Services
Everything the Decima Plan includes
Preventive care, telemedicine, and prescription coverage for your team, funded by payroll tax savings and administered end to end.
The Decima Plan
Real benefits your team will actually use
Every benefit is a qualified medical expense under IRS Section 213(d), included at no out-of-pocket cost to the employee, with no individual copay.
Decima Health Platform
One app for the whole plan: behavior tools, health tracking, personalized assessments, and an AI health coach.
24/7 Telemedicine
Unlimited virtual visits with licensed practitioners, any hour, for the whole family, with no copay.
Wholeistic™ Coaching
Unlimited nurse-led coaching to help you and your family understand, manage, and improve overall health.
Mental Health Support
Screenings and counseling for depression, substance use, and behavioral health, promoting long-term well-being.
Women's Health
Mammograms, Pap tests, prenatal and reproductive care, and cancer prevention.
Health Screenings
Routine checks for cancer, diabetes, hypertension, cholesterol, and obesity, to catch issues early.
Preventive Care & Immunizations
Free vaccines including flu, HPV, and shingles, plus blood pressure, stress, and cholesterol screenings.
Employee Assistance Program
Confidential support for work-life balance, stress, and resilience, at no cost to employees.
Prescription Coverage
Free prescriptions for employees and families, covering 1,000+ medications at 70,000+ pharmacies nationwide.
The Member Experience
Care that fits around a workday
The plan is built around benefits people genuinely use, because staying enrolled requires using them. A doctor on video at the kitchen table after a shift. Prescriptions filled at any of 70,000+ pharmacies nationwide. Telemedicine and prescriptions that cover the whole family, not just the employee.
- No appointment windows: telemedicine answers any hour of the day
- The whole family is covered, including kids
- An FSA card funded from tax savings for everyday medical costs
For Employers
A benefit that pays the company back
Payroll tax savings
Every pre-tax benefit dollar reduces your FICA liability. For a typical qualifying employee, savings average about $620 per year after all program costs.
Minimum Essential Coverage for everyone
Every participant receives an ACA-recognized MEC plan at the company's expense, so your whole W-2 headcount can take part, not just employees on your group plan.
Healthier, steadier teams
Preventive care, telemedicine, and coaching reduce absenteeism and support retention and hiring in tight labor markets.
Less pressure on your primary insurance
Employees resolve more issues through covered preventive care, reducing claims pressure on your main plan over time.
The math, per qualifying employee
- Employer FICA savings7.65% on $14,400 of pre-tax benefits per year
- +$1,101.60
- Program administrationCapped at $40 per employee per month
- -$480.00
- Net employer benefit, per year
- ~$620
Illustration based on a $35,000 salary and the standard $1,200 monthly benefit allocation. Actual savings vary by employee salary and state. We model your exact numbers on the call.
FAQ
Questions employers ask us
Does my employees' take-home pay change?
Not on any paycheck. The pre-tax deduction and the post-tax wellness reimbursement offset each other, so net pay on each check stays the same, and employees also gain an FSA card funded from their tax savings. Staying enrolled does require using the plan: members complete a health assessment and use their benefits regularly, and benefit use is reconciled under IRS rules at year-end. An employee who stops using the plan is disenrolled, and unused benefit value can become taxable at year-end, which is why the program is built around benefits people actually use.
Does this replace our current insurance?
No. The Decima Plan runs alongside your existing major medical coverage and is compatible with major carriers. Every participant also receives a Minimum Essential Coverage plan, so employees who are not on your group plan can participate too.
What does it cost the employer?
Administration is capped at $40 per employee per month, and the payroll tax savings the plan generates more than cover it for qualifying teams. There is no setup fee and no long-term lock-in.
Which companies qualify?
Employers with W-2 employees on consistent payroll cycles, typically earning $25,000 a year or more. It works especially well in home healthcare, construction, restaurants, security, janitorial, auto repair, and delivery fleets.
How long does implementation take?
Three to four weeks for most companies. It is closer to a payroll conversion than a benefits renewal: we coordinate directly with your payroll or HRIS provider and handle employee enrollment and communication.
How does the plan stay compliant?
The plan operates under IRS Sections 125, 106, 105, and 213(d). Only qualified medical care benefits are on the platform, an accredited third-party administrator verifies every claim, participation requires actual benefit use, and plans are tested for nondiscrimination. Full plan documents are provided during implementation.
Ready to see your numbers?
Book a call and we will model the Decima Plan against your actual headcount and payroll, no obligation.