No net cost
The plan is funded through pre-tax payroll savings, so the company never pays for employee benefits out of pocket.
Lower payroll taxes.Higher take-home pay.A healthier workforce.
Federally incentivized preventive care programs for mid-size and large employers
Hartwell & Crane connects employers with a preventive care and wellness program built on Affordable Care Act and IRS Section 125 provisions. It sits alongside your existing health plan, adds no out-of-pocket cost for your company and is designed to reduce payroll taxes while increasing your employees' take-home pay.
strategy call
What do leadership teams ask first?Almost always the same three questions.
“Can we add a meaningful benefit without adding cost?”
“Will it disrupt the health plan we already have?”
“Who is going to run it, and how much of HR's time will it take?”
The program was built to answer all three: no net cost, no change to your primary plan and no ongoing work for HR.
A win for the company.
A win for every employee.
Employer savings
Lower FICA matching on every enrolled employee, every month. The larger your workforce, the more those payroll tax savings add up.
Bigger paychecks
Most qualified employees take home more each month than before they enrolled, while gaining new health benefits for their families.
Turnkey for HR
Enrollment, employee education, payroll setup and monthly reporting are handled for you. Once live, it requires no ongoing HR administration.
For employees and up to five family members
Benefits with
no copays
- Virtual urgent care24/7, no copay
- Primary careNo out-of-pocket cost
- Mental health support24/7 clinical access
- PharmacyBroad formulary, no copay
- Weight health and coachingPhysician-supervised programs
- Wellness libraryCoaching, webinars, self-assessments
From first call
to first paycheck
Request a payroll analysis 01
Introduction
A short overview with your leadership team to walk through how the program works and answer questions.
02
Payroll analysis
Share a census and year-to-date payroll. Within days you receive a proposal showing your company's payroll tax savings and each employee's increase in take-home pay.
03
Employee education
Webinars, email, text and call outreach, printed guides, a 24/7 call center and on-site support when needed.
04
Launch and reporting
Payroll deductions and reimbursements are automated, with monthly reporting on usage and savings.
Who qualifies
W-2 employeesContractors and 1099 workers are not eligible.
Full time30 or more hours per week, as defined by the ACA.
Existing coverageAny primary health plan qualifies, including a spouse's plan or the marketplace.
Our approach
A connector, not a middleman.
Most employers have never heard of these incentives, and few benefit advisors bring them up. I introduce leadership teams to the program, run the numbers against their own payroll and stay involved from the first call through launch.
Each enrolled employee can add up to five family members, so the larger the family, the greater the value.
Keanen KastenFounder & Principal
Actual results depend on each employee's wages, tax withholdings and state of residence; some employees may not qualify without a contribution. Program incentives are based on current federal law. Hartwell & Crane does not provide tax or legal advice; please consult your tax advisor.