SIMERP - Self Insured Medical Expense Reimbursement Plan
Improve your benefit packages while promoting preventative health
Save money + increase take-home pay
All without increasing costs
Create an improved benefit plan - Better retain your top-talent - Maintain a healthier worforce
A SIMERP or Self-Insured Medical Expense Reimbursement Plan is rooted in the Affordable Care Act and IRS Tax Code.
This provides employers incredible tax savings while being 100% compliant - all while increasing take-home pay.
Qualifying companies can save over $636/year for each employee and increase employee take-home pay by an average of $100/month.
Only properly established and managed programs qualify.
Don't Delay - Turn Qualified Tax Savings From This Qualified Program Into A Differentiator For Your Business. Expand Benefits + Reduce Taxes
Compliance
The program is compliant with IRS publications
Legal Tax Strategy
Legitimate way to save thousands each year as a company
Enhanced Benefits
Supplemental health benefits that provide real value to your employees without hurting their take-home pay
Our SIMERP program is uniquely positioned to be paired with your qualifying ACA-approved medical plan to make an integrated 105 plan.
The program allows for pretax costs combined with a tax-free reimbursement amount. Not all businesses qualify - Use our eligibility tool to verify your business can participate and benefit from this program.
How Can SIMERP-Info Help Your Business?
7.5%+ FICA Tax Cost per Employee
- Capture $600+/year per employee in savings on those participating
- Full support for implementation and management to eliminate added administrative costs related to other programs
Increasing Health Care Premiums
- Employees on average are seeing premium costs increase by over 5%/year in recent years with no added value
- Provide immediate additional value to your benefit package and lower plan costs with a healthier workforce over time
Increasing Rates of Sick Days Taken.
- Studies have shown an 15% increase in sick-days taken by employees over the last five years - this is lost productivity.
- Provide improved preventative health programs and tools all while saving money and increasing take-home pay for your employees.
What is the Process?
1. Discovery Call
Starting with a Discovery Call, we provide additional program insights, answer initial questions, and ensure alignment and review timelines.
2. Census Collection
We assist your company to complete the census. This typically takes 3-7 days with our in-house Accounting team to calculate expected savings.
3. Proposal Call
With the Census completed, we schedule a time to discuss your anticipated tax savings and provide a detailed outlook for each employee.
4. Onboarding
Our Onboarding team will collect all intake forms, set up payroll codes, finalize enrollment, and assist with the kick-off webinar.
5. Enrollment
We offer various enrollment options tailored to the employer's needs, including virtual or onsite assistance and self-enrollment.
6. Active Case
After enrollment is completed and the program is activated, we provide customer service and help all new employees with enrollment.
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Mental Health
24/7 Access to Clinical Support
Streamlined Session Scheduling - Usually within 5 days
Mental Fitness App
AI Coaching and self-assessment tools
Weight Mangement
Physician Supervision
Weight-loss medications for eligible members
Personalized health coaching
Access to FitOn Program for top-tier fitness content & Workouts
Pharmacy Solutions
Medication Savings of 8-14%
Home Delivery for maintenance prescriptions
Pharmacy Discount Card
Pharmacist Consultations
Virtual Primary & Urgent Care
24/7 Access - Nationwide for members
Quick appointment times to get answers in minutes - not hours
No out-of-pocket Cost
US Board Certified Staff
Case Study #1
School District - Midwest
Challenge:
This school district in the midwest was struggling to keep budget approvals in-line with market expectations around benefit packages for their teachers. With over 350 faculty and teachers in the school district, they were looking for ways to enhance their benefits package and better retain their staff.
Solution:
Our program provided over $190,000 in annual savings on FICA taxes. Take-home pay also increased for participating teachers and faculty by an average of 7% - improving retention rates by over 18% in the first six months.
Improved Benefits without increasing premiums or costs
Increased after-tax pay for employees and higher retention rates
"For years we've had limited options to increase benefits and pay without getting approvals for budget increases. By implementing this new SIMERP program, we have finally been able to deliver on the needs and expectations of our faculty and teachers."
- District Superintendent
Case Study #2
Growing City Municipality - Northwest
Challenge:
As a growing municipality with budget constraints and demands to meet the expectations of its residents, this customer was anxious to find a way to get more with less.
Solution:
With our help, over 550 qualifying employees enrolled in the program. The City realized $350,000 in annual savings on FICA taxes. As a result of high utilization, the City also saw employee sick days reduce by 33% and employee satisfaction scores improve by 2X.
Immediate savings of $350k in year one
Major reduction in sick-days taken with a major improvement in employee satisfaction
"We want our city employees to be healthy and excited to come to work everyday so we can provide the best community possible for our residents. This program allowed us to really differentiate ourselves as an employer without increasing the tax burden on our residents. It's rare you find a win-win solution, but that is exactly what we found."
- City Mayor
Case Study #3
Professional Design Firm - Southeast
Challenge:
This privately owned design firm voiced frustration over seeing increasing premiums each year relating to their benefits package without seeing any additional value. The owner wanted to invest more into growing the 65 person firm while providing competitive pay and benefits.
Solution:
Once the program was in place, The owner was realizing an extra $3,000 per month in FICA savings. His employees saw their take-home pay increase by an average of $120/month with no changes to base pay rates, just tax savings.
Improvement in monthly cash-flow to facilitate growth
Higher take-home pay with an improved benefits package promoting preventative health and supplemental benefits
"With so many questionable tax-saving strategies out there that get pitched to business owners, I was very skeptical at first. After reviewing our proposal, I even asked "what's the catch?". After getting onboarded and going through the process, I tell everyone about this incredible program and can attest to the real impact and savings."
- Business Owner
Schedule a Call Now & Start Saving Today.
Our no-obligations review and discovery call and help determine if your company qualifies and provide estimated savings to the company and to your employees.
Frequently Asked Questions
Do all companies qualify?
While most all companies qualify, the savings can differ significantly. If your employees are W2 and they have current health insurance coverage then your company should qualify for the program.
Is this tax benefit temporary?
So long as there is no change to the current laws within the Affordable Care Act and associated tax code, your company and employees will continue to benefit from the program into the future.
How Long Does It Take?
This generally depends on how long it takes to complete the census, sign all required documents, and kick-off the program to get qualifying employees enrolled. However, most customers can be live with the program within 6 weeks.
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