Capstone Plans: An Employee Benefit They'll Use, at Zero Net Cost to You!
Reward Your Employees with a Capstone Health & Wellness Plan
- Reduce Your Employees' Out of Pocket Medical Costs
- Reduce Your Employer Payroll Taxes
- Zero Net Cost to the Business or Your Employees
- An existing inforce group health plan is not required.
Does My Business Qualify?
Am I Too Big or Too Small ?
Capstone Plans are designed for businesses that care about retaining and rewarding their employees, and are designed for businesses that have at least 10 - 1,000+ full time U.S. based employees. (Eligible employees may not be a more than 2% owner of the business and be under 70 years of age.)
Is this benefit "legal" ?
Yes. Capstone Plans are administered under the provisions of the Affordable Care Act and Internal Revenue Code Section 125 and others. This program does not change or replace any existing employee benefit plan(s), and a business may have more than one "Section 125 Plan" in force at any time.
How do my employees reduce their out of pocket medical costs ?
Many illnesses, injuries, and some emergency situations can be diagnosed and successfully treated (with no out-of-pocket outlay) using state-of-the-art telehealth protocols that are part of the Capstone Programs. Plan participants save time and money by eliminating the need for many in-office doctor visits or other "services" and thus eliminating the usual out of pocket co-pays.
There’s also an Rx benefit, where 30+ of the most commonly prescribed medications are provided at no cost; and significant discounts are available on many other drugs.
These cost saving opportunities are provided not just to your employee, but to the rest of their immediate family as well.
How does the business save money?
By implementing a Capstone Plan, the employer/business may realize a reduction in their matching payroll taxes. The details of this savings component is specific to each business, and will be explained in more detail in a personal conversation.
The "average" payroll cost savings - for discussion purposes - is about $500 per participating employee per calendar year.
How are these plans paid for?
The plans and benefits provided by the Capstone Plans are funded entirely by legal tax savings, resulting in zero net costs to either the employee or the employer.
How can I get more detailed information about this opportunity?
Reach out to us through the links below.
Please reach out to me at marty@ellnerfinancialnetwork.com when you'd like more information or wish to engage!
Or, schedule a time to talk with me at:
An Additional Benefit for your Employees & Their Families
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