Section 125 Supplemental Health Plans
Your Healthcare Costs Are Out of Control
Every year, you watch premiums climb while employees complain about coverage gaps. What if you could give them better benefits while cutting your costs by $600-900 per employee?
Healthcare Benefits Shouldn't Be This Hard
Premiums Keep Rising
You budget for 8% increases and get hit with 12%. Every year it's the same story—more money, less coverage.
Employees Can't Afford Their Meds
High deductibles mean your people skip prescriptions. That leads to bigger health problems and higher claims.
Turnover Costs a Fortune
Benefits drive retention. When your package is weak, your best people leave for companies with better coverage.
The Optiv Difference
A Benefit That Adds to Your Plan—And Subtracts From Your Costs
Optiv Health isn't a replacement for your major medical. It's a Section 125 supplemental plan that stacks on top—giving employees access to free prescriptions, unlimited telehealth, and preventive care while reducing your tax burden.
- ✓ Pre-tax premium deductions lower FICA costs
- ✓ 1,000+ generic medications at $0 copay
- ✓ 24/7 telehealth eliminates costly ER visits
- ✓ Zero disruption to existing coverage
Simple Implementation
Three Steps to Healthier Employees and Lower Costs
We Analyze Your Situation
Share your employee count and current costs. We'll show you exactly how much you'll save—no guessing.
Seamless Enrollment
We handle the paperwork. Your employees enroll through a simple online portal. Takes 15 minutes.
Start Saving Immediately
Benefits activate fast. Your employees get free meds and telehealth. You keep more money in the business.
How Much Could You Save?
The average employer saves $750/employee/year. Enter your headcount to see your potential savings.
Why Companies Stick With Us
A 98.4% renewal rate doesn't happen by accident. It happens when the product actually works.
Free Download
The Employer's Guide to Section 125 Health Benefits
Learn how leading companies are saving $600-900 per employee while improving coverage. This comprehensive whitepaper covers implementation strategies, tax advantages, and real-world case studies.
Get the Free Whitepaper →📅 Free Webinar — March 3, 2026
Slash Healthcare Costs Without Cutting Coverage
Join us for a 45-minute session where we'll break down exactly how Section 125 plans work, show real savings examples, and answer your questions live.
Reserve Your Spot →Can't make it? Book a 1-on-1 call instead.
Stop Overpaying for Healthcare
Every month you wait is money walking out the door. Get a free analysis and see exactly how much your company could save.
Book Your Free Consultation