04/30/2025
QuantumHB is a fully insured, IRS-compliant Section 125 Fixed Indemnity Wellness Plan that helps employers and employees unlock meaningful tax savings while enhancing their benefits — all at no net cost.
🔹 For Employers: Boost Savings, Retain Talent
Significant Payroll Tax Savings
✔ Save $600–$900 per employee per year in F**A taxes
✔ Reduce workers' comp premiums
✔ Company of 1,000 employees can save $600,000–$900,000 annually
No Out-of-Pocket Costs
✔ Employer pays nothing — plan is funded entirely via tax savings
Nationwide Approval & Stability
✔ Approved by Departments of Insurance in all 50 states
✔ Underwritten by a 200-year-old A-rated insurance carrier
Turnkey Compliance & Admin
✔ Fully Section 125, ERISA, ACA, HIPAA compliant
✔ Includes all plan docs, testing, and support
✔ Integrates with all payroll systems
Supports Retention & Recruitment
✔ Enhances total compensation package
✔ Improves employee satisfaction and loyalty
🔹 For Employees: More Benefits, Bigger Paychecks
Net Pay Increase
✔ Employees see a net pay raise of $100–$150/month
✔ All benefits provided at zero out-of-pocket cost
Pre-Tax Health Savings
✔ Save 20–40% on eligible health and wellness services
Expanded Access to Care
✔ 24/7 telemedicine and behavioral health services
✔ Full family coverage via mobile app
Prescription Savings
✔ $0 cost for 1,500+ commonly used medications
Supplemental Benefits
✔ Fixed indemnity benefits with payouts for:
Hospital confinement ($1,000/day for 30 days)
Inpatient surgery ($1,000) & anesthesia ($400)
Emergency room and ambulance (up to $500)
Critical illness (up to $2,500)
Accident benefits (up to $1,000 per incident)
Wellness Participation Rewards
✔ Claim payments tied to simple activities (telemedicine, assessments, coaching)
🔹 Program Highlights
Fully Insured Fixed Indemnity Section 125 Plan
Approved in all 50 states, underwritten by A-rated carrier
Designed to complement existing major medical — not replace it
Works with W-2, 1099, and PEO environments
Self-funded structure with no participation limits (25+ employees recommended)
Offers personalized, tiered premium options — auto-adjusts to protect employee pay
Includes custom-branded benefits portal/app in multiple languages
Provides full implementation, compliance, and enrollment support
Start saving today. Offer more — for less.
