Preventive Care Benefits Solutions
Independent business benefit strategies and educational resources powered through IronGate Business Advisors.
A structured way for employers to expand access to preventive care while meaningfully reducing healthcare-related costs for both the business and its employees.
Real §213(d) preventive care, delivered through a structured wellness program.
The Preventive Care Benefits Plan delivers real §213(d) qualified medical care to employees through a structured wellness program with favorable tax treatment for both employers and employees.
Each enrolled employee, along with up to 7 household members, receives continuous access to virtual primary care, virtual urgent care, mental therapy counseling, prescription coverage on 4,600+ generic medications, lab testing, and ongoing physician-directed care management at no out-of-pocket cost.
The program operates through two parallel transactions. The employee's pre-tax salary reduction funds participation in the wellness program. The plan delivers medical care through licensed clinicians and incurs the cost of that delivery. The §105(b) reimbursement corresponds to the actuarial value of the medical care delivered, independently established at 54.18% net actuarial value.
The plan pairs with an employer's existing major medical coverage and is structured to align with IRC §125, §105(b), §213(d), and the participatory wellness framework at 42 U.S.C. §300gg-4(j)(1)(B).
Average net FICA tax savings per full-time W-2 employee, per year.
Realized every payroll cycle — not a one-time credit.
Average employee tax savings per month.
Repurposed to fund expanded preventive benefits at no added cost.
Minimum eligibility — full-time W-2 employees.
Plus a $26,000 minimum annual income threshold to qualify.
A plan structured for everyone at the table.
Employee Eligibility
Full-time employees averaging 30+ hours per week and earning a minimum of $26,000 per year qualify for the program. Employees currently enrolled in Medicaid are not eligible.
Employer
Employers realize an average of $1,186 in net FICA tax savings per W-2 employee per year. This is a tax saving — not a credit — recognized at every payroll run. There are no admin fees on employer savings.
Employee
Employees average $250–$350 in monthly tax savings, which are then repurposed to fund expanded preventive benefits. Net take-home pay is designed to remain neutral.
Four mechanics. One compliant outcome.
Net pay stays neutral. Tax efficiency funds the benefits. Compliance is grounded in established Internal Revenue Code provisions.
Pre-Tax Deduction
A fixed pre-tax deduction is applied to the employee's paycheck under IRC §125, lowering taxable wages.
Employer FICA Reduction
Because wages are lower, employer FICA (7.65%) is calculated against a smaller base — generating real, recurring tax savings.
Post-Tax Reimbursement
A non-taxable §105(b) reimbursement restores the employee's net take-home pay so it stays neutral.
Benefits Funded
The created tax efficiency funds 213(d) compliant preventive benefits — at no out-of-pocket cost to the employer or employee.
A comprehensive preventive care platform.
Unlimited virtual primary care visits, per year. Available to the employee and up to 7 household members.
Unlimited virtual urgent care visits — available 24/7 to the employee and up to 7 household members.
Unlimited mental health counseling visits — available 24/7 to the employee and up to 7 household members.
4,600+ generic prescriptions at $0 copay, shipped directly to the home. Available to the employee and up to 7 household members.
Enrolled employee only. Includes 3 in-person primary care visits, access to 4,600+ prescriptions on the MEC formulary, and one CMP or CBC blood panel per year (after 90 days) — at no out-of-pocket cost. Hospital Bill Eraser is part of the MEC.
Included as part of the MEC. Historical average of 35% in hospital bill reductions.
Up to $150,000 death benefit with cash accumulation accessible after year 2.
One login for employees — no fragmented vendors or portals.
Real, in-person care with $0 copays.
The included Minimum Essential Coverage plan helps satisfy ACA requirements while giving enrolled employees access to preventive care, prescriptions, and hospital advocacy at no cost.
- $0 Copay3 In-Person Primary Care Visits Per Year
- $0 Copay4,600+ generic Rx at $0 copay (Doctegrity formulary)
- $0 CopayHospital Bill Advocacy, iTechnology, and Financial Assistance Programs
Reduce — or erase — hospital bills.
Hospital Bill Advocacy, iTechnology, and Financial Assistance Programs work together to reduce hospital bills for enrolled employees. Historical average: a 35% reduction in hospital bills.
- Direct advocacy with hospital billing departments
- Technology-assisted bill review and error detection
- Connection to financial assistance programs employees often miss
- Hands-on support — not just a phone number
Frequently asked.
A quick, simple 3-stage rollout.
Most companies go live within 5–8 weeks.
Discovery & Eligibility Review
We assess eligibility, walk through the math, and confirm whether this even makes sense for your business.
Implementation & Payroll Setup
We handle the technical payroll integration and compliance paperwork end-to-end.
Employee Onboarding
Employees are enrolled through a guided digital onboarding process and a 30-minute town hall.
What happens, week by week.
A clear, sequenced rollout from first call to first payroll savings.
Discovery Call
30-minute conversation with IronGate account executives to walk through the program.
Submit Payroll Data
Business submits requested payroll information for analysis.
Review Proposal
Business owner reviews projected savings and employee eligibility.
Sign Engagement Letter
Service agreement issued and signed.
Sign Carrier Paperwork
Insurance documents reviewed and signed.
Fill Out Census
Additional employee information provided.
Schedule Onboarding Townhall
30-minute Q&A for employees, hosted by IronGate.
Realize Savings — Next Payroll
Plan goes live. Savings generated each payroll cycle, benefits active.
Quiet, compliant, and effective.
"Scott walked us through the math, the compliance, and the rollout without any pressure. We expanded benefits for our team without raising payroll costs."
Operations Director
Regional services company
"The pre-tax structure is real, the savings showed up on the very next payroll, and our employees finally have meaningful preventive care."
Owner
Construction firm
"What I appreciated most was the compliance posture — clear references to §105(b) and §213(d), not vague indemnity language. Easy yes for our CFO."
Controller
Independent dealership group
Curious what this looks like for your business?
Start with a 30-minute discovery call. We'll walk through eligibility, the projected savings on your actual payroll, and whether the structure makes sense for your team.
Download the source materials.
The same overviews, FAQs, and compliance documents I share on a discovery call.
IronGate PCBP Overview
Program overview from the IronGate portal — how the Preventive Care Benefits Plan is structured.
Download PDFPreventive Care Benefits Program FAQs
Common questions about the program — eligibility, savings, and compliance.
Download PDFEmployee FAQs
Plain-English answers for employees about how the plan works on their paycheck and benefits.
Download PDFCompliance Guide
How the plan aligns with IRC §105(b), §213(d), and ACA participatory wellness rules.
Download PDFClient Process Overview
Step-by-step rollout from discovery call to first payroll.
Download PDFMEC Coverage for Employee
What enrolled employees receive under the Minimum Essential Coverage plan.
Download PDFMonthly Paycheck Example
Sample paycheck showing pre-tax / post-tax mechanics.
Download PDFMaterials provided by IronGate Business Advisors. For informational purposes only — does not constitute legal, tax, or accounting advice.
Partner With Us
Earn compensation for introducing qualified employers to a solution that helps businesses improve employee benefits while controlling costs.
Many professionals immediately recognize the value of this solution for their clients, customers, and business relationships.
This opportunity is a natural fit for professionals who already have trusted relationships with business owners.
If you're a:
...and you know employers who are looking for ways to improve employee benefits while controlling costs, we invite you to partner with us.
Referral partners simply introduce qualified businesses. Our team handles the education, implementation, and ongoing support.
Two Ways to Get Started
Learn More
Schedule a brief conversation to learn how the program works, who it is a fit for, and how referral partners are compensated.
Schedule a ConversationReady to Get Started?
Know employers who could benefit from this program? Complete your referral partner registration and receive your unique referral link immediately.
Become a Referral PartnerMost referral partners can complete registration in just a few minutes.
Many referral partners are insurance professionals, financial advisors, payroll providers, consultants, and business professionals who simply connect employers with solutions that can improve employee benefits. Schedule a conversation if you'd like to determine whether the program is a good fit for you.
Why Partner With Us?
- No product inventory
- No employee management
- No customer service burden
- Introductions only
- Ongoing support provided by our team
- Opportunity to create an additional revenue stream while helping businesses and their employees
Curious whether this fits your business?
Start with a short consultation. No pressure, no obligation — just a clear look at whether the math and the structure make sense for your team.
Scott Stewart Insurance serves as an independent educational and referral resource. Programs and solutions may be administered through third-party partners and affiliated providers, including IronGate Business Advisors. Availability, eligibility, and potential savings may vary based on employer structure, payroll setup, and plan participation.
Not tax or legal advice. Employers should consult their CPA, tax advisor, or legal counsel regarding implementation and compliance considerations.