Overview of the Attentive employee wellness Program that improves health.
The Attentive Preventative Care Management Program is a proactive approach to employee wellness designed to generate tax free savings to support health and reduce long-term healthcare costs for employers. This program emphasizes early health interventions and preventative care, empowering employees to stay engaged and maintain their well-being.
Core Benefits of the Attentive Program
- Enhanced Employee Wellness and Engagement
Attentive provides employees access to wellness tools that encourage a healthier lifestyle and greater work satisfaction. This program supports a resilient workforce by focusing on preventative care, fostering higher engagement and productivity. - Reduction in Long-Term Healthcare Costs
By emphasizing early interventions, the Attentive Program helps address potential health issues before they escalate, ultimately reducing costly medical treatments. This approach allows employers to save healthcare expenses significantly and minimize employee absenteeism. - Comprehensive and Accessible Care
Attentive offers accessible services, including telehealth consultations, mental health support, and wellness screenings. These resources provide employees with convenient, flexible options that accommodate their personal health needs, aligning with the demands of a modern workforce.
How the Attentive Program Functions
- Integration with Existing Benefits
Attentive can seamlessly integrate with a company's existing benefits package. By complementing traditional health insurance with proactive care options, employers can offer a well-rounded approach to employee wellness without added complexity. - Customized Preventative Care Plans
Employees receive personalized preventative care plans tailored to their specific needs, encouraging them to engage in regular check-ups, telehealth visits, and wellness assessments. This individual-focused approach improves health outcomes and promotes a culture of wellness. - Employer Support and Reporting Tools
Employers gain access to valuable reporting tools that track participation rates, employee satisfaction, and cost savings. These insights allow companies to assess the program's impact, ensuring continued alignment with organizational health and financial goals.
Discover the Attentive Advantage
Are you ready to invest in a healthier, more engaged workforce? Schedule a complimentary consultation to learn how the Attentive Preventative Care Management Program can enhance employee wellness and reduce your organization's healthcare costs. Just click the button below to schedule right away. What are 15-20 minutes to save $500 or more per full-time W-2 employee annually that will be reflected in every payroll run so you don't have to wait until the end of the year to collect on it?
Our Services
We offer services that promote employee well-being and financial security, focusing on accessible healthcare, preventative care, and supplementary benefits.
Core Services
- Free Telehealth Services
Accessible healthcare options are provided to employees, supporting their wellness needs through virtual consultations and on-demand healthcare resources. - Employee Wellness Benefits Programs
A comprehensive approach to employee wellness, integrating preventative benefit programs that proactively address health needs to improve employee productivity and satisfaction. - Holistic Wellness Programs
The Self-Insured Medical Reimbursement Plan (SIMRP) and Attentive Care Management deliver programs to promote overall health and wellness. These initiatives support physical, mental, and emotional well-being. - Supplementary Benefits
Additional tax free savings is available for supplemental benefits such as accident coverage and cancer insurance, ensuring comprehensive protection for employees and their families.
Washington National Supplemental Benefits
In addition to our wellness programs, employees receive extra funding options for various supplemental benefits that improves health provided by Washington National, including:
- Accident Coverage
- Cancer Insurance
- Life Insurance
- Critical Illness Insurance
- Disability Benefits
These benefits allow employees to tailor their coverage to meet individual and family needs without affecting their monthly compensation. This enhancement reflects our commitment to supporting employees’ well-being and financial security, ensuring they feel cared for and valued.
Eligibility for Organizations
The Attentive Preventative Care Management Program is available to a variety of organizations across different sectors and structures, including:
- Public Entities: Government agencies and public sector organizations are welcome.
- Private Companies: Businesses of all sizes in the private sector are eligible to participate.
- Unionized Organizations: Entities with unionized workforces have the opportunity to join the program.
- Non-Unionized Firms: Companies without union affiliations are equally eligible.
- Nonprofit and Charitable Organizations: Nonprofits, charitable entities, and NGOs are welcome to participate in the program.
Our program is designed to be inclusive and adaptable, offering valuable wellness and financial benefits to organizations across all sectors.
Telehealth: Accessible, Reliable Healthcare at Your Convenience
Do you have young children or family members who depend on you? When an immediate family member falls ill, arranging a future appointment can be overwhelming, especially during late hours or urgent situations. With our telehealth service, you can access prompt, high-quality medical care designed to eliminate the delays and inconveniences of in-person visits.
Why Choose Telehealth Over Traditional Care?
Instead of visiting an emergency room or walk-in clinic—where wait times can be lengthy and unpredictable—our telehealth platform offers immediate relief. Through our user-friendly app, you can schedule an appointment any day or night, gaining convenient access to care from the comfort of your home.
Experienced Medical Professionals, Trusted Care
Our team includes highly qualified medical practitioners and registered nurses, each with extensive field experience. These professionals are skilled in conducting remote employee wellness assessments, providing accurate diagnoses, and prescribing medications. If necessary, these can be sent directly to your preferred pharmacy, including 24-hour locations. You can trust in their expertise and dedication to quality care.
No Co-Payments, Less Stress
One key advantage of our telehealth service is the absence of consultation co-payments, making it an affordable using tax free savings making it a stress-free option. By reducing the need for in-person visits, our service can also help decrease insurance claims, potentially leading to lower premiums. We aim to make healthcare accessible, affordable, and less burdensome to make sure it improves health for you and your loved ones.
No-Copays: Comprehensive, Accessible Telehealth at Zero Cost
For those seeking the benefits of telehealth services, our program offers an unparalleled opportunity to access tax free savings to make a wide range of counseling and advisory resources, all at no cost. Partnered with the Mayo Clinic, this initiative provides participants with guidance in areas such as:
- Marriage Counseling
- Weight-Loss Coaching
- Diabetes Management
- Addiction and Recovery Support
- Financial Wellness Advising
A Preventative Health Program with Zero Financial Barriers
This holistic health program is designed to be fully accessible, with no financial obligations and no need to file claims with insurance providers. By participating, individuals can take proactive control of their health, potentially influencing future insurance premiums by reducing claims frequency.
No Co-Pays, No Deductibles, No Hassle
Unlike traditional insurance plans that often require co-payments and high deductibles, this employee wellness program is structured to have zero out-of-pocket costs for employers and employees. This translates to a hassle-free healthcare experience, allowing participants to access essential health support without the financial strain typically associated with quality care.
Focusing on holistic well-being, this program removes common barriers to healthcare access, enabling individuals to make positive, preventative health choices for themselves and their families which overall improves health.
Generate Excitement: Customized Wellness and Financial Security Initiatives
Our tailored employee wellness programs, integrating the Self-Insured Medical Reimbursement Plan (SIMRP) and preventative services like telehealth, are strategically developed to address each employee's unique health needs. By focusing on individualized care, these initiatives foster a culture of wellness, elevate employee morale, and promote health savings through SIMRP—all while cultivating employees' worth.
Federal Program Highlights: Empowering Employees through Non-Taxable Benefits
Under the Affordable Care Act (ACA), non-taxable allowances through "Cafeteria Plans" allow employees to allocate pre- tax free savings funds toward select supplemental benefits, including:
- Accident Insurance
- Critical Illness Coverage
- Cancer Care Protection
- Disability and Life Insurance
These pre- tax free savings benefits effectively reduce employees' incomes, enabling them to lower out-of-pocket costs while achieving greater financial stability.
Advantages of ACA Supplemental Benefits
Supplemental benefits play a crucial role in protecting families against unexpected financial challenges. Key savings opportunities include:
- Allowance for Supplemental Benefits: Reduces out-of-pocket costs, providing financial support during critical times.
- Accident Benefits: Offers immediate cash benefits, enhancing financial security when filing claims.
- Reduced Financial Burden: Alleviates unexpected costs, reduces credit dependency, and ensures emergency preparedness
Critical Reasons for Employee Participation in ACA Programs
Employees benefit from participating in ACA programs in multiple ways:
- Zero Out-of-Pocket Costs: Access essential coverage without added financial strain.
- Income Protection: Safeguard family income from unexpected health events.
- Minimized Credit Reliance: Reduces the need for credit in emergencies, supporting financial resilience.
- Proactive Health Planning: Helps employees prepare for potential health risks, including genetic conditions.
- Children's Coverage: Supports active children's care without adding to family financial pressures.
- Accident Assistance: Provides support with daily living expenses during recovery, promoting stability.
Benefits of ACA Programs for Nonprofit Organizations
Nonprofit organizations gain significant advantages from ACA programs, including:
- Payroll Tax Savings: Lowers tax liabilities, allowing nonprofits to redirect funds toward critical missions and operations.
- Reduced WorkersWorkers'sation Costs: Decreases gross wage expenses, easing financial pressures on the organization.
- Increased Employee Satisfaction and Retention: Boosts morale through additional benefits, enhancing long-term employee loyalty.
Nonprofits can strengthen donor relationships by highlighting these savings opportunities and encouraging reinvestment in their missions. Furthermore, collaborations with other nonprofits can foster a strong network for mutual success and growth.
Conclusion
ACA programs offer strategic advantages for employees and nonprofit organizations, reducing financial burdens and promoting sustainable growth. We invite you to schedule a consultation to explore how these programs can enhance your organization's economic well-being that improves health and employee support.
Our Advisory Consultants
Nonprofit Workers' Pro Advisory Consultants are dedicated to helping organizations identify substantial savings through the Self-Insured Medical Reimbursement Plan (SIMRP). They primarily focus on tax free savings and enhanced employee wellness health benefits, including telehealth and preventative wellness programs. Businesses of all sizes, from small enterprises to large corporations, can achieve workers' financial advantages by strategically leveraging payroll tax reductions and Workers' Compensation savings.
Estimated Savings by Business Size
- Small Businesses (25 Employees)
- Payroll Tax Savings: Estimated at $12,500 or more savings for Employers'annually
- Workers' Compensation Reduction: Estimated at $300,000
- Medium Businesses (100 Employees)
- Payroll Tax Savings: Estimated at $50,000 or more savings for Employers' annually
- Workers' Compensation Reduction: Estimated at $1,200,000
- Large Businesses (500 Employees)
- Payroll Tax Savings: Estimated at $250,000 savings for Employers' annually
- Workers' Compensation Reduction: Estimated at $6,000,000 Reducing Workers' Compensation Premiums by 15-20%
Through proactive safety measures, refined return-to-work policies, and the strategic use of government incentives, reduce Workers' Compensation premiums by 15-20%. Regular policy reviews and obtaining competitive quotes also enhance cost efficiency, particularly in California, where state-specific programs offer additional financial benefits.
Advantages of ACA-Compliant Programs for California Organizations
Federal programs that comply with the Affordable Care Act (ACA) provide various benefits, including reduced taxable wages, enhanced cost predictability, and increased employee satisfaction. Compliance with ACA regulations enables organizations to avoid penalties, attract top talent, and maintain a competitive edge, positioning them for growth even in challenging economic conditions.
Nonprofit Organizations and the ACA Incentive Program
Nonprofit organizations can also use the ACA Incentive Program, which facilitates payroll tax savings and reduces Workers' Compensation expenses. Communicating these savings to donors can strengthen relationships and encourage more significant contributions, ultimately supporting the nonprofit's mission and objectives.
Mock Payroll Process for ACA Compliance
Our mock payroll process ensures ACA compliance by collaborating with payroll service providers to perform a "before-and-after" simulation, establish quality control, and validate all aspects of the payroll transition. This process provides confidence and ensures a smooth shift to ACA-compliant programs, reducing risks and enhancing compliance.
Call to Action
Unlock Savings and Enhance Financial Health
Explore how SIMRP and ACA-compliant strategies can maximize savings and the organization's financial well-being. Please schedule a consultation with our Pro Advisory Consultants to learn more about unlocking these benefits for your business which improves health throughout your organization.
What we promise
Our firm is committed to a collaborative consulting approach to building close partnerships with each client. We prioritize understanding your organization's unique needs, especially preventative employee benefits and telehealth services. We aim to develop tailored solutions that align with your organization's objectives in employee wellness and benefits programs.
Our Approach: Transparency, Customization, and Results
We emphasize transparency and deliver tangible, impactful results that directly contribute to your business's success. By integrating supplementary and preventative benefits, we aim to enhance employee well-being which improves health, elevates productivity, and positively transforms your organization's operations.
Simplifying Complex Solutions for Maximum Value
While the details of our strategy may initially seem complex, I welcome the opportunity to clarify our approach further. Our Self-Insured Medical Reimbursement Plan (SIMRP) is designed to provide cost-effective health benefits that reduce your organization's healthcare expenses and generate significant tax free savings. This innovative plan, combined with our Attentive Care Management Program, represents a crucial component of our strategy, offering substantial value to your organization.
A Partnership for Mutual Success
We sincerely appreciate the time and consideration you have extended to us, and we are genuinely enthusiastic about the prospect of collaboration. Yoorganization'sn's success is directly linked to ours, and we look forward to working together to implement strategies that drive meaningful cost savings. With SIMRP and the Attentive Care Management Program, we can initiate these savings immediately and position your organization for sustained financial health.
Call to Action: Schedule Your Free, No-Obligation Consultation. Let's explore how these solutions can support the organization's goals. We invite you to schedule a free, no-obligation consultation to discuss the transformative potential of our programs and begin your journey toward enhanced employee well-being and financial savings.
The Mayo Clinic: Excellence in Patient-Centered Healthcare
The Mayo Clinic, an internationally renowned medical institution, is celebrated for integrating advanced treatments, pioneering research, and an unwavering commitment to patient-centered care that improves health. This unique combination enables the Mayo Clinic to bring world-class expertise and innovative solutions to our programs, enhancing the healthcare experience for every participant.
Our healthcare approach embraces immediate and long-term needs, incorporating the latest advancements in medical science and clinical innovation. Recognizing that health needs can evolve, we prioritize a proactive, adaptable approach to employee wellness care.
Personalized, Holistic Healthcare
Our commitment is centered on creating a supportive and personalized commitment environment. Each participant benefits from tailored treatment options designed in collaboration with Mayo Clinic's highly skilled healthcare professionals. Through access to the latest medical breakthroughs and technologies, participants receive targeted support that aligns with their unique health profiles.
Empowering Participants for Optimal Health
Our collaborative approach empowers individuals to participate actively in their healthcare journey. By equipping participants with the tools, knowledge, and resources necessary to achieve optimal health outcomes, we strive to enhance their overall quality of life.
This partnership makes participants feel informed, valued, and actively engaged in managing their health through tax free savings.
Conclusion: The Mayo Clinic's commitment to personalized, state-of-the-art care underscores our mission to provide transformative healthcare experiences. We aim to foster a journey prioritizing an individual's health and well-being.
Attentive Preventative Wellness & Supplemental Program
Attentive Preventative Wellness and Supplemental Care Management Program (SIMRP)
The Attentive SIMRP Preventative Care Management Program is a standout solution in employee wellness, offering a compliant and tax-efficient approach. As a Self-Insured Medical Reimbursement Plan (SIMRP), it has been carefully structured to meet IRS regulations (IRC Sections 213(d), 106(a), 105(b), 1.105-11(i), and 104(a)(3)), as well as ERISA, HIPAA, and ADA standards. This compliance-focused model provides both preventative care and financial advantages, making it an ideal choice for employers and employees.
Essential Components and Benefits of the Attentive SIMRP Program
1. Comprehensive Wellness Integration
The Attentive SIMRP Program is designed to integrate seamlessly with ACA-approved medical plans, forming a compliant Section 105 integrated plan. This structure allows employees to access a wide array of preventative health services—including telehealth, tele-dentistry, family and financial counseling, and specialized programs for weight management and diabetes care—without any additional out-of-pocket expenses. This ensures that employees' health needs are met holistically and cost-effectively.
2. Tax Efficiency for Employers and Employees
The SIMRP Program delivers significant tax advantages by enabling pre- tax free savings deductions by IRC 106(a) and Section 125 Cafeteria Plan guidelines. This structure reduces taxable income, yielding payroll tax savings for employers and lowering employee tax liability. For example, employers save approximately $590 per employee annually in payroll taxes due to reduced taxable wages. Additionally, reimbursements for medical expenses under Section 213(d) are provided post-tax and excluded from the employee's gross income under Section 105(b), aligning fully with IRS regulations.
3. Compliance and Flexibility
The Attentive SIMRP is meticulously structured to meet all relevant regulatory requirements, including ERISA, HIPAA, and ADA standards. By adhering to these guidelines, the program offers employers and employees a compliant, flexible solution with preventative benefits valued at an average of $14,076 per employee per year. Employers benefit from simplified administrative processes, reduced costs for 941 payroll filings, and potential Workers' Compensation premium reductions in select states. This compliance-first approach ensures a legally sound wellness model, providing employers with confidence and financial advantages.
Implementation Requirements
To qualify for the SIMRP Program, employers must meet the following criteria:
- Health Insurance Coverage: It would be ideal if all employers offered group health insurance, but a key benefit of this program is that as long as you have coverage, you qualify
- W-2 Employees: The program is available to businesses employing W-2 workers.
- Minimum Income Threshold: Employers must meet a specified minimum employee income threshold.
Additionally, employers must facilitate annual employee engagement with the Preventative Care Management Portal, ensuring compliance through employee login records. These implementation requirements ensure that all eligible employers and employees can effectively use the SIMRP benefits.
Paycheck Adjustments for Employees
Employees participating in the SIMRP Program will observe specific adjustments on their pay stubs:
- PCM Pre-Tax Deduction: A pre-tax deduction that lowers taxable income.
- SIMRP Post-Tax Reimbursement: Reimbursements that reflect the tax-saving benefits of the program.
- Attentive Fee: A nominal fee to maintain access to the program's services.
These adjustments are structured to reduce the employee's taxable income and lower tax withholdings without affecting net take-home pay, ultimately enhancing financial well-being.
Summary: A Comprehensive Solution for Wellness and Financial Security
The Attentive SIMRP Preventative Care Management Program combines preventative wellness benefits with substantial financial savings. This integrated, compliant model supports employee health, enhances employer financial performance, and ensures adherence to federal regulations. With the SIMRP Program, employers can provide a robust benefits package that promotes well-being, saves on payroll taxes, and reinforces confidence in a legally sound approach to preventative care.
Call to Action: Explore the transformative potential of the Attentive SIMRP Program. Schedule a free, no-obligation consultation today to learn how this program which improves health can benefit your organization.
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