Make Today Count
From anywhere in the world, access complete programs to address a wide range of health challenges: from prenatal to aging, coping with disabilities, or managing chronic conditions like diabetes, insomnia, cancer, stress and so much more. Wherever you are in your journey, we've got you covered.
AYG True Wellness provides a unique solution that addresses changing needs. From handling prescription orders to avoid urgent care visits to clarifying confusing billing questions, AYG recognizes the individuality of each situation. By focusing on personalized resources, every client receives top-notch treatment. Access a licensed prescriptive level practitioner for telemedicine visits around the clock, every day of the year, for the entire family with no co-pay. When paired with the Self-Insured Medical Expense Reimbursement Plan, employees can access this service without impacting their net pay.
A distinctive solution that caters to evolving needs. Whether it's arranging for prescriptions to be called in to steer clear of urgent care visits or clarifying puzzling billing inquiries, AYG acknowledges the uniqueness of each scenario. By prioritizing tailored resources, every client is treated as the top priority.
No new out-of-pocket expense for the employer and no reduction in employee's net take-home pay.
To date, 80-100% employee participation rate compared to 30-40% of Cafeteria Plan
All sickness and accident calls utilization is 60% compared to telemedicine 3-8% nationally
Help with common pain points connected with handling high deductibles, co-pays, and claim reductions.
Savings are realized immediately upon each payroll run.
$27,500 in annual payroll taxes. Employees receive a suite of health/wellness benefits.
Just think about the time and frustration you can save by using AYG Wellness instead of traditional medical care.
Ask about the no obligation demonstration, as well as, a free organization employee census to show you exactly how much your business would save with AYG True Wellness.
All done with no net cost to the employer or employees.
Employees receive a suite of health/wellness benefits.*
AYG Wellness + SIMERP = AYG True Wellness, a combination that allows business owners the opportunity to add and offer additional benefits to their employee packages, increasing employee retention and overall well-being at no additional cost to the employer.
The following will provide answers to some of the most common questions. If you don't see your question, feel free to email sales@aygfinancial.com for assistance.
100% legal. This is a tax qualified Self-Insured Medical Reimbursement Plan with a wellness focus that uses tax advantage provisions under the Internal Revenue Service codes "Section 125 Cafeteria Plan and codes 105, 106, and 213(d)" and ACA wellness rules.
Yes, all benefits can be modified to cover spouse and/or dependents.
No, because the participant is pre-taxing the wellness program under a Section "125" Cafeteria program, the IRS has certain rules that must be followed such as: participant cannot make any changes to the program until "Open Enrollment" each year unless there is a qualifying event. An IRS approved qualifying event allows the participant to make changes during the plan year that are consistent with the event. AYG Insurance and Financial Services advisor will explain this upon enrollment.
By participating in the plan, the employer decides the details regarding the Self-Insured Medical Reimbursement plan including, what is reimbursed, how often reimbursement is made, and who is eligible to participate.
The preventative care management calculates the Wellness Reserve at 95% of participant's annual income. Therefore, if the employee should miss a couple of days during the year, there should be enough in the reserve to pay the premium amounts without affecting take home pay.
The participant will see additional line item deductions on his/her paycheck. To accurately see the effect on take-home pay, compare two identical paychecks (i.e. hours worked, same pay rate, etc.) and that participant will see either a very slight increase in pay or no difference in take home pay.
Yes, after enrolling in the program, participant is approaching retirement age as Social Security is calculated on a 35 year average. One of the benefits we make available to employees is a guaranteed issue cash value life policy that usually accrues cash value at a higher rate than Social Security. (If participant has specific questions on this effect, please consult a CPA).
Participant's year-end taxable income is lowered by the wellness contribution. For specific questions, please contact your tax adviser.
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