Fully-Insured Supplemental Healthcare & Wellness

Achieve Optimal Health at Zero Cost to the Employer

Quantum Health Benefits provides employers with a revolutionary health benefit platform that lowers payroll taxes, increases employee take-home pay, and adds 24/7 telemedicine, Rx coverage, and hospital indemnity with $0 out-of-pocket employer expense.

Modeled on Quantum Health Benefits Architecture•Reference Program: QuantumHB.com

Calculate Company Savings Request Employer Census Review

Zero Net Employer Cost

Employers pay $0 net cost. FICA payroll tax reductions offset the cost of the benefits, leaving immediate surplus capital.

Increased Take-Home Pay

Participating employees receive a net boost in their bi-weekly take-home paycheck alongside comprehensive medical benefits.

$600 - $900/Yr Savings

Employers experience average annual FICA payroll tax savings of $600 to $900 per enrolled team member every year.

A.M. Best Excellent Rating

Backed by premier domestic life and health carriers with full turnkey payroll and employee mobile app technology.

Comprehensive Employee Features

Empower your workforce with essential medical access that reduces sick leave and increases morale.

24/7 Virtual Telemedicine

Unlimited 24/7 doctor and pediatric consultations for employees and their families with $0 copay.

Prescription Drug Plan

Formulary medication coverage saving employees substantial out-of-pocket costs at major pharmacies.

Hospital Indemnity Plan

Direct cash payouts to covered workers during hospital admissions, stays, and rehabilitation.

Critical Illness & Accident

Lump-sum benefits protecting workers from catastrophic out-of-pocket medical debts.

Ambulance & ER Benefit

Coverage assistance for emergency transport and urgent hospital emergency room treatment.

Surgery & Anesthesia Benefit

Supplemental schedules providing peace of mind during scheduled outpatient or inpatient procedures.

Corporate Payroll FICA Reduction

Quantum Employer Savings Calculator

Avg. $600 – $900 Savings / Employee

Number of Participating Full-Time Employees40 Employees

5 Employees150 Employees300+ Employees

Reduces employer FICA matching by 7.65% on pre-tax benefit allocation

Protects workforce with Telemedicine, Rx, and Hospital Indemnity

Works seamlessly alongside Blue Cross, United, Aetna, Cigna, etc.

Direct Annual Bottom-Line Impact

Net Employer Annual Savings:

+$30,000/ year

(Based on conservative benchmark of $750/employee/yr)

Employee Benefit Value Added:

$72,000+ in annual healthcare service value at zero cost to workers.

Initiate Employer Census Study

Frequently Asked Questions: Quantum Health

How Next Wave Advisor structures compliant zero-cost employee benefits.

The Quantum Health Benefits structure utilizes federal Section 125 pre-tax wellness and supplemental health benefit codes. The pre-tax payroll reduction lowers the employer's FICA tax obligations (Social Security and Medicare matching) by more than the administrative cost, creating an average net savings of $600 to $900 per employee each year.

No Cost • Zero Risk Review

Inquire About Quantum Health Benefits

Submit your company details for a custom employee census calculation. Discover how much you can save on payroll taxes while providing comprehensive health coverage.