Ripple Effect Connections

Wellness

A preventative wellness plan that may help employers and the people who work for them.

I know a lot of business owners, and one thing I hear again and again is that they want to take better care of their people without adding more cost or complexity. That is why I share this. It is a federally incentivized wellness plan for qualified employers and employees that works alongside a company’s existing health insurance and does not replace it.

How It Works in Plain Language

The plan pairs a Self-Insured Medical Reimbursement Plan (SIMERP) with a Section 125 cafeteria plan and a wellness plan. It is structured to be in compliance with ERISA, ADA, ACA and HIPAA. Only companies that qualify can offer it, and every company goes through a qualification review first.

What Employers and Employees May See

For Employers

The plan may reduce payroll costs for qualified employees, and most of the administration is handled by the plan provider, so the time asked of your HR team is small.

For Employees

Qualified employees and their families may gain access to benefits such as telehealth, mental health support, prescription savings, urgent care and a fitness platform, and many may also see an increase in take-home pay.

Who It May Fit

Is Your Company a Potential Fit?

This plan is designed for employers with at least ten W-2 employees. Not every company qualifies, and qualification depends on things like how many employees work full time and how they are paid.

What Happens Next

Start With a Conversation

We have a short, friendly conversation about your company.

Talk With the Specialists

If it looks like a fit, I connect you with the specialists, who walk you through whether your company qualifies, how the plan works, and answer your questions on a discovery call of about 20 to 30 minutes.

Setup Is Handled for You

If you decide to move forward, the specialists handle the paperwork and setup.

There is no pressure. The first step is simply finding out whether your company qualifies.

Want to See if Your Company May Qualify?

Let's Talk

Ripple Effect Connections is an independent referral partner and is not an employer, insurance company, or government agency. We may be compensated if a company qualifies and enrolls. This plan is supplemental and does not replace health insurance. Qualification is required, and results vary and are not guaranteed. Nothing here is insurance, legal, tax, or financial advice. Please speak with your own advisors before making any decision.