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Preventive Care Benefits Plan

We’ve partnered with IronGate to deliver a dual benefit: employees receive valuable pre-tax wellness benefits, and employers save an average of $1,186 per W-2 employee yearly on payroll taxes. It’s a strategic enhancement for all. Start benefiting today.

You Paid Illegal IEEPA Tariffs. We'll Help You Get Every Dollar Back.The Supreme Court ruled $166 billion in tariffs unlawful. That money – plus interest – belongs to you. We connect you with vetted legal partners who do one thing: recover your refund before deadlines close.

Tariff Refund

Discover Card Settlement

Partner with IronGate Business Advisors to secure your portion of the Discover Card settlement. The final deadline to file a claim is May 18, 2026. Don't miss out—complete our simple form, e-sign your documentation, and we'll handle the entire submission process for you. Time is limited.

Through our partnership with On Point Payment, we provide free processing equipment with no fees or long-term contracts. Enjoy next-day funding and robust security measures designed to support your growth. Start optimizing your payments now.

Credit Card Processing Services

Enhance Employee Benefits While Reducing Payroll Taxes

A Smarter Way to Retain Employees and Improve Cash Flow

Business owners are under constant pressure to control costs while offering competitive benefits. Our Preventive Care Benefits Plan allows you to do both—without increasing payroll expense or disrupting your existing health plan.

This IRS-compliant strategy enables employers to offer their employees and their families access to additional health and wellness benefits without reducing their net take-home pay, all subsidized via tax savings.

How the Program Works

By implementing a supplemental, pre-tax benefits structure, eligible wellness and healthcare benefits are delivered more efficiently. This reduces taxable wages for FICA purposes, resulting in lower employer payroll taxes—while employees receive enhanced coverage at no reduction in take-home pay.

The result is a win-win: you save money, and your employees gain valuable benefits.

Key Benefits for Business Owners

✓ Lower Payroll Taxes

✓ No Out-of-Pocket Cost

Most employers save an average of $1,100+ per W-2 employee each year in FICA taxes, improving cash flow without cutting staff or increasing revenue.

The program is designed to be cost-neutral for the business. There are no implementation fees, and savings typically exceed program costs.

✓ Stronger Employee Retention

Offer benefits such as telehealth, preventive care, mental health support, and prescription assistance—benefits that increase employee satisfaction and reduce turnover.

✓ No Change to Existing Health Insurance

This program works alongside your current medical plan. No need to replace carriers, renegotiate policies, or disrupt employee coverage.

✓ IRS-Compliant & Professionally Managed

The program is structured to align with IRS regulations and administered by experienced professionals, minimizing risk and administrative burden.

Key Employee Benefits at No Out-of-Pocket Cost

24/7/ Telehealth - Talk to a Doctor Anything

Mental Health Counseling - Support When You Need it

12 Virtual Primary Care Visits per member per year and 12 care visits per covered child per year

Additional Employee Benefits - Extra Protection for Life's Unexpected Events

Quest diagnostic labs

RX coverage with no copays

*for formularies covered

No obligation. No upfront cost.

Why Business Owners Choose This Program

Unlike traditional benefit upgrades that increase expenses, this strategy reallocates existing payroll dollars more efficiently. Employers gain immediate tax savings while positioning their business as a more attractive place to work.

Find Out How Much Your Business Can Save

Many employers are surprised by how much they qualify for—often tens of thousands of dollars annually depending on staff size. Discover your potential payroll tax savings and see how easily this program can be implemented.

No obligation. No upfront cost.

Preventive Care Benefits Testimonials

Discover what our clients think about our Preventive Care Benefits

No obligation. No upfront cost.

Preventive Care Benefits Plan

FAQs

Why Was This Program Created?

The program originates from the Affordable Care Act (ACA) of 2014 and builds on earlier frameworks like Section 125 plans (ERISA 1974) and HIPAA (1996). It was designed to improve efficiency in healthcare delivery while ensuring employees have access to compliant, subsidized benefits.

How Do the Savings Work?

The program applies a fixed pre-tax deduction to each participating employee's paycheck. This lowers their taxable wages, which reduces the FICA tax liability for the employer. The FICA rate of 7.65% remains the same, but it is now applied to a reduced amount, generating savings for the employer.

Is the Preventive Care Program compliant with IRS and ACA regulations?

Yes. The program is fully compliant with IRS Sections §125, §104(a)(3), §105(b), §106(a), and §213(d), as well as ERISA and ACA regulations (e.g., 42 U.S. Code §300gg-4(i)(3)(c)). All documentation and administration are handled by licensed third-party providers to ensure compliance.

How Does This Affect My Current Healthcare Plans?

The program does not replace existing health coverage. Employees can keep their current plan. It simply adds additional wellness benefits and includes a Minimum Essential Coverage (MEC) plan to meet ACA requirements. For employees without major medical coverage, it can function as a stand-alone option.

What Are the Employee Requirements to Qualify?

Employees must earn at least $26,000 per year and average 30 or more hours per week. Enrollment in existing major medical coverage is not required, as MEC is automatically included. Employees currently on Medicaid are not eligible.

Does This Cost Anything Out of Pocket?

There is no out-of-pocket cost for either employers or employees. The program is funded through a pre-tax structure that reallocates part of employee tax savings to subsidize benefits. Employers are not charged administrative fees on their savings.

What Does the Process Look Like to Get Started?

Implementation is a simple 3-step process: (1) Discovery & Eligibility Review, (2) Payroll Setup & Administration, and (3) Employee Onboarding via a guided digital process. Most companies are live within 2–3 weeks.

What Benefits Are Included in the Plan?

The plan includes unlimited virtual urgent care, 12 primary care visits per enrolled household member per year, unlimited common prescriptions at no cost, and 12 mental health counseling sessions. It also provides additional wellness resources, a MEC plan (with 3 in-person visits), hospital bill eraser, and a group whole life insurance policy if tax savings are sufficient.

What Kind of Prescriptions Are Covered?

Over 1,000 common generic prescriptions are included at no cost. Specialty or brand-only drugs may vary depending on availability.

Does This Affect My Take-Home Pay?

No. In many cases, employees see a slight increase in net take-home pay due to leftover tax savings after deductions are applied.

No obligation. No upfront cost.

Tariff Refunds

No Upfront Cost & No Obligation

Your Business May Be Owed Tariff Refunds

The U.S. Supreme Court recently ruled that many tariffs imposed under the International Emergency Economic Powers Act (IEEPA) were unlawfully collected. As a result, businesses that imported goods into the United States may now have the opportunity to recover significant tariff payments — potentially including interest.

Many importers still do not realize they may qualify.

Credit & Refund Specialists helps businesses understand their refund opportunities and navigate the process of reviewing imports, gathering documentation, calculating potential refunds, and preserving recovery rights through strategic partnerships with experienced tariff recovery and trade compliance professionals. Advance funding may be available for qualified claims.

• Feb 2025 – Feb 2026: You paid IEEPA tariffs on imports.

• Feb 2026: Supreme Court said "Illegal."

• Now: The government owes you a refund. But no automatic check is coming.

⏰ Once your entry liquidates, you have just 180 days to claim it. Miss the window? That refund is permanently gone.

No Upfront Cost, No Obligation

What Is a Tariff Refund?

Here’s the easiest way to think about it:

Many companies paid tariffs on imported goods that the Supreme Court later ruled should not have been charged under IEEPA.

Now businesses may have an opportunity to:

1. Identify affected imports

2. Calculate how much was paid

3. Submit supporting documentation

4. File refund-related claims

5. Potentially recover money plus interest

The challenge is that the process can be technical and time-sensitive, which is why many companies are seeking professional guidance.

Credit & Refund Specialists helps businesses review potential tariff refund opportunities and understand the next steps in the recovery process through a trusted network of tariff recovery professionals and compliance specialists.

If your company imported products and paid tariffs, now is the time to review your eligibility. Advance funding may be available for qualified claims.

Who May Qualify for a Tariff Refund?

Your business may qualify if you:

• Imported products into the United States

• Paid IEEPA-related tariffs

• Used a U.S. subsidiary for importing

• Shipped goods under DDP terms and absorbed duties

• Reimbursed tariff costs to importers

• Absorbed increased tariff-related supply chain costs

Industries commonly impacted include:

• Manufacturing

• Automotive

• Consumer products

• Electronics

• Apparel & textiles

• Construction materials

• Industrial equipment

• Medical supplies

• Food & beverage imports

• Wholesale distribution

Not seeing your industry? If you import physical goods, you were likely affected.

Why Importers Partner with Us

1. We Make a Complex Process Easier to Understand

Tariff refunds involve customs records, entry reviews, liquidation timelines, compliance reviews, and legal procedures that most business owners have never dealt with before.

Credit & Refund Specialists helps simplify the process by helping businesses:

• Understand whether they qualify

• Identify required documentation

• Review important deadlines

• Understand potential recovery opportunities

We help turn a confusing legal and customs process into a clear action plan.

2. Access to a Specialized Tariff Recovery Network

Credit & Refund Specialists works through strategic partnerships with experienced professionals in tariff recovery, customs compliance, and trade-related claim support.

This gives businesses access to guidance and resources that may help with:

• Customs entry analysis

• Refund calculations

• Documentation preparation

• Compliance reviews

• Filing support

• Recovery strategy

Businesses benefit from a coordinated approach designed to simplify the process and help preserve refund opportunities.

3. We Help Businesses Protect Their Refund Opportunities

Many businesses assume refunds will happen automatically. In reality, tariff recovery can depend on filing deadlines, liquidation status, supporting documentation, and proper claim preparation.

Waiting too long may reduce recovery options.

That is why businesses are acting now to:

• Preserve their rights

• Organize customs data

• Prepare refund documentation

• Review affected imports before key deadlines pass

No Upfront Cost, No Obligation

Discover what we discussed with host 'Dollar Bill' on his Spotify podcast

In this week’s episode, Dollar Bill welcomes two very special guests!

The small business duo interview Kevin Johnson, founder of Credit and Refund Specialists in Pennsylvania, and Ryan Rakow, founder of On Point Payments, who share their expertise on helping small businesses save money and streamline operations. Dollar Bill & Dave discuss transparent credit card processing and merchant services with these two dynamic guests.

So, sit back, have a listen, and enjoy another episode—and as Dollar Bill always says, “turn your common sense into dollar bills!”

"Talking Cents" About Your Payments

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