Rubicon Cost Reduction:

Navigating Savings, Empowering Growth

Enhance Employee Benefits While Boosting Your Bottom Line...

Smart Technology for Better Health

Imagine giving your employees the tools they need to stay healthy, manage their healthcare, and tackle health challenges head-on. With advanced smartphone technology, they can do just that. Wouldn't it be great to offer something that truly makes a difference?

Save on Payroll Taxes—Year After Year

What if your company could save $600.00 per employee every year on payroll taxes? With this plan, classified as a pre-tax deduction under IRS Section 125, that’s exactly what you can do.

More Money in Your Employees' Pockets

Who wouldn’t appreciate a little extra in their paycheck? By paying less in taxes, your employees could see their take-home pay increase by an average of $85 to $185 per month. Plus there is no participation requirement for employees to get that bump in their pay! Can you imagine the positive impact this could have on their satisfaction and loyalty?

Valuable Employee Benefits

Provide your employees with access to comprehensive Wellness and Supplemental Benefits at no net out-of-pocket cost to them or the company.

No Co-Pays

Your employees can enjoy these benefits without any additional financial burden.

Easy to Launch. Hard to Ignore.

Quick Setup, No Headaches
Automatic enrollment means no extra work for HR or management. Employees are auto-enrolled, see a direct increase in their take-home pay, and your team enjoys immediate, tangible benefits — all without altering your current benefits or payroll provider.

Join or Leave Anytime
Once in the program, we do not know of anyone who will leave more pay, lower taxable income, and side benefits at zero net cost. But people are funny at times.

Set It and Forget It
Once it’s live, we handle the heavy lifting — compliance, reporting, and support — while you collect the savings and praise.

These benefits are designed to complement your existing health plan, with the tax savings covering the entire cost. Doesn’t it make sense to offer a plan that not only benefits your employees but also results in a net profit for your company?

Don’t leave $600 per employee on the table —
keep what you have, add what you deserve, and keep the savings where it belongs: in your business.

First Things First

This plan is intentionally designed not to replace or compete with your major medical plan. Instead, it serves as a complement or even a frontline of defense to your existing coverage, while also being robust enough to stand on its own.

Although there is an associated cost for employers implementing the plan, they will realize a net savings by offering it.

Instant pay raise (higher take-home pay!)
Access to premium perks: telehealth counseling, Mayo Clinic’s 12-Week Diet Program, biometric health tools, and more
Lower taxable income and better financial wellness — while keeping their current benefits intact

Fully Compliant 213(d) Employee Benefits

Telehealth - $0 copay
Virtual medicine with a personal touch. Diagnose, prescribe medication, order labs, make referrals and triage all conditions.

Employee Assistance Program at $0 Copay
Six sessions per family member. Covers marital and family issues, anxiety, stress and depression; drug and alcohol concerns; and more.

Health Vitals via Facial Scan App
The apps provides wellness statistics in :30 seconds using a selfie-including heart rate, blood pressure, BMI, stress level and rist of heart attack or stroke.

Additional Benefits

Couples Counseling
Develop the skills to resolve conflict and increase communication. 8-Hour online course the employee accesses at their convenience plus four 20-minute calls.

Addiction Recovery System
The world's first interactive virtual recovery system for addiction. Full one year program and video course.

Mayo Clinic Programs
Programs designed by leading experts for all aspects of a health life. Including:

Total Body Workout - 12Week intensity interval training program to implement healthy habits.
12 Habits of Highly Health People - Year long guided program to implement healthy habits.
The Resilient Program - Self-paced video course to lower stress, burnout and anxiety.

Implementation Process

Receive Payroll Report = Analyze the company's payroll data.
Present Savings Proposal
Offer a customized plan highlighting potential benefits and savings for both the employer and employees.
Complete Documentation
Sign the Service Agreement, Client Setup Form, and ACH Authorization
Begin Enrollment
Start enrollment manually or automatically.
Program Launch
The program goes live, typically on the first day of the following month.
Monthly Invoicing
Issue invoice at month's end; payment due accordingly.

And the Best Part...

There are no contracts, no sign up fees and since the tax savings completely pay for the benefits, it is a zero net cost for either your company or your employees to participate.

Have you considered how much a specialized Section 125 plan could save your business? By allowing employee benefits to be pre-taxed, you can significantly reduce your FICA payroll taxes. Wouldn’t it be great to boost the health and well-being of your employees while also increasing their take-home pay—all at no additional cost to you?

We’d love to prepare a free, no-obligation quote to show you exactly how much your company and employees could benefit each month. Did you know there are no contracts with our plan? Plus, since the pre-taxing process covers the cost of the benefits, it’s a zero net cost for both your company and your employees. Why not take advantage of these savings?

Let's Connect

phillip@rubiconbenefitservices.com

Phone: (480) 269-8297