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Section 125 Plan Primary Care Benefits are an excellent way for employers to offer employees affordable healthcare options while saving on taxes. These benefits, which are provided through a Section 125 Cafeteria Plan, allow employees to pay for primary care services using pre-tax dollars, reducing their taxable income.
By offering primary care benefits through a Section 125 Plan, businesses can provide employees with essential healthcare services like check-ups, vaccinations, screenings, and preventive care without the burden of high out-of-pocket costs. Employees can save on taxes, while employers can lower payroll taxes, making this a win-win situation for both parties.
Choosing Plan Primary Care Benefits boosts employee well‑being and cuts costs. Here are some of the important reasons why primary care employees benefits matter most:
All these wins come with no extra tax on employees’ paychecks, which is why businesses like offering a Section 125 Plan to their employees.
Launching primary care is straightforward. Begin by picking a plan administrator that offers a solid network of primary care providers. Draft plan documents that clearly list covered services and how to enroll. Communicate these details through emails, flyers, or quick videos so everyone understands benefits before open enrollment. After enrollment closes, share reminders about how to book visits and use the plan. Ongoing guidance keeps usage high and ensures employees get the care they need.
Most Section 125 primary care benefits include annual wellness exams, routine office visits, immunizations, and simple lab tests. Some plans add X‑rays, health screenings, or nutrition counseling. Clear service lists help employees choose the right care without guessing which visits count.
Enrollment usually happens each year during open season or after a life event—like marriage or adding a child. Staff fill out a short form and select how much to set aside for primary care. Payroll then deducts that amount before taxes. Employees receive an ID card to show at clinics, and providers bill the plan directly. This smooth setup means no extra steps after visits.
Yes, primary care physicians (PCPs) can be covered under Section 125 plans, depending on how the plan is structured. Section 125 plans allow employees to use pre-tax dollars for eligible health-related expenses, including visits to primary care physicians. Here’s how:
Health Insurance Premiums: Employees can use pre-tax dollars to pay for their health insurance premiums, which often cover primary care services.
Flexible Spending Accounts (FSAs): FSAs can be used for out-of-pocket costs related to primary care, such as co-pays or deductibles.
Preventive Care: Section 125 plans may cover preventive visits to a PCP, encouraging early detection and better overall health.
Section 125 plans make primary care services more affordable and accessible for employees.
Your next tax-saving strategy might be hiding in plain sight. Our free calculator shows how much your business could save by offering Section 125 Plan benefits—no guesswork, no pressure.
Use the calculator to:
Estimate annual payroll tax savings
See potential per-employee benefit value
Compare costs of raises vs pre-tax benefits
Understand how employee participation affects savings
Get ready to talk to a provider with real numbers
Disclaimer: Estimates are for informational use only. Actual savings depend on employee participation, plan structure, and payroll setup.
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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