Thirty years ago, employees were handed a card and told it was healthcare. Today, you can do better.
CZ Benefit Partners helps companies protect their people without adding to payroll costs.
Most business owners don't know there's a smarter way to run benefits. They're paying full FICA taxes, offering the same tired voluntary options, and wondering why their best people keep leaving for "better benefits" somewhere else.
The gap isn't what you're spending. It's what you're not doing with it.
We start with a FICA tax savings wellness plan — a program that puts real money back in both your pocket and your employees' — then build a voluntary benefits strategy around it that your team actually values.
If you have employees and your an owner that gives a damn — we should talk
Thirty years ago, employees were handed a card and told it was healthcare. Today, you can do better.
CZ Benefit Partners helps small and mid-size companies protect their people without adding to payroll costs.
Most business owners don't know there's a smarter way to run benefits. They're paying full FICA taxes, offering the same tired voluntary options, and wondering why their best people keep leaving for "better benefits" somewhere else.
The gap isn't what you're spending. It's what you're not doing with it.
We start with a FICA tax savings wellness plan — a program that puts real money back in both your pocket and your employees' — then build a voluntary benefits strategy around it that your team actually values.
If you have employees and an owner who gives a damn — we should talk.
Reimagine Wellness with a Preventive Care
Management Program That Works
Reimagine Wellness with a Preventive Care
Management Program That Works
Virtual Medical Care
When your employee doesn't feel well at 10pm on a Sunday, they shouldn't have to wait until Monday and pay $75 to find out it's nothing serious. 24/7 virtual care means your people get answers the moment they need them — at zero out-of-pocket cost.
Pharmacy Coverage
Most employees skip prescriptions because of the cost. That's not a healthcare problem — it's a design problem. Over 1,000 commonly prescribed medications are available at no cost, so your people stay on track instead of rationing pills and hoping for the best
Mental Health Coverage
The biggest barrier to mental health care isn't stigma — it's access. When someone on your team needs to talk to someone, they can. No waiting weeks for an appointment, no navigating a network, no surprise bill.
Virtual Veterinary Care
70% of your employees have a pet. A sick dog at 2am is a distracted employee at 8am. 24/7 virtual vet care is the benefit your team will actually talk about — and remember when it's time to renew.
Why This Is Different
For thirty years, employees have followed the same broken routine. Enroll once a year. Get a card. Pay the co-pay. Get a bill. Try to decode it. Repeat.
That's not a healthcare system. That's a transaction system — and it was never designed around people.
Banking got faster. Travel got transparent. Retail went on-demand. Healthcare stayed stuck.
We change the sequence. Instead of insurance first and care second, we put guidance and access at the front. Before the claim. Before the confusion. Before the cost escalates.
When employees know where to go, when to act, and that someone's in their corner — everything downstream gets better. Fewer ER visits. Better medication adherence. Less HR firefighting. More productive people.
This isn't a benefit upgrade. It's a completely different approach to how your people experience healthcare.
Why This Is Different
For thirty years, employees have followed the same broken routine. Enroll once a year. Get a card. Pay the co-pay. Get a bill. Try to decode it. Repeat.
That's not a healthcare system. That's a transaction system — and it was never designed around people.
Banking got faster. Travel got transparent. Retail went on-demand. Healthcare stayed stuck.
We change the sequence. Instead of insurance first and care second, we put guidance and access at the front. Before the claim. Before the confusion. Before the cost escalates.
When employees know where to go, when to act, and that someone's in their corner — everything downstream gets better. Fewer ER visits. Better medication adherence. Less HR firefighting. More productive people.
This isn't a benefit upgrade. It's a completely different approach to how your people experience healthcare.
Important Questions
What is a Health Screening Indemnity Plan?
A Health Screening Indemnity Plan is a preventive care program designed to give employees real access — not just coverage on paper. It pays benefits directly when employees use preventive and wellness services, which funds virtual care, pharmacy access, and mental health support at little to no out-of-pocket cost. It works alongside existing insurance rather than replacing it, and when structured correctly, it also generates FICA tax savings for both the employer and the employee.
What is a SIMRP?
A SIMRP is how your employees' contribution to the wellness plan comes out pre-tax. Instead of paying with after-tax dollars, they contribute through a pre-tax payroll deduction — which lowers their taxable income and puts more money in their paycheck without a raise. The employer saves on FICA taxes at the same time. It works alongside your existing health insurance, not instead of it.
What is a TPA and Why is it Important?
A TPA — Third-Party Administrator — runs the back end of the program. They handle the benefit payments, maintain the records, and keep everything compliant. Think of them as the engine under the hood. You don't interact with them much, but they're the reason the program works correctly and holds up to scrutiny.
Do I Need to Offer Health Insurance?
It depends on which component you're asking about. The Health Screening Indemnity Plan does not require you to offer major medical insurance. The SIMRP does. We'll walk you through exactly what applies to your situation in our first conversation — there's no guesswork on your end.
How is the pre-tax deduction amount determined?
The contribution amount is based on the fair market value of the services included — virtual care, pharmacy access, mental health support, and preventive care. Independent actuaries calculate that value using established federal standards. This isn't a number someone invented. It's a documented, defensible calculation built to hold up under IRS scrutiny. That's what keeps the program compliant.
How do I Sign Up?
Book a 19-minute Zoom. That's the only first step. No forms, no commitments, no pressure. We figure out if it's a fit, run your numbers, and walk you through everything from there.
Important Questions
What is a Health Screening Indemnity Plan?
A Health Screening Indemnity Plan is a preventive care program designed to give employees real access — not just coverage on paper. It pays benefits directly when employees use preventive and wellness services, which funds virtual care, pharmacy access, and mental health support at little to no out-of-pocket cost. It works alongside existing insurance rather than replacing it, and when structured correctly, it also generates FICA tax savings for both the employer and the employee.
What is a SIMRP?
A SIMRP is how your employees' contribution to the wellness plan comes out pre-tax. Instead of paying with after-tax dollars, they contribute through a pre-tax payroll deduction — which lowers their taxable income and puts more money in their paycheck without a raise. The employer saves on FICA taxes at the same time. It works alongside your existing health insurance, not instead of it.
What is a TPA and Why is it Important?
A TPA — Third-Party Administrator — runs the back end of the program. They handle the benefit payments, maintain the records, and keep everything compliant. Think of them as the engine under the hood. You don't interact with them much, but they're the reason the program works correctly and holds up to scrutiny.
Do I Need to Offer Health Insurance?
It depends on which component you're asking about. The Health Screening Indemnity Plan does not require you to offer major medical insurance. The SIMRP does. We'll walk you through exactly what applies to your situation in our first conversation — there's no guesswork on your end.
How is the pre-tax deduction amount determined?
The contribution amount is based on the fair market value of the services included — virtual care, pharmacy access, mental health support, and preventive care. Independent actuaries calculate that value using established federal standards. This isn't a number someone invented. It's a documented, defensible calculation built to hold up under IRS scrutiny. That's what keeps the program compliant.
How do I Sign Up?
Book a 19-minute Zoom. That's the only first step. No forms, no commitments, no pressure. We figure out if it's a fit, run your numbers, and walk you through everything from there.
Your employees are thirty years overdue for something better.
CZ Benefit Partners is committed to serving you at the highest level with all your Group Benefits needs.
National Producer Number: 18604165
Company
Directories
Legal