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A Smarter Approach to

Employee Benefits

Helping businesses reduce costs, improve employee well-being, and enhance workplace satisfaction—without interfering with existing health plans or increasing expenses.

What Is the Lumara Plan?

A modern preventative care health solution that works for everyone.

The Lumara Plan enhances your current employee benefits package with a fully managed, preventative care layer—designed to improve retention, boost satisfaction, and lower employer costs.

No changes to your existing healthcare plan

No added cost to the company or employees

Easy setup in under 30 days

Includes benefits for employees and their families

The plan is structured under IRS Section 125 to deliver tax savings while staying fully compliant with ACA and HIPAA guidelines.

Benefits Employees Receive

Every team member—and their family—gets access to:

24/7 Virtual Primary & Urgent Care

12 Virtual PCP Visits + 12 Child Visits/Year

Mental Health Counseling + Holistic Coaching

Minimal Essential Coverage (MEC)

Employee Assistance Program (EAP)

Hospital Bill Support + Supplemental Insurance

Prescription Drug Coverage (no copays on covered meds)

Nutritional Guidance & Weight Management

Preventative Screenings + Quest Diagnostics

Life Insurance (group term)

Why Employers Choose Lumara

Payroll Tax Savings

Save up to $68,000/year for every 100 qualified employees.

Happier, Healthier Employees

Boost morale and satisfaction without reducing take-home pay.

Hands-Off Implementation

We handle everything—compliance, enrollment, onboarding, and support.

Fully Compliant

Structured under IRS Section 125 and meets ACA and HIPAA requirements.

How It Works

1

We evaluate your company and payroll – no cost or obligation.

2

We customize a preventative care plan that integrates with your existing benefits

3

Employees are automatically enrolled, keeping the same take-home pay while receiving additional healthcare coverage.

4

You save $600-$1,190/year per eligible employee, in payroll taxes.

Why Preventative Care Matters

Employees don’t just want insurance—they want access to care that actually works.

1 in 3 employees skip care due to out-of-pocket costs

Preventable conditions account for over 60% of healthcare expenses

Access to 24/7 virtual care and screenings can reduce absenteeism, ER visits, and long-term claims

The Lumara Plan gives your team what they need—before small issues become big ones.

Companies we integrate with

Automatic Data Processing logo
Paychex logo
Gusto logo
Quickbooks logo
Rippling logo
Trinet logo
Workday logo
Paylocity Logo
Zenefits logo
Wave logo
Netchex logo

See What It Looks Like for You

Get a custom walk-through of your potential savings, employee impact, and implementation timeline.

Frequently Asked Questions

1. What exactly is the Lumara Plan?

The Lumara Plan is a preventative care benefits program that layers on top of your current health plan—at no added cost. It gives employees and their families access to enhanced healthcare services while helping employers reduce payroll taxes.

2. Do we have to change our existing insurance or benefits?

No. Your existing group health insurance and benefits stay exactly the same. The Lumara Plan works alongside what you already offer—there are no coverage changes or disruptions.

3. Is this compliant with IRS and healthcare regulations?

Yes. The Lumara Plan is structured under IRS Section 125 and complies fully with ACA, HIPAA, and all federal guidelines. Documentation is provided to meet audit and legal standards.

4. What benefits do employees receive?

Employees and their dependents receive $0 copay access to:
– 24/7 telehealth and urgent care

– Mental health counseling and EAP
– RX coverage with no out-of-pocket cost for generics

– Preventative screenings, lab work, and more

5. Will this impact employee pay or taxes?

No. Employees keep the same net take-home pay. Their paycheck stays the same—or increases slightly—while they receive new benefits with no out-of-pocket expense.

6. How much can employers save?

Most companies save $600–$1,100 per employee per year in payroll taxes. For example, a company with 50 eligible employees could save $55,000 annually—with zero upfront cost.

7. How long does it take to set up?

Implementation takes just 30–45 days. Our team handles everything—from onboarding and enrollment to compliance and employee communication.

Insights on Smarter Benefits and Healthier Teams

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