Savings Calculator
See exactly how much your company could save. Takes 30 seconds.
Your Estimated Savings
Employee Benefits
Want exact numbers? We'll run a detailed analysis using your actual data.
Upload Payroll for Exact QuoteHow We Calculate Savings
FICA Tax Savings
Pre-tax deductions reduce payroll taxes by 7.65% on every contributed dollar. For 100 employees at $100/month, that's $9,180/year in tax savings alone.
Claims Reduction
Free prescriptions improve medication adherence. Telehealth prevents ER visits. Industry data shows 15-25% reduction in overall claims costs.
Employee Retention
Better benefits reduce turnover. The average cost to replace an employee is 50-200% of their salary. Lower turnover = massive savings.
Real Results from Real Companies
Here's exactly what other employers are saving with Optiv Health:
"We have 200 employees and saved $127,000 in the first year alone. The FICA tax savings paid for the entire program, and everything else was pure profit."— Manufacturing Company, Ohio
"Our employees love the free prescriptions and telehealth. We've never had a benefits program with this high participation rate."— Tech Startup, Texas
"Emergency room visits dropped by 40% and our overall claims costs are down 23%. This program pays for itself several times over."— Regional Healthcare System
Understanding Your ROI: The Complete Picture
Here's exactly where your savings come from and why this program is so effective:
1. Immediate Tax Savings
FICA Tax Reduction: For every $100 your employees contribute pre-tax, you save $7.65 in FICA taxes. With 100 employees contributing $100/month, that's $9,180 in annual tax savings.
Example Calculation:
2. Claims Cost Reduction
Preventive Care Impact: Free telehealth and prescriptions lead to better health outcomes. Industry studies show 15-25% reduction in overall claims when employees have easy access to primary care.
3. Employee Retention Value
Hidden Savings: The average cost to replace an employee ranges from 50-200% of their annual salary. Better benefits reduce turnover.
Case Study: A 150-employee company with $50,000 average salary and 15% annual turnover:
- Current turnover cost: $562,500/year (15 employees × $37,500 replacement cost)
- With Optiv: 12% turnover (3% reduction)
- Savings: $112,500/year in reduced turnover costs
Frequently Asked Questions
How accurate are these savings estimates?
Our calculator uses conservative industry averages. Most clients see savings 20-30% higher than our estimates. We base our projections on data from 500+ client implementations over 5 years.
What if our employees don't participate?
We typically see 85-95% participation rates because the benefits are genuinely valuable (free prescriptions, $0 telehealth, etc.). Even at 70% participation, you'll still see significant savings.
How does this work with our existing health plan?
Optiv Health is supplemental—it stacks on top of your current coverage. Your employees keep their existing plan and get additional benefits. No disruption to current arrangements.
Are there any hidden costs?
No. Our pricing is transparent: $XX per employee per month, all-inclusive. No setup fees, no administrative costs, no surprises. What you see is what you pay.
How quickly can we implement this?
Most companies are up and running within 30 days. We handle all the paperwork, employee communications, and technical setup. Your HR team's involvement is minimal.
What about compliance and legal issues?
We're fully compliant with ERISA, HIPAA, and ACA requirements. Our legal team handles all compliance documentation. You get a turnkey solution that meets all regulatory standards.
Ready to See Your Exact Savings?
Get a detailed, customized analysis using your actual payroll data. We'll show you exactly how much your company will save with Optiv Health.