What is Proactive Health Benefits?

PTE is proud to offer an innovative health benefits solution from our elite benefits providers. This comprehensive program provides a holistic approach to employee well-being, encompassing a wide array of valuable features. From convenient telemedicine services to robust prescription drug coverage, the plan covers your healthcare needs. Additionally, it includes a hospital indemnity plan, ensuring financial protection in case of hospitalization. Complementing these offerings are diverse wellness programs designed to promote a healthy lifestyle among your workforce.

At PTE, we understand the importance of a healthy and productive workforce for driving profitability. That's why we've partnered with highly qualified health benefits companies to empower your employees with the tools and resources they need to thrive. Our goal is to support your organization by providing a tailored solution that not only meets your healthcare requirements but also aligns with your company's vision for a healthier, more engaged workforce.

Who Can Get Proactive Health Benefits?

All company employees earning a W-2 income are able to apply for the Proactive Health Benefits. Employees earning at least $22,000 per year will have increased tax home pay, but all employees may participate.

Proactive Health Benefits was designed to be an inclusive program that supports the overall well-being of a company's entire workforce. By extending eligibility to all W-2 employees, regardless of income level, we aim to foster a culture of health and financial security that benefits the organization as a whole. This holistic approach ensures that every member of your team can access the valuable resources and protections offered by the Proactive Health Benefits plan, empowering them to lead healthier, more productive lives. Our goal is to create a rising tide that lifts all boats within your employee population.

How Does Proactive Health Benefits Work?

The health benefits program offers complimentary advantages to employees, backed by a reputable insurance provider with an A.M. Best Excellent rating, ensuring reliable coverage and financial stability.

Participation in the plan results in a net increase in employees' take-home pay, providing them with additional financial flexibility.

Employers can expect substantial cost savings, with an average annual reduction of $700 to $900 per employee, improving their bottom line and resource allocation.

Proactive Health Benefits provides comprehensive support, encompassing implementation, enrollment, administration, payroll integration, and advanced analytics reporting. This seamless end-to-end solution allows companies to reap the benefits without diverting internal resources or expending additional effort.

How Long Will This Last?

PTE's Comprehensive Health Solution, powered by Proactive Health Benefits, offers a unique indemnity insurance plan that provides financial protection to employees in the event of a qualified medical occurrence. This fully-insured limited benefit plan is designed to safeguard individuals by providing indemnity insurance claim payments.

The plan's premiums are facilitated through an employer group's Section 125 cafeteria plan, allowing for pre-tax contributions via salary deductions, in compliance with the IRS Code. This approach not only offers financial security but also provides tax advantages, ensuring a cost-effective solution for both employers and employees.

The Section 125 cafeteria plan provisions were originally adopted by the United States Congress as part of the Revenue Act of 1978. This legislation allowed employees to choose between receiving cash compensation or certain qualifying benefits (such as health insurance, life insurance, and other benefits) on a pre-tax basis. There is no sunset date for this program.