Better benefits. Lower payroll costs.
Help employees take home more while reducing employer payroll tax expense, without replacing your existing major medical plan.
Powered by Universal Care Groups
- Average employer savings per participating employee per year
- $681+
- Average employer savings per participating employee per year
- Client renewal rate
- 93%
- Client renewal rate
- Approved and fully insured in all 50 states
- 50 states
- Approved and fully insured in all 50 states
More take home pay. Lower payroll taxes.
Most employee benefits cost the employer more. This one is designed differently.
Employees elect qualifying benefits with pretax dollars through an established Section 125 structure. Those dollars are removed from the FICA wage base, which can reduce payroll taxes for both the employer and employee.
The program pairs that structure with fully insured supplemental hospital coverage and a broader suite of employee health benefits.
For employers
Pay less employer FICA on qualifying pretax benefit elections. The savings recur through payroll as employees participate.
For employees
Lower taxable wages can reduce payroll taxes and may increase take home pay, depending on individual tax circumstances. Employees also gain access to additional health and wellness benefits.
Keep your major medical. Add the benefit. Capture the savings.
The program supplements existing health coverage. It does not replace it.
Benefits your employees can actually use.
This is not just a payroll tax strategy. Employees receive a broad package of health, wellness, prescription, workplace, and supplemental insurance benefits.
Virtual Urgent Care
AI driven intake and asynchronous physician consultation. $0 copay.
Virtual Primary Care
Scheduled visits with board certified physicians for chronic condition management and ongoing care.
Mental Health Support
Licensed therapists, peer support, phone and video access, and anonymous support options.
Integrated Rx Savings
200+ prescriptions free. Discounts across 55,000+ FDA approved medications at 80,000+ pharmacies.
Biometric Screening
Finger stick blood testing and physician review designed to identify risks such as diabetes, heart disease, and hypertension.
DNA Screening
Personalized nutrition, fitness, and skin health insights based on individual genetic information.
Health Risk Assessment
Ongoing assessment designed to identify future health risks using current and past medical history.
Work Shield
Anonymous workplace harassment reporting and resolution. 6,500+ incidents resolved in fewer than five days.
Hospital Indemnity Plan
Fully insured supplemental coverage that pays defined cash benefits directly to employees for hospital admissions, emergency room visits, ambulance services, and other covered events.
No employee out of pocket cost for the program benefits as configured. Existing major medical coverage stays in place.
See your numbers before you decide.
You should not have to guess whether the program works for your workforce.
Start with a basic workforce census. No personal employee data is required for the initial analysis.
Ryze coordinates a custom pro forma showing projected employer savings and employee impact side by side.
Proof point
$681+
average employer savings
Universal reports average employer savings of more than $681 per participating employee per year, with higher potential savings under certain program configurations.
We do the heavy lifting.
Adding a benefit should not create another full time job for HR. Universal handles the program implementation while Ryze coordinates the relationship.
- 1
Share a basic census
Provide enough workforce information to build the initial pro forma. No personal employee data is needed to start.
- 2
Review the economics
See projected employer savings and employee impact before moving forward.
- 3
Complete setup
Universal coordinates plan documentation and works with your payroll provider to establish and test the required payroll setup.
- 4
Educate and enroll employees
Universal provides enrollment materials and workforce education to help employees understand the program.
Typical implementation: 30 to 60 days.
Built on an established framework.
Section 125 has been part of the Internal Revenue Code since 1978 and is the same general tax framework behind familiar pretax employee benefits.
The program combines that established structure with state regulated, fully insured supplemental hospital coverage.
Relevant authorities include IRC §125, Treasury Regulation §1.125, and IRS Publication 15-B.
Your CPA, attorney, benefits advisor, or other professional advisor is welcome to review the structure and supporting documentation.
- Established Section 125 framework
- Since 1978
- Established Section 125 framework
- Supplemental coverage
- Fully insured
- Supplemental coverage
- Typical implementation
- 30 to 60 day
- Typical implementation
See what the program could mean for your workforce.
Better benefits for employees. Lower qualifying payroll tax expense for the employer. And the ability to see the projected economics before making a decision.
Send Ryze a basic workforce census and we will coordinate your custom pro forma.