Pricing

What does this cost?

The UnifyWell Plan is designed to run at zero net cost to the agency. The program has a cost, but the payroll tax savings generated through the Section 125 structure are designed to offset it. Your payroll analysis shows whether that works for your agency before you commit.

When employees receive healthcare benefits through a Section 125 Wellness Plan, eligible contributions are made pre-tax for payroll purposes. This can reduce the FICA tax paid by both the agency and participating employees.

Using IRS Section 125, your agency can generate payroll tax savings for participating employees that help offset the cost of the healthcare benefits.

The result is a benefits program designed to provide everyday healthcare and wellness support while reducing payroll tax costs for the agency.

The mechanics behind that number are in our Section 125 guide for home care agencies.

What the agency savings looks like

Across the proposals Home Care Benefits has run, the employer savings has landed between $300 and $900 per participating employee per year, net of the administration fee.

UnifyWell's own published example nets roughly $600 per participating employee per year.

That is a range, not a quote. It moves with wages, filing status and pay schedule, and not every caregiver qualifies.

The workers' comp question

Workers' compensation premiums are rated on payroll. When eligible employee contributions are made pre-tax, the taxable wage base may be reduced, and in some states that lower base is what the comp premium is calculated on. Where that is true, the plan may reduce your comp premium on top of the payroll savings.

Agency and caregiver responsibilities

  • Payroll code setup. Your payroll provider or bookkeeper adds the necessary deduction and reward codes. Payroll specialists work directly with them, but it does require an hour or two of someone's attention.
  • An enrollment window. UnifyWell runs the caregiver communication and meetings, roughly 95 percent of the work, but your team has to help with coordination.
  • Ongoing participation. Caregivers complete a health risk assessment and a monthly wellness activity as part of their participation in the plan. The benefit is not entirely passive.
  • Your CPA's time. We ask you to have the documents reviewed.

Get your own number

The estimator gives you a directional figure in about thirty seconds. The proposal gives you your actual estimate, free, usually in a day or two.

Open the estimator
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Home Care Benefits provides marketing and enrollment support and does not provide legal, tax, accounting or health advice. The Unify Wellness Plan is administered by UnifyWell. Savings figures in any proposal are estimates based on the payroll information provided and are not guaranteed. Federal and state tax laws change. Consult your own CPA or attorney before enrolling.