How It Works
Section 125 plans are the IRS-approved way to give employees better benefits while cutting your costs. Here's how.
The Section 125 Advantage
Section 125 of the Internal Revenue Code allows employees to pay for qualified benefits with pre-tax dollars. This creates a win-win: employees take home more pay, and employers pay less in payroll taxes.
Pre-Tax Deductions
Employee premiums are deducted before FICA taxes are calculated. This reduces your payroll tax burden by 7.65% on every dollar contributed.
Stacks With Major Medical
Optiv Health supplements—not replaces—your existing health insurance. Employees keep their current coverage while gaining additional benefits.
Free Prescriptions
Access to 1,000+ generic medications at $0 copay. This alone can save employees hundreds per year and reduce your claims costs.
24/7 Telehealth
Unlimited virtual doctor visits eliminate costly ER visits for non-emergencies. Most issues resolved in under 15 minutes.
Implementation Timeline
From first call to live benefits in as little as 2 weeks.
Discovery Call (30 min)
We review your current benefits, employee count, and goals. You'll leave with a custom savings estimate.
Plan Design
We tailor the benefit package to your workforce. You approve the final structure—no surprises.
Employee Enrollment
Simple online enrollment takes 15 minutes per employee. We provide materials and support.
Benefits Go Live
Employees immediately access free prescriptions, telehealth, and all plan benefits. You start saving.
Common Questions
Does this replace our current health insurance?
No. Optiv Health is a supplemental benefit that works alongside your existing major medical coverage. Employees keep everything they have now.
How do employees actually save money?
Three ways: pre-tax premium deductions increase take-home pay, free prescriptions eliminate pharmacy costs, and telehealth prevents expensive doctor visits.
What's the minimum company size?
Section 125 plans work best for companies with 50+ employees, though we can work with organizations as small as 25.
Is there a long-term contract?
No. We earn your business month-to-month. Our 98.4% renewal rate proves clients stay because the product works, not because they're locked in.
Ready to See Your Savings?
Get a personalized analysis showing exactly how much your company could save with Optiv Health.
Book Your Free Consultation