Frequently Asked Questions

Does this replace our current health insurance or broker?
No. The Private Virtual-First Clinic is designed to build on the workforce benefits you already offer. Your existing medical plan and broker relationship remain in place. This adds another layer of healthcare access for qualifying employees and their eligible household family members without replacing either one.

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This sounds too good to be true. Why haven't I heard of this before?

It's a reasonable question. Tax-advantaged employer benefit structures are not new. Historically, larger employers have had greater access to the specialized legal, accounting, benefits, and administrative resources needed to manage more sophisticated benefit strategies.
 

What has changed is the ability to bring these pieces together efficiently and at scale. Advances in technology and specialized administration now allow the healthcare, payroll, compliance, and administrative components to work together in a more streamlined framework. The structure is supported by experienced third-party administrators and professional legal and accounting resources, along with an established nationwide Private Virtual-First Healthcare Network.
 

The tax provisions aren't new, and neither is the healthcare infrastructure. What's different is how these components are brought together—making a sophisticated healthcare and financial strategy more accessible and manageable for a broader range of employers.

During the Discovery Conversation, we'll walk through the framework, compliance structure, and payroll examples with you and the appropriate members of your team so your organization can evaluate how it works and determine whether it's a fit.

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We already offer telehealth. How is this different?

Telehealth is only one component. A traditional telehealth benefit is generally an access point for virtual medical visits. The Private Virtual-First Clinic is designed to be a convenient starting point for everyday healthcare needs, including primary and urgent care, mental health support, weight-management support, included medications.
 

The broader difference is the combination of easy access to comprehensive healthcare—designed to be used first for everyday healthcare needs, before a small concern becomes a larger one—and meaningful financial savings for the employer.

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Most employers recognize the difference once they see how the healthcare and financial
components work together.
 

How does the employer create payroll tax savings?

The pre-tax framework adjusts how certain dollars are handled within payroll for employees who participate in the Private Healthcare Membership. This results in a lower taxable payroll amount for those employees. When taxable payroll goes down, the employer’s corresponding FICA payroll tax obligation goes down as well—creating meaningful annual savings.
 

Qualifying employers realize over $630 in annual FICA payroll tax savings per participating employee, creating meaningful bottom-line savings for the organization.
 

How is the Private Healthcare Membership paid for?

For employees who participate, the program adjusts how certain dollars are handled within payroll, creating tax savings on the employee side. Those savings cover the cost of the Private Virtual-First Clinic membership—and the membership automatically extends to eligible household family members, giving their family access as well.
 

This allows the healthcare membership to be provided at no net cost to the employer or the participating employee.

Participating employees receive included Virtual-First Clinic services with $0 copays or deductibles, and typically see a slight increase in take-home pay.

Is this a wellness indemnity or cash-back plan?
No. This is not a wellness indemnity plan that pays cash benefits back to employees. Employees and their eligible household family members receive actual healthcare services through the Private Virtual-First Clinic.

Is the framework compliant?

The framework is structured around established tax and healthcare provisions and includes administration, claims adjudication, compliance support, and supporting documentation.

The compliance structure is reviewed in greater detail during the Discovery Conversation and can be evaluated with your organization's professional advisors.

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Is this available nationwide?
Yes. The program is available nationwide through the applicable Virtual-First provider network. Employer and employee eligibility requirements apply.
 

How involved is the implementation process?
Implementation is designed to be simple and guided, with concierge-style support throughout the process. Employers provide the necessary information, while our team coordinates the majority of the administrative, compliance, enrollment, and implementation process for a streamlined rollout.

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What happens during the Discovery Conversation?
The 30-minute Discovery Conversation provides a clear, high-level walkthrough of the financial structure, potential payroll savings, compliance structure, and the Private Virtual-First Clinic—including simple payroll examples that show how the components work together.

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Because the structure touches both financial and employee-benefit considerations, we recommend including the appropriate Finance and HR/Benefits decision-makers in the conversation. This ensures everyone receives the same clear explanation at the same time and makes it easier to determine whether the program is a good fit for your organization. We also welcome any trusted advisors you'd like to include.