Better Benefits. Bigger Paychecks. Zero Net Cost.
WellCore360 is a Section 125 wellness plan that lowers your payroll taxes while raising your employees’ take-home pay. Life insurance, 24/7 telehealth, financial wellness, and concierge services, all funded by tax savings you are probably leaving on the table.
Works alongside your existing health insurance and Section 125 benefits. No disruption, no conflicts.
$50+
estimated employer savings per employee, per month
$139
average employee take-home increase per month in one client case study
$0
net cost to employer or employee
The Gap
Big companies capture this. Main Street rarely hears about it.
Section 125 of the tax code has been around since 1978. Large employers use it routinely to reduce taxable payroll and fund benefits with pre-tax dollars. Most small and mid-sized businesses were never shown how.
Every month that passes, that means real payroll tax dollars out the door for you, and smaller paychecks than necessary for your team. WellCore360 closes that gap with a compliant Section 125 Indemnity Plan that stacks on top of whatever benefits you already offer.
The Numbers
Estimate your savings in 60 seconds
A quick estimate, not a promise. Final numbers come from a free payroll audit of your actual census.
The Program, In Plain Language
A real IRS framework, not a trick
WellCore360 is a Section 125 Indemnity Plan, built on the cafeteria plan rules Congress created in 1978. Employees contribute pre-tax through payroll and receive a full wellness package plus a monthly claims payment back. Lower taxable payroll means the employer saves on FICA, FUTA, and SUTA, and the employee saves on income taxes. It layers on top of any existing plan with no conflicts with FSA, HSA, or HRA benefits.
Pre-tax contribution
- ~2 min
Tax savings generated
Lower taxable payroll means employers save on FICA, FUTA, and SUTA taxes, roughly $50 or more per participating employee per month. Employees save on federal and state income taxes.
- 24–48 hrs
Better benefits, bigger checks
- 4–8 weeks
What Employees Get
Four pillars of total wellness
Sell the Receivable
- $50,000 life insurance policy, no medical exam
- Identity theft protection
- Cybersecurity monitoring
- $0 premiums out of pocket
24/7 Telehealth
- Unlimited urgent care visits, $0 copay
- Whole family covered
- Mental health: up to 8 sessions per event
- Free or $1 access to 4,000+ prescriptions
Financial Wellness
- Award-winning financial dashboard
- Retirement and budgeting tools
- Debt management support
- AI financial planning tool
Concierge Services
- White-glove scheduling
- Medical appointment coordination
- Calendar integration and reminders
- One call for every pillar
Rather talk it through first?
Bring your questions. We will walk your numbers, your current benefits, and whether this fits, no cost and no obligation.
Who This Fits
This probably fits your business if:
- You have W-2 employees on payroll
- You want to add benefits without adding budget
- You already offer health insurance, or you offer none at all. Both work.
- You have an FSA, HSA, HRA, or other Section 125 plan. WellCore360 stacks on top with no conflict.
- You run a spend-heavy operation: restaurants, property portfolios, medical or dental offices, manufacturing, warehousing, hospitality, senior care, retail, or a franchise system.
What Opscale Does
We steward it end to end
Duty to serve is how we operate. You hand us a payroll census; we hand you a program that runs itself.
- Free payroll audit with your exact savings numbers, employer and employee
- Section 125 plan setup with the payroll and back-office team
- Employee education: sessions, webinars, and materials provided
- Dedicated enrollment support for every employee
- Ongoing service, compliance reminders, and quarterly reviews
Verified Client Results
One 35-employee company, 12 months
$19,767
$48,591
$139.63
83%
Source: WellCore360 Total Wellness Program case study, prepared March 2026. One client’s results; individual results vary with salary mix, state, filing status, and participation.
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