Preventative Care Management Solution
An employer-sponsored health and benefits program designed to enhance employee access to preventative healthcare while helping employers reduce certain payroll tax expenses in a compliant manner.
IRS-Recognized
PCMS operates within an IRS-recognized Section 125 Cafeteria Plan framework, allowing eligible employee contributions to be handled on a pre-tax basis. This structure can lower both employer and employee payroll tax obligations while providing employees with additional health-related benefits at no added cost to the employer.
Clarity & Trust
The program focuses on preventative care, health participation, and qualified medical expense reimbursement, supporting employee health while aligning with applicable federal regulations, including ACA and IRS guidelines. Employers adopt formal plan documentation and administrative processes to ensure compliance and proper execution of the program.
Value-Driven
PCMS is intended to complement existing health benefit offerings rather than replace them, giving employers a scalable way to improve benefits, increase employee participation, and potentially realize meaningful tax savings without increasing overall benefit spend.
Compliance-Led
The program structure and documentation are designed to align with established regulatory standards and are suitable for implementation across a wide range of employer sizes and industries.
PCMS (Preventative Care Management Solution)
The Preventative Care Management Solution (PCMS) is a compliant employee benefits enhancement program designed to help employers deliver meaningful preventative care benefits while improving tax efficiency within their benefits strategy.
PCMS was created for business owners, HR leaders, and financial executives who want to strengthen their benefits offerings without increasing cost. The solution operates within a Section 125 Cafeteria Plan framework, aligning with IRS and Affordable Care Act regulations to provide pre-tax benefit advantages for eligible medical and health expenses.
Our mission is to empower employers to offer additional preventative care resources — such as telehealth access, health support, and other health-related benefits — in a way that complements existing group health plans and enhances employee satisfaction and well-being.
PCMS emphasizes compliance, transparency, and value:
- It’s structured to comply with current federal tax and benefits regulations.
- Supported by documentation and processes reviewed by experienced benefits professionals.
- Designed to integrate with payroll systems and standard HR administration.
At PCMS, we believe that well-designed preventative care support not only improves employee health and engagement, but also supports financial efficiency for the business — helping organizations thrive in today’s competitive talent market.
PCMS
Program Benefits
The Preventative Care Management Solution (PCMS) is designed to help employers strengthen their benefits offering while improving tax efficiency — without increasing overall benefit costs or replacing existing health insurance plans.
Key Benefits for Employers
✓ Payroll Tax Efficiency
PCMS operates within a Section 125 Cafeteria Plan framework, allowing eligible employee contributions to be handled on a pre-tax basis. This structure may reduce both employer and employee payroll tax exposure when implemented and administered properly.
✓ No Increase to Benefit Spend
PCMS is structured to be cost-neutral for employers. The program is designed to reallocate existing payroll dollars more efficiently rather than adding new benefit expenses.
✓ Attractive, Competitive Benefits Offering
Employers can enhance their benefits package with additional preventative care and health support, helping attract and retain employees in a competitive labor market.
✓ Simple Integration with Payroll & HR
PCMS is designed to integrate with standard payroll systems and HR processes, minimizing administrative burden while maintaining compliance.
✓ Scalable for Growing Organizations
The program can be implemented across a wide range of employer sizes and industries, making it suitable for both mid-sized and large organizations.
Key Benefits for Employers
✓ Payroll Tax Efficiency
PCMS operates within a Section 125 Cafeteria Plan framework, allowing eligible employee contributions to be handled on a pre-tax basis. This structure may reduce both employer and employee payroll tax exposure when implemented and administered properly.
✓ No Increase to Benefit Spend
PCMS is structured to be cost-neutral for employers. The program is designed to reallocate existing payroll dollars more efficiently rather than adding new benefit expenses.
✓ Attractive, Competitive Benefits Offering
Employers can enhance their benefits package with additional preventative care and health support, helping attract and retain employees in a competitive labor market.
✓ Simple Integration with Payroll & HR
PCMS is designed to integrate with standard payroll systems and HR processes, minimizing administrative burden while maintaining compliance.
✓ Scalable for Growing Organizations
The program can be implemented across a wide range of employer sizes and industries, making it suitable for both mid-sized and large organizations.
Key Benefits for Employees
✓ Access to Preventative Care Support
Employees gain access to preventative care and health-related benefits designed to support overall health and well-being.
✓ Pre-Tax Benefit Advantage
Eligible contributions are handled on a pre-tax basis under the Section 125 framework, which may increase employees’ take-home pay compared to after-tax benefit options.
✓ Voluntary Participation
Participation in PCMS is optional and subject to eligibility requirements outlined in the employer’s plan documents.
✓ No Impact on Existing Health Insurance
PCMS is designed to complement, not replace, an employer’s existing group health insurance plan.
Key Benefits for Employees
✓ Access to Preventative Care Support
Employees gain access to preventative care and health-related benefits designed to support overall health and well-being.
✓ Pre-Tax Benefit Advantage
Eligible contributions are handled on a pre-tax basis under the Section 125 framework, which may increase employees’ take-home pay compared to after-tax benefit options.
✓ Voluntary Participation
Participation in PCMS is optional and subject to eligibility requirements outlined in the employer’s plan documents.
✓ No Impact on Existing Health Insurance
PCMS is designed to complement, not replace, an employer’s existing group health insurance plan.
Compliance-Focused Program Design
PCMS emphasizes compliance at every stage of implementation:
IRS Recognized
Structured in accordance with IRS Section 125 guidelines
IRS Recognized
Structured in accordance with IRS Section 125 guidelines
Reassuring
Designed to align with Affordable Care Act (ACA) requirements
Reassuring
Designed to align with Affordable Care Act (ACA) requirements
Structured
Supported by formal plan documentation
Structured
Supported by formal plan documentation
Compliance-forward
Requires proper employer adoption, administration, and ongoing compliance oversight
Compliance-forward
Requires proper employer adoption, administration, and ongoing compliance oversight
Frequently Asked Questions
Partner With Us
PCMS partners with qualified professionals and organizations that support employers in strengthening their benefits strategy, improving employee engagement, and operating more efficiently within a compliant framework.
Our partner program is designed for consultants, advisors, and service providers who work closely with business owners, HR leaders, and financial decision-makers and want to introduce a value-added, preventative care and health solution to their clients.
Who We Partner With
We collaborate with professionals and firms that serve employers, including:
- Benefits consultants and advisors
- Payroll and HR service providers
- Business consultants
- Accounting and advisory firms
- Professional employer organizations (PEOs)
- Referral partners and strategic alliances
Partners do not need to replace or disrupt existing services. PCMS is designed to complement current offerings.
Why Partner with PCMS
Expand Your Value Proposition
PCMS allows partners to introduce a compliant preventative care and health solution that enhances an employer’s benefits strategy without increasing overall benefit costs.
Client-Friendly, Non-Disruptive Solution
The program is designed to integrate alongside existing health plans, payroll providers, and HR processes—making it easier for partners to introduce without operational friction.
Compliance-Focused Structure
PCMS is built within an IRS Section 125 framework and emphasizes proper documentation and administration. This helps partners feel confident introducing the program responsibly.
Scalable Across Client Types
PCMS can be suitable for a wide range of employer sizes and industries, allowing partners to support multiple client profiles.
How the Partnership Works
- Introduction – Partners identify employers that may benefit from a preventative care and health solution.
- Evaluation – PCMS works directly with the employer to assess eligibility and fit.
- Implementation – If appropriate, PCMS supports plan setup, documentation, and onboarding.
- Ongoing Support – PCMS assists with administration and compliance while partners maintain their client relationship.
Partners are not responsible for providing tax, legal, or compliance advice.
Partner Support
PCMS provides partners with:
- Program education and training
- Sales-safe and compliance-aware materials
- Dedicated partner support
- Transparent onboarding and communication
Compliance & Transparency
- PCMS is not insurance and does not offer investment or financial products.
- No tax or legal advice is provided.
- Participation, outcomes, and potential savings vary by employer.
- Proper plan adoption and administration are required for compliance.
Who Should Consider Partnering
You may be a strong fit if you:
- Advise employers on benefits, payroll, or workforce strategy
- Work with HR leaders, CFOs, or business owners
- Value compliant, non-disruptive solutions
- Want to add meaningful value without increasing client risk
