WealthSecure Insights

A paycheck-first benefits strategy

Increase their paycheck.Make protection affordable.

Before asking your employees to pay for benefits, we start with a strategy designed to increase their take-home pay—so that increase can help pay for their protection.

For eligible employees, the increase can offset some or all of their selected benefit contributions. When it fully covers the contribution, those selected benefits can have zero net cost to the employee. Results vary; zero net cost is not guaranteed.

Whether coverage is new or already in place

Begin with the paycheck.
Build around the person.

Employees may already have benefits—or may be acquiring protection for the first time. We review the potential paycheck increase, explain benefit costs and help employees choose what fits their needs.

01

Start with CHAMP

Covered everyday care with $0 copays, plus a strategy that may increase eligible employees’ take-home pay and reduce employer payroll taxes.

Understand CHAMP
02

Add major medical

Explore AffordaCare MVP for qualifying groups, with fixed monthly premiums and a qualifying MVP-only reduction when paired with Combined.

See monthly MVP rates
03

Choose voluntary protection

Combined coverage may provide cash for qualifying covered events. Employees can choose benefits within their increase—or choose more and pay the difference.

Explore Combined

Zero net cost is an individual calculation. If the paycheck increase fully offsets an employee’s selected contribution, those benefits can have zero net cost to that employee. Medical deductibles, copays and other expenses may still apply.

Start with CHAMP

Proactive care.
A paycheck-first approach.

CHAMP offers deductible-free covered everyday care and $0 copays for covered primary and urgent care. Covered prescriptions for employees and registered family members have $0 or $1 copays, subject to the current formulary and program terms.

For eligible employees, CHAMP may increase take-home pay while helping employers reduce payroll taxes. Employee increases and employer savings are distinct.

CHAMP: qualifying groups of 5+ employeesEligibility and participation rules apply

AffordaCare MVP · group major medical

Fixed monthly premiums.
A clear starting point.

Explore major medical coverage for covered hospital and surgical services, subject to the plan’s deductibles, coinsurance, exclusions and provider access.

5%

Pair MVP with Combined—and reduce your MVP premium.
The reduction applies to qualifying MVP major medical premiums only.

Employee only

$300.00/month
With qualifying offer$285.00/month

Employee + spouse

$445.00/month
With qualifying offer$422.75/month

Employee + children

$462.00/month
With qualifying offer$438.90/month

Employee + family

$570.00/month
With qualifying offer$541.50/month

All quoted amounts are monthly MVP group premiums for qualifying groups. Combined premiums are additional and not included. Ameritas and LifeX pricing is separate. Group eligibility and current plan and offer terms apply; contact us to confirm MVP enrollment and minimum-group requirements.

What I’ve seen firsthand

“I showed employees how much their take-home pay increased, and they used that increase to pay for their benefits. Some chose to go beyond the increase and pay more to acquire more coverage.”

Advisor’s firsthand experience with one group, not a guaranteed or typical result. Employees choose their coverage. Paycheck increases and benefit contributions vary.

Options beyond the group package

A path for different
coverage needs.

LifeX · ask about eligibility

Individuals, families and smaller businesses

Below the group minimum—or looking for individual or family coverage? Ask about LifeX major medical options. We’ll review available plans, enrollment eligibility, provider networks and costs.

LifeX plan availability and eligibility must be confirmed. The MVP rates and MVP + Combined reduction do not apply to LifeX.

Ask about LifeX

Ameritas · dental & vision

Round out your protection

WealthSecure Insights also offers dental and vision insurance through Ameritas. Ask about available options and how they can complement medical and voluntary coverage.

Ameritas premiums are separate. Benefits, networks, eligibility and availability depend on the selected plans. The MVP reduction does not apply to Ameritas.

Ask about dental & vision

Educational examples · not product quotes

One medical event.
Three financial pictures.

Major medical can reduce your share of covered care. Voluntary benefits may provide cash to help fund that share or other needs. These examples show the difference—not a promise that every expense is paid.

Choose a hypothetical event

An injury with a $5,000 modeled medical cost.

Assumed medical-plan terms: $3,000 remaining deductible, 20% employee coinsurance after deductible, and a $9,000 annual covered in-network out-of-pocket cap. All care in this model is covered and in-network.

No major medical
or voluntary benefits

Insurance pays
$0
Supplemental cash
$0
Modeled cost before uninsured discounts or assistance$5,000

Major medical
only

Medical plan pays
$1,600
Your medical cost share
$3,400
Medical cost left to fund$3,400

Major medical
+ voluntary benefits

Same medical cost share
$3,400
Assumed supplemental cash*
$1,500
Medical cost left to fund after applying assumed cash$1,900

*Hypothetical payouts—not actual Combined Insurance benefits. Costs, medical-plan terms and cash payouts are assumed, not AffordaCare MVP, LifeX or Combined policy terms or claim results. Cash requires a qualifying covered event under an actual policy; a medical bill alone does not determine the benefit. Supplemental cash does not change major medical deductibles or coinsurance. The same modeled medical cost is used before uninsured discounts or assistance, which are not modeled. No prior annual cost sharing, premiums, uncovered care, balance bills, other medical care or living expenses are included. Actual benefits and remaining expenses vary. No guarantee of eliminating medical debt or preventing bankruptcy.

More business solutions

Keep your business
moving forward.

Our existing Business Funding and Corpay services remain available alongside the benefits strategy.

Clear answers before enrollment

Understand how the pieces fit.

Do employees need to already have benefits?

No. We can explore the strategy whether employees already have coverage or are acquiring benefits for the first time. Each product has its own eligibility and enrollment requirements.

Can selected benefits have zero net cost to an employee?

Yes, when an eligible employee’s take-home-pay increase fully offsets their selected benefit contribution. If coverage costs more than the increase, the employee pays the difference. This does not eliminate premiums, deductibles, copays or other medical expenses. Results are not guaranteed.

Does CHAMP eliminate our major medical deductible?

No. CHAMP supports deductible-free covered everyday care. It does not replace major medical or cover hospital stays and surgery. Major medical deductibles and coinsurance still apply.

Are all prescriptions free through CHAMP?

No. Covered formulary prescriptions for employees and registered family members have $0 or $1 copays, subject to the offered plan and current formulary. Prescriptions outside the formulary are not promised at those copays.

How many employees do we need?

CHAMP requires a qualifying business with at least five employees. Contact us to confirm MVP enrollment and group-minimum rules. Ask about eligibility-dependent LifeX options for individuals, families and smaller businesses.

Does the 5% reduction apply to every benefit?

No. The qualifying MVP + Combined offer reduces only the MVP major medical premium. Combined premiums are additional. The reduction does not apply to LifeX, Ameritas or the full package.

Are the displayed MVP premiums monthly?

Yes. The displayed fixed MVP group premiums and qualifying reduced premiums are monthly amounts. Group eligibility and current plan and offer terms apply.

Are paycheck increases and savings guaranteed?

No. Results depend on eligibility, participation, payroll and employee circumstances. We review the potential increase and selected benefit contributions rather than promise that every premium will be fully offset.

Start with a conversation

Let’s review your
benefits options.

Tell us about your team, coverage needs and budget. We’ll review CHAMP qualification, medical eligibility and voluntary options without a one-size-fits-all recommendation.

Prepare your inquiry

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