A PCMP, or Preventive Care Management Program, is a tax-advantaged wellness benefit program that allows employers to save on payroll taxes while offering employees meaningful, no-cost wellness benefits. The structure is fully compliant with IRS and ACA regulations.

The program reduces each enrolled employee’s taxable income through a pre-tax payroll deduction. This lowers the employer’s FICA tax liability (Social Security and Medicare), resulting in an average savings of over $600 per employee per year.

No. The employee’s paycheck remains the same. The pre-tax deduction is matched with a post-tax reimbursement in the same pay cycle, so employees are made whole every payday. It’s a seamless, behind-the-scenes process.

Employees receive a bundle of IRS-qualified preventive wellness services, including:

• Telehealth access

• Prescription discounts

• Health coaching

• Chronic care tools

• Mental health support

These benefits are valued at or above the pre-tax contribution amount and meet IRS Section 213(d) standards.

Yes. The PCMP is built on long-standing sections of the tax code and includes full plan documentation and compliance oversight. It adheres to:

• IRC Section 105(b) – Medical expense reimbursement

• IRC Section 106(a) – Pre-tax employer-provided benefits

• IRC Section 213(d) – Qualified medical expenses

• ACA Minimum Essential Coverage (MEC) compatibility

Setup is simple and managed by Ficava. We handle:

• Plan documents and onboarding

• Payroll deduction configuration

• Employee education and opt-in

• Ongoing compliance and reporting

Most employers are live within 30 days.

Eligibility requirements can be customized based on company goals. In most cases, the program is offered to W-2 employees, whether full-time or part-time. Ficava will guide you through designing an eligibility policy that aligns with compliance requirements.

Yes! The PCMP is complementary to any existing group health plan, and in many cases, it can help satisfy ACA mandates when paired with Minimum Essential Coverage (MEC).

There’s no catch. This program works by using tax-advantaged structures that have existed for decades. The reason it feels “new” is because it packages them into a turnkey, modern benefit solution. Ficava’s partners ensure the structure, documentation, and benefit delivery are all legally sound and properly managed.

Absolutely. Ficava offers a custom Savings Analysis based on your company size and payroll data. Schedule a quick consultation and we’ll show you exactly how much your organization could save.