SIMRP for School Districts, Their Employees & Students

What is A SIMRP Wellness Program

When you participate in our SIMRP, you get two great opportunities for your school district, students, employees and their families:

Preventive Care Management Program: The program is a collection of benefits that you and your dependents can use with no copays or other costs. This includes telemedicine, prescription drugs and specialties like the Anura® Facial Scan app, access to the Mayo Clinic®'s talks and programs and much more! These benefits are accessed through a Personal Portal using your laptop, tablet, or phone. For a closer look at the complete offering of benefits, please see our Benefits page.

Tax Savings & Increase to Take-Home Pay: The SIMRP premium is deducted on a pre-tax basis from the employee's paycheck, which generates tax savings that enables participants to purchase the wellness benefits without coming out of pocket! In fact the tax savings is typically large enough to cover the wellness plan and generate a net take-home pay increase.

HEALTH & WELLNESS WITH NO EXTRA COST

How Does this Benefit the School District?

Our SIMRP can provide a school district with a structured way to enhance employee benefits while improving payroll tax efficiency. When implemented and administered in accordance with IRS guidelines, eligible medical reimbursements can be delivered on a tax-advantaged basis, and portions of employee contributions may reduce taxable wages, which in turn can lower the district’s FICA obligations.

At the same time, employees gain access to additional healthcare resources—such as telehealth, mental health support, and prescription benefits—without increasing the district’s direct benefit spend. The result is a program that can strengthen overall compensation, support employee well-being, and create measurable budget efficiencies, all while operating alongside the district’s existing health plan.

On top of all these benefits SIMRP Health & Wellness also contributes to further student education. Learn more about Scholarships Here.

EMPLOYEE MORALE, PAY INCREASE, HEALTH & DISTRICT TAX SAVINGS

Financing the Plan

Typically, the most difficult concept to grasp is the mechanics of how the plan is financed. A SIMRP utilizes the laws surrounding various tax codes in order to facilitate an IRS code compliant plan that provides an abundance of benefits to employers and employees. This video will take you on a guided tour and explain the tax deduction and subsequent reimbursement process.

WHERE DOES THE MONEY COME FROM?

How Does the SIMRP Benefit School Employees?

Our SIMRP helps school employees by providing access to valuable healthcare resources while typically improving overall take-home pay for eligible employees. When properly structured, eligible medical expenses can be reimbursed on a tax-advantaged basis, helping employees keep more of what they earn.

In addition, the SIMRP provides very practical beneifts that can be shared with the legal dependents of the employee with no regard to their major medical insurance provider. The SIMRP includes 24/7 access to doctors, mental health support, and access to commonly prescribed medications at no cost. This allows employees and their families to receive convenient, care without added financial burden, supporting both their health and financial well-being throughout the year!

MORALE, TAKE-HOME PAY INCREASES & HEALTH

Laws & Tax Codes A Free Guide

Sounds Too Good To Be True

That is a typical response when we unfurl the benefits of the SIMRP to folks for the first time. We can assure you it is a legal tax incentive program, however the SIMRP isn't for everyone. An organization MUST qualify for the plan. Like all government tax incentive programs there are rules:

1: The plan is only available for Full Time Employees or Full Time Equivalent. Rule of thumb - If you provide benefits for an employee currently, they will qualify for the SIMRP.

2: The plan is only available to W-2 employees. Around 10% of the US workforce file a 1099. That means around 17 million people in the USA will not qualify for SIMRP benefits.

3: Participants MUST have Affordable care Act (ACA) compliant health coverage. Employees don't have to be covered under the school district's plan directly. They just need compliant health coverage. The SIMRP is an incentive for those who have health insurance.

For more information regarding the legality of SIMRP plans please see the article "Are SIMRP Plans Legal? Understanding the Truth Behind the Headlines".

IS THIS SIMRP LEGAL?

Get in touch

If you're interested in enrolling in benefits that can support the employees and students in your school district or workplace, please fill out the contact form below to request more information about the benefits available. An Attentive representative would be delighted to arrange a phone call, video conference, or in-person meeting with you and your employer!