FAQ — Origin Strategic Partners

Question 1

What is the PCMP?

Accepted Answer

The Preventative Care Management Plan (PCMP) is a Section 125 pre-tax employer program. It gives employees access to nine everyday health services. The payroll tax savings it generates typically offset the program cost entirely, resulting in zero net cost to the employer and employee.

Question 2

How does zero net cost work?

Accepted Answer

The PCMP is structured under Section 125 of the tax code. Employee contributions are made pre-tax, which reduces taxable payroll for both the employee and the employer. The reduction in taxable payroll generates payroll tax savings that typically cover the program cost entirely. Consult your tax advisor to confirm how this applies to your business.

Question 3

Does the PCMP replace our existing health insurance?

Accepted Answer

No. The PCMP sits alongside your existing health insurance. It replaces nothing. Employees keep whatever coverage they already have.

Question 4

Is there a minimum group size?

Accepted Answer

No. Any employer with W-2 employees can participate, regardless of how many employees they have.

Question 5

Is the PCMP available in my state?

Accepted Answer

Yes. The PCMP is available in all 50 states.

Question 6

What is the employer commitment?

Accepted Answer

The PCMP requires a 12-month employer commitment.

Question 7

Who is eligible to participate?

Accepted Answer

W-2 employees are eligible. 1099 contractors are not.

Question 8

What nine services are included in the PCMP?

Accepted Answer

The PCMP includes: Virtual Primary Care & Telehealth (including $0 psychology and psychiatry), Virtual Urgent Care, Employee Assistance Program, Lab Testing, Enhanced Medication Formulary (1,000+ medications at $0), MindTrainer PRO, Virtual Pet Care, 401(k) Guidance, and Trust & Will (available after six months of enrollment).

Question 9

What is Everyday Health Access (EHA)?

Accepted Answer

EHA is a separate, employee-elected benefit. Employees can opt in for $189/month after tax. It covers the employee, their spouse, and their children. Eleven services are included. No insurance is required. Employees can cancel any time.

Question 10

Is EHA the same as the PCMP?

Accepted Answer

No. They are separate programs. The PCMP is an employer program with zero net cost. EHA is an employee-elected benefit that employees pay for themselves. They can be offered together or separately.

Question 11

Does EHA replace health insurance?

Accepted Answer

No. EHA works alongside existing health insurance and is not a replacement for it. It is not a Qualified Health Plan under the ACA.

Question 12

Can an employee join EHA without health insurance?

Accepted Answer

Yes. No insurance is required to enroll in EHA.

Question 13

Who is Origin Strategic Partners?

Accepted Answer

Origin Strategic Partners is an independent partner of Elevate EBS. We introduce employers to the PCMP and EHA programs and serve as their local point of contact. Elevate EBS administers the programs. Independent third-party providers deliver the services.

Question 14

Are these programs health insurance?

Accepted Answer

No. Neither the PCMP nor EHA is health insurance or a Qualified Health Plan under the ACA. They are supplemental benefit programs that work alongside existing health insurance.

Question 15

What if I have an emergency?

Accepted Answer

These programs are not emergency care. In an emergency, call 911.

Frequently Asked Questions

The Zero-Net-Cost Plan (PCMP)

Everyday Health Access (EHA)

General Questions

Still have questions?