WHAT IS HEALTHCUES?
• HealthCues is an all-inclusive preventative healthcare management program that supplements insurance plans. • Using established part 125 preventative healthcare tax code, HealthCues incentivizes preventative healthcare for employees while also benefiting both employees and employers through tax savings. • We are addressing two major concerns in the workforce today: Recruitment and Retention
WHY HEALTHCUES?
INCREASED ENGAGEMENT Our program makes it convenient for all employees to engage, to help reduce employee downtime and major medical claims. Employees use our services at a rate 4X the industry average.
WE EDUCATE YOUR EMPLOYEES AND SUPPORT YOUR MANAGEMENT HealthCues informs your employees about their benefits and how to access them prior to launch. Our team and call center also handle all employee questions so your HR and Management team don’t have to use their time to support the program.
FULLY FUNDED AND INSURED Our program is HIPAA compliant, fully funded, and fully insured, as well as approved by the department of insurance to be implemented in all 50 states. SAVES YOU AND THE EMPLOYEE MONEY All enrolled employees will see an increase in net take home pay of up to 6%. Employers will realize an average annual net payroll tax savings of $600.00-$800 per employee The HealthCues program can positively impact your workers compensation premiums.
Employer Savings Example
Savings Per Employee Per Month: $91.80 Per year: $1,101.60
With HealthCues With HealthCues
Without HealthCues Without HealthCues
Difference Difference
Gross Income
$2,600.00
$2,600.00
0.00
HealthCues Pre-Tax Premium
$0.00
$1,200.00
$1,200.00
Administration Cost Per Employee* Per Month: $40 Per Year: $480
Employee’s Monthly Gross Taxable Income
$2,600.00
$1,400.00
$1,200.00
Employer’s Monthly FICA Contributions
$198.90
$107.09
$91.80
Employer’s Annual FICA Contributions
$2,386.80
$1,285.20
$1,101.60
Gross Annual Employer’s Savings
$0.00
$1,101.60
$1,101.60
Annual Employer Savings Annual Employer Savings Annual Employer Savings
On Plan 1200 Employee Premium
$1,200.00
$621.60
Net Annual Employer’s Savings Per Employee
Net Savings Per Employee After HealthCues Fee
On Plan 900 Employee Premium
$900.00
$346.20
Per Month: $51.80 Per Year: $621.60
On Plan 750 Employee Premium
$750.00
$208.50
This material has been prepared for informational purposes only and is not intended to provide, and should not be relied on for tax, legal or accounting advice. Employees and employers should consult their own tax, legal and accounting advisors before engaging in any transaction. The above is an example using sample information. HealthCues can not guarantee the same favorable tax outcome in all situations as federal and state tax laws are continuously changing. The benefits paid under this program may be taxable income. We recommend each group seek tax advice from a professional advisor prior to purchasing. *The administration cost is a separate fee charged to the employer.
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MONTHLY PAYCHECK EXAMPLE
PREMIUM PAYMENT
EXAMPLE OF EMPLOYEE PAY MAKING $31,200.00 WITH AND WITHOUTWELLNESS PROGRAM.
TAX SAVINGS OF $267.24 OFFSETS NET COST OF $200.00
WITHOUT HEALTHCUES
WITH HEALTHCUES
DIFFERENCE
• TELEMEDICINE • PREVENTATIVE HEALTH CARE PROGRAMS • LIMITED BENEFIT HEALTH
$2,600.00
$2,600.00 $1,200.00
$0.00
GROSS INCOME
HealthCues Pre-tax Premium
$0.00
$1,200.00
$67.24
$806.88
Taxable Income Tax Withholding
$2,600.00
$1,400.00
$1,200.00
$443.91
$176.67
$267.24
HealthCues Claim Payment
$0.00
$1,000.00
$1,000.00
PER MONTH INCREASE
PER YEAR INCREASE
$67.24
Net Take Home Pay
$2156.09
$2223.33
INCREASE IN TAKE HOME PAY USING H EALTH C UES PROGRAM
Tax Withholding Federal Tax
$189.67 $161.20 $37.70 $26.74 $28.60 $443.91
$54.17 $86.80 $20.30
$135.50 $74.40 $17.40 $26.74 $13.20 $267.24
Social Security
$2156.09
Medicare State Tax
Two Thousand One Hundred Fifty Six and Nine Cents
$0.00
SDI
$15.40 $176.67
$2223.3 3
Total Tax Withholding
Two Thousand Two Hundred Twenty Three and Thirty Three Cents
* The above is an example using sample information. HealthCues cannot guarantee the same favorable tax outcome in all situations as federal and state tax laws are continuously changing. The benefits paid under this program may be taxable income. We recommend each group seek tax advice from a professional tax advisor prior to purchasing.
Limited Benefit Hospitalization Plan
Without HealthCues PLAN 1500
Difference PLAN 1050
PLAN 1200
PLAN 900 PLAN 750 PLAN 600
Limited Benefit Health Plan Options
$1,500
$1,200
$1,050
$900
$750
$600
Monthly Pre-tax Premium
Initial Hospital Admission Benefit Benefit Payable per Day of Initial Confinement
$1,000 1 Day
$750 1 Day
$750 1 Day
$500 1 Day
$500 1 Day
$250 1 Day
Maximum Number of Days Payable
Daily In-Hospital Benefit Benefit Payable per Day of Initial Confinement
$1,000
$750
$750
$500
$500
$250
29 Days
15 Days
5 Days
5 Days
3 Days
1 Day
Maximum Number of Days Payable
Emergency Room Benefit Benefit Payable per Day
$300
$250
$200
$150
$100
$100
2 Days
2 Days
2 Days
2 Days
2 Days
2 Days
Maximum Number of Days Payable
Ambulance Benefit Benefit Payable per Day
$500
$250
$200
$150
$100
$100
2 Days
2 Days
2 Days
2 Days
2 Days
2 Days
Maximum Number of Days Payable Indemnity Claim Payment Benefit Payable per Month Maximum Number of Months Payable
$1,200
$1000
$875
$750
$625
$500
12 Months
12 Months
12 Months
12 Months
12 Months
12 Months
MORE DETAIL OF EMPLOYEE BENEFITS
INITIAL HEALTH SCREENING
IINTEGRATED RX PROGRAM
VIRTUAL CARE ($O COPAY)
Health Risks Assessments Biometric* & DNA Screenings
Virtual Urgent Care Virtual Primary Care Virtual Mental Health Support Virtual Vet
Discounts for over 55,000 FDAapproved drugs at over 80,000 pharmacies nationwide. 200 of the most commonly prescribed drugs for free
HEALTH COACHING & CONFIDENTIAL SUPPORT ASSISTANCE
Primary Care Physicians Healthy Goals Weight and Disease Management
Nutrition Education Chronic Conditions Support
Work Shield Medical Procedure Pricing Smoking Cessation Cambridge Credit Counseling
ABOUT HEALTHCUES
1. FULLY INSURED HOSPITALIZATION PLAN This plan helps with out-of-pocket medical costs, up to $1,200 per month. This is a policy with defined indemnity claim benefits as well as reimbursement for certain medical benefits. 2. SECTION 125 CAFETERIA PLAN This provides participants the opportunity to receive certain benefits on a pre-tax basis while also utilizing tax advantages under Section 125. 3. PREVENTATIVE HEALTHCARE SERVICES AND SOLUTIONS State of the art health tracking software, 24/7 telemedicine with $0 co-pay, online learning modules, health screenings and more. *THIS IS ALL PROVIDED AT NO OUT-OF-POCKET COST TO THE EMPLOYEE.
WHAT HEALTHCUES OFFERS
• Health Benefits: DNA screenings, health coaching, biometric screenings, telemedicine, behavioral health, and more • Hospitalization Plan: Employees have access to hospitalization insurance to help with out-of-pocket costs • Increase Take Home Pay: Employees on the program will see an increase in take-home pay with participation and no out of pocket cost • Happier, Healthier Employees: Employers will have happier, healthier employees • Employer Savings: Employers on average will save $600-$850/employee per year in payroll tax savings with no out-of-pocket cost
*This program does not replace major medical insurance, It is intended to supplement your current offerings not replace them.
COMPLETE YOUR HEALTH OPTIMIZATION ACTIVITIES RIGHT ON OUR MOBILE APP.
Search "HealthCues" To download the app now.
PROTECTING PEOPLE, ORGANIZATIONS, AND CULTURES A technology driven end-to-end solution for handling employee complaints to mitigate litigation, reduce risk and protect your company
$5.42B
$160K
1 in 3
61%
PAID DURING 2022 FOR REPUTATIONAL AND EMPLOYEMENT RELATED LITIGATION AND EEOC SETTLEMENTS
ORGANIZATIONS THAT WILL HAVE AN INTERNAL HARASSMENT OR DISCRIMINATION ISSUE EACH YEAR
EMPLOYEES WHO HAVE EXPERIENCED SOME FORM OF HARASSMENT OR DISCRIMINATION
AVERAGE COST TO DEFEND AND SETTLE A CLAIM
Comprehensive Solution: Work Shield offers anonymous reporting, but what sets them apart is that they manage the entire investigation process (with attorney-client privilege with the employer) in collaboration with your team, reducing your burden significantly. Rapid Response: Their efficiency is unmatched. Over the past four years, they have resolved nearly 6,500 incidents in less than 5 days on average – 80% faster than the national average. Proven Success: 160,000+ employee lives covered, not one of their clients has faced litigation, fines, penalties, or reputational damage, nor have they had to pay any attorneys fees or hush money. Sample of Work Shield’s Clients: Fogo de Chao, Mattress Firm, Omni Hotels, True Food Kitchen, TXOA (Texas Chick-fil-A's), City of Fort Worth, Oklahoma City, DFW Airport, and many more.
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Introducing HealthCues SMART VIRTUAL CARE VIRTUAL URGENT CARE Initiate and complete visits at your own
INTEGRATED RX SAVINGS Prescription discount card provides access to over 55,000 FDA-approved medications, 40% of which cost $10 or less, at over 80,000 pharmacies nationwide. Imagine all you could do with the savings! Provides over 200
VIRTUAL PRIMARY CARE (by scheduled appointment) More convenient, healthier long-term outcomes for your chronic conditions and general health. Receive support for your chronic condition(s) by creating a relationship with a board certified physician in the palm of your hand. Schedule appointments, screenings, labs, and follow-up care with ease.
convenience. Intake-to-diagnosis is completed via an Ai-driven smart
questionnaire and asynchronous physician consultation. Our process is preferred by patients; Faster, more convenient and $0 per use. Phone and video consultations available.
of the most commonly prescribed prescriptions for free (Click here).
MENTAL HEALTH SUPPORT Access mental health support via a scheduled phone or video call through mental wellness therapy (licensed mental health professionals) If you are in a crisis situation, please call or text the 988 Suicide & Crisis Lifeline.
VIRTUAL VET No expensive, urgent care veterinary visits needed for your family pets. Access licensed veterinary professionals via video or phone for advice and guidance.
$0 per visit
For you and your dependents
HealthCues services are provided in accordance with local, state, and federal laws. Our providers may diagnose, treat and prescribe medication if medically necessary. Providers do not prescribe for substances controlled by any federal (DEA) or state agency or other drugs that may be harmful because of their potential for abuse.
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24/7 TELEMEDICINE & TELETHERAPY WITH $0 COPAY (FOR FAMILY)
INCREASE IN TAKE-HOME PAY (PAY LESS IN TAXES)
STATE-OF-THE-ART HEALTH TRACKING SOFTWARE
ACCESS TO HOSPITALIZATION PROGRAM
Companies We Work With
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Representative clients are independent franchise owners and parent corporations.
Together, We Can Make Preventative Health Care Worth It For Your Employees
A healthier, happier workforce starts with HealthCues (866) 418-7072 | info@healthcues.com
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