125 Plan Preventive Care Coverage for Employees
What is Preventive Care?
Preventive Care includes healthcare services that help prevent illnesses or detect them early when they are easier to treat. These services are essential because they can reduce long-term healthcare costs, improve the quality of life for employees, and help catch health issues before they become serious.
Under Preventive Care, employees can access services like:
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Vaccinations
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Screenings for conditions such as diabetes, high blood pressure, and cancer
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Health counseling and wellness programs
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Routine check-ups to ensure overall well-being
By offering these services, employees can stay healthier and more productive, reducing sick days and lowering healthcare costs for your business.
How Does a Section 125 Plan Cover Preventive Care?
A Section 125 Plan offers a way for employees to pay for certain health-related expenses with pre-tax dollars. This includes Preventive Care benefits like vaccinations, screenings, and checkups. When businesses set up a Section 125 Plan, they allow employees to pay for Preventive Care services before taxes are deducted from their paychecks.
The beauty of this system is that employees save money on taxes, while employers also benefit from lower payroll taxes. The pre-tax deductions for Preventive Care not only help employees save money on health-related costs but also encourage them to take care of their health by making these services more accessible.
For example, if an employee needs a yearly checkup, the cost of that checkup can be paid for with pre-tax dollars, which lowers their taxable income. This means they end up paying less in taxes, making preventive healthcare more affordable.
Why Preventive Care Makes Business Sense
Healthy employees build stronger businesses Preventive care helps your team catch issues early so small problems don’t become big setbacks It keeps your workplace running smoothly while showing your staff you care All with no extra cost when built into a smart plan. When health issues go unchecked, they turn into bigger problems—emergency visits, long absences, or even medical leave.
With preventive care built into your benefits package:
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Employees catch health risks early
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Productivity stays steady
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Healthcare costs stay lower
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Your team sees you as a supportive employer
Plus, offering this benefit through a Section 125 Plan means you’re not adding new costs—you’re reducing taxes.
Why Employees Use This Benefit
Preventive care is a benefit employees can actually use—and that matters. Unlike more complex coverage options, this is simple, direct, and instantly valuable. Employees like it because:
They don’t have to worry about out-of-pocket costs
Appointments are easy to schedule
It fits into busy lives and family care
It promotes long-term health, not just short-term fixes
It removes the stress of wondering what’s “covered”
It’s a benefit that makes employees feel supported—not confused.
Offer Preventive Care Without Extra Costs
Help your team stay healthy without raising your budget. Preventive care through a Section 125 Plan gives employees access to essential checkups and screenings—covered in full and funded pre-tax.
What this benefit offers:
Annual wellness visits and screenings
No out-of-pocket costs for employees
Lower employer payroll tax liability
A healthier, more productive workplace
Start Offering Preventive Care Today
Get a free savings estimate and connect with a trusted provider who can build your compliant benefit package—fast, easy, and affordable.
Want to See What You Could Save?
Use our free calculator to find out how much your business could save by offering preventive care through a Section 125 Plan. In just a minute, you’ll get a clear picture of the tax savings potential—without filling out long forms or committing to anything.
Use the calculator to:
Estimate your annual payroll tax savings
See how employee participation affects results
Compare savings vs traditional raises
Understand benefit value per employee
Get ready to talk to a trusted provider
Disclaimer: Calculator results are for informational use only. Actual savings may vary based on participation, provider plan, and payroll structure.
Book Your Consultation
Explore how Section 125 plans could save your business over $1,000 per W-2 employee each year. Book a free consultation to see how much you could be losing by not having one.
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