Urgent Care Visits with Section 125 Plans

Skip the ER wait and surprise bills. Urgent care benefits through a 125 Plan give your team fast help when they need it most with no out-of-pocket cost. It is an easy way to support employee health and keep your business running strong without raising your payroll expenses.

What Is an Urgent Care?

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.

Why Urgent Care Coverage Matters​

Why Urgent Care Coverage Matters

Traditional health insurance often comes with high deductibles, meaning that even a simple urgent care visit could cost employees hundreds of dollars out of pocket.
That’s stressful — and sometimes leads people to put off care, which only makes small problems worse (and more expensive).

By offering 100% covered urgent care visits under a Section 125 Plan, you give employees:

  • Immediate peace of mind when health issues arise

  • Quicker treatment and faster recovery

  • No unexpected bills draining their savings

  • More trust and satisfaction with your benefits package

At the same time, you’re creating a healthier, more productive workforce — with fewer sick days and less strain on traditional health insurance plans.

How It Works for Employees

When an employee experiences a non-life-threatening injury or illness — like a bad sprain, flu symptoms, a severe ear infection, or a minor fracture — they can visit an approved urgent care center.

Thanks to the pre-tax structure of the Section 125 Plan, employees:

  • Access urgent care services with no out-of-pocket expense

  • Skip the emergency room (avoiding huge ER bills)

  • Receive care quickly from licensed providers within the network

Because the urgent care visit is funded pre-tax, employees save twice:
they avoid high medical bills, and they keep more of their paycheck at tax time.

Smart Savings for Employers Too

Offering covered urgent care isn’t just good for employees — it’s smart business.
By reducing employees’ out-of-pocket medical costs, you lower stress levels, boost morale, and even help prevent bigger, costlier medical issues down the road.

Plus, because employee contributions toward the Section 125 Plan are made pre-tax, your company benefits from lower payroll taxes — saving an average of 7.65% per participant in FICA taxes.

It’s a strategic move that boosts satisfaction without inflating your payroll costs.

Make Urgent Care Coverage Part of Your 125 Plan

Giving employees access to fast, affordable urgent care is one of the smartest, most meaningful ways to support their health — and your company’s bottom line.

At Section 125, we make it easy to set up a compliant, employee-friendly Section 125 Plan that delivers real value from day one.

Ready to Offer Better Benefits With Zero Copays?

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:

  • Try Our Free Payroll Tax Savings Calculator
  • Talk to a Section 125 Plan Expert
  • Start Building Your Employee Benefits Bundle Today

 

Ready to offer urgent care benefits employees will love?

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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Success Stories: See What Company Employees Have To Say About 125 Plans

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Section 125 Plan Employee Satisfaction: 98% Delighted with Their Plan Benefits

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