Business Tax Strategy · ProfitGuard Plus
What does ProfitGuard Plus
cost the employee?
Nothing out of pocket. Gross pay does not change. Take home pay goes up about $40 to $80 per paycheck. And the preventive care benefits, telehealth, mental health support, and care coaching, come with no copays and no per visit fees.
Quick answer
- Gross pay stays exactly the same for every participating employee.
- Take home pay goes up about $40 to $80 per paycheck, because of how the pre-tax election and the after tax reimbursement run through payroll.
- The employee receives about $1,400 a year in preventive care benefits, with no copays and no per visit fees.
- The benefits are available 24/7 through the Attentive Personal Portal on any laptop, tablet, or phone.
- Spouse and dependents are included.
- Existing medical, dental, vision, and retirement benefits stay exactly as they are.
The paycheck, before and after
The employee makes a pre-tax election under the Section 125 plan, which lowers the wages their taxes are figured on. The SIMRP then reimburses them, after tax, for the preventive care they received. Net of both, the paycheck goes up about $40 to $80. Gross pay never moved.
What the employee gets
24/7 telemedicine for the whole family. Licensed mental health support. Mayo Clinic backed wellness programs. Health screenings. A virtual care assistant and chronic care coaching. Supplemental benefits funded through the tax savings, with no pay reduction. All of it through one portal, with no copays.
What does not change
Their major medical plan, wherever it comes from. Their dental, vision, and retirement benefits. Their gross pay. ProfitGuard Plus stacks on top of what you already offer. The full picture of the numbers is on the cost and savings page, and the program walkthrough is on the ProfitGuard Plus page.
Frequently asked questions
Does the employee pay anything?
Nothing out of pocket. There are no copays and no per visit fees for the preventive care benefits, and take home pay goes up.
Does gross pay go down?
No. Gross pay stays exactly the same. The pre-tax election and the after tax reimbursement change what is taxed, not what is earned.
How much more does the employee take home?
About $40 to $80 more per paycheck for a participating employee.
Is the family covered?
Yes. Spouse and dependents are included in the preventive care benefits.
Does the employee lose any current benefits?
No. Medical, dental, vision, and retirement benefits stay in place. ProfitGuard Plus stacks on top of them.
This is education, not tax or legal advice. Actual savings vary by payroll structure, participation, and state and local tax. Talk to your CPA about your specifics before you decide. ProfitGuard Plus is a marketing name for a structure built on IRS code sections 125, 106(a), 105, and 213(d).
See your ProfitGuard Plus number
Enter your W-2 headcount and see the combined value first. Then we'll run your exact numbers. You can also read the full walkthrough on the ProfitGuard Plus page or call +1 (586) 899-1003.
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