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Urgent care visits refer to medical appointments or services provided for conditions that require immediate attention but are not life-threatening emergencies. These services are typically available outside regular office hours and do not require an emergency room visit.
Examples of situations where you might visit urgent care include:
Minor injuries (sprains, cuts, burns)
Illnesses (flu, cold, sore throat, ear infections)
Allergic reactions
Minor fractures
Animal bites
Urgent care clinics are generally more affordable and quicker than visiting an emergency room for these non-emergency health issues.
An urgent care benefit gives your employees access to licensed healthcare providers for non-emergency issues that need attention quickly—but don’t require a trip to the ER. These clinics are open extended hours and are typically faster and more affordable than hospitals.
When offered through a Section 125 Plan, your employees can:
Walk in or schedule an appointment
Be seen for injuries, illness, or infections
Receive care at no personal cost
Skip the ER and get back to work faster
And yes—it’s fully covered under the plan when structured properly.
Let’s talk about the financial side.
Every dollar your employee contributes to a Section 125 Plan reduces your taxable payroll. That means you save 7.65% (FICA) on every pre-tax dollar used for benefits like urgent care.
15 employees use $2,500/year each for their 125 Plan
That’s $37,500 in total pre-tax deductions
Employer tax savings = $2,868.75 per year
These savings repeat each year—and stack as your team grows.
Urgent care is one of the most immediately useful benefits you can offer.
Here’s why:
Employees can use it whenever they need to
It’s useful across all age groups
It prevents minor issues from becoming major ones
It helps your team avoid expensive ER visits
It supports faster returns to work
Employees don’t have to wonder what’s covered or fight with insurance. They just go and get the care they need.
Urgent care benefits help your employees get fast, affordable treatment when they need it most—and they help you reduce payroll tax expenses at the same time.
Let’s recap:
No-cost urgent care visits for employees
Lower payroll taxes for employers
Improved attendance and employee satisfaction
Easy setup with trusted providers
Full IRS compliance when managed correctly
Whether your team is in the field, behind the counter, or working from home, this is a benefit that delivers real value.
Most employers think better benefits come with a bigger price tag but that is not the case here You can offer urgent care access with zero copays and still save on taxes See how easy it is to get started today:
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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