Make Payroll Your Profit Lever.
FICA DealerAdvantage™ lowers employer taxes every pay cycle and delivers $0-copay virtual urgent care & mental health.
Not a credit or rebate!
FICA DealerAdvantage™
First Payroll. First Savings. Zero Cost.
FICA DealerAdvantage™ is a compliant, pre-tax health benefit that reduces employer FICA every pay cycle while employees keep the same net pay—and gain $0-copay virtual care.
Not a credit. Not a rebate.
Immediate payroll savings + zero-copay care
Payroll-driven savings that start on the first eligible payroll—plus zero-copay care your team will actually use.
(Not a credit. Not a rebate.)
The Pressure You’re Feeling
Payroll taxes rise. Benefits costs eat margin. You need savings that hit every pay period and a benefit employees feel on day one.
A Smarter Way Forward
FICA DealerAdvantage™ uses a compliant, pre-tax health benefit + simple payroll toggle. A defined amount is taken pre-tax (lowering FICA exposure), then employees receive an offsetting reimbursement so net pay stays the same—and they gain zero-copay virtual care and free prescriptions.
This means:
Lower employer FICA each payroll (savings compound across your W-2 headcount).
Same employee take-home pay (net pay holds steady).
Zero-copay healthcare access: same-day virtual urgent care, mental health visits, and 1,000+ free meds.
Fast start: savings show on the first eligible payroll after implementation; typical onboarding 30–45 days.
Compliance-ready: aligned with IRS rules and HIPAA privacy standards.
Immediate payroll savings + zero-copay care
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$0-copay virtual urgent care (same-day access) and $0-copay mental health sessions.
1,000+ common prescriptions at no cost, delivered.
No drop in net pay—paycheck looks and feels the same, with more care included.
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Up to ~$1,100 per eligible W-2 employee/year
Every-payroll FICA reduction once live; no “wait for a credit” games.
Turnkey rollout with a payroll toggle and light admin lift; go-live typically 30–45 days.
Talent magnet: a real healthcare perk employees appreciate.
How the $0 Cost Works” (3 steps)
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Turning on a compliant pre-tax health benefit lowers the employer FICA base every payroll.
A fixed benefit amount runs pre-tax.
Your employer FICA (≈7.65%) applies to a smaller wage base.
Savings show on the first eligible payroll after go-live.
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Employees don’t feel a pay cut—and they gain real benefits.
Net pay stays the same via an offset.
$0-copay virtual urgent care & mental health, plus 1,000+ $0 meds.
Clear onboarding/eligibility—no disruption to current pay cadence.
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Program costs are covered inside the FICA savings.
No setup fees, no invoices, no PEPM paid by you.
Per-payroll savings fund the program automatically.
If it doesn’t save, it doesn’t cost—and you can toggle off anytime.
Employer savings vary by wages, participation, and plan design. Not tax advice.
Calculate Your FICA Savings
See how much you can save with our FICA optimization program.