is that you’ll wish you found us sooner – that’s what 90% of our clients tell us. There are no hidden fees, long-term contracts, or complex requirements. This is simply a more comprehensive approach to Section 125 plans that most companies don’t know exists. It’s been legal since 1987, used by Fortune 500 companies, and proven by thousands of implementations.

Do we need to wait for open enrollment?

No. Since our Section 125 plan is independent of your major medical insurance, it can be implemented at any time. Most companies are fully operational within 2 weeks of deciding to move forward. No waiting, no coordination with existing plans required.

What size companies work best with this program?

We work with companies of 25+ employees across all 50 states. The program scales perfectly – whether you have 30 employees or 300. The tax savings and employee benefits remain consistent regardless of size. Larger companies often see the most dramatic total savings, but the per-employee benefits are identical.

Stop Overpaying for Employee Healthcare

$570

$120

$0

Your Current Benefits Strategy Is Failing Your Team

Employees Avoid Medical Care

Healthcare Costs Keep Rising

Top Talent Leaves for Better Benefits

Finally, A Section 125 Plan That Actually Works

Best part: Completely independent of your major medical plan. Add it anytime without disrupting current coverage.

100%

50 States

25+

Why Executives Choose Proactive Coverage

Section 125 plans have been trusted by Fortune 100, 500, and 1000 companies since 1987

38+

100%

50

How It Works: Simple 3-Step Process

15-Minute Consultation

2-Week Implementation

Immediate Results

Implementation Timeline: Most companies are fully operational within 14 days. No waiting for open enrollment periods.

Real Companies, Real Results

$21,660

11 Days

95%

0

$38,190

9 Days

67%

100%

$70,680

13 Days

34%

$1,440

Zero Risk Guarantee

100% IRS Compliant

No Upfront Costs

Complete Implementation

Cancel Anytime

Why Choose Proactive Coverage

Calculate Your Exact Savings

Frequently Asked Questions

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Stop `Overpaying` for `Employee` Healthcare