Payroll Tax Savings for Healthcare & Assisted Living Employers
Reduce Labor Costs Without Reducing Care — All While Supporting the Wellbeing of Your Team
If you run a senior care facility, private practice, behavioral health center, or clinical support operation, you’re in the crosshairs of one of the toughest labor markets in America.
Wages are up.
Retention is down.
Staff burnout is real — and constant.
But here’s what most healthcare operators don’t know:
You can offer your W2 team a preventative wellness benefit — something they’ll actually use —
You can lower your FICA payroll tax burden in the process —
And you can do it without spending a dime or changing your current insurance.
It’s called a Preventive Care Management Plan (PCMP) — and when done correctly, it’s fully compliant with IRS and ACA guidelines.
What Is a PCMP?
A PCMP is a pre-tax, IRS-recognized benefit plan that offers real, accessible wellness support to W2 employees — particularly frontline and non-salaried staff.
The benefit includes:
24/7 telehealth access (physical and behavioral)
Wellness risk assessments and preventive screenings
Coaching for sleep, nutrition, anxiety, and stress
Substance use education and behavioral tools
These services are delivered separately from your core insurance plan — and the structure reduces your payroll tax (FICA) exposure by roughly $600–$800 per employee, per year.
Employees are reimbursed in the same paycheck, and you retain more of what you’re already spending.
Financial Impact Example
Let’s say you operate an assisted living community with 75 W2 employees — CNAs, med techs, dining staff, admin, and maintenance.
75 × $600 = $45,000/year in FICA tax savings
If you manage a network of outpatient clinics, with 30–50 employees per site across 4 locations?
150 × $600 = $90,000/year — without changing headcount or insurance.
This is not a credit, a grant, or a reimbursement. It’s real-time payroll tax savings that flow back into your budget each pay cycle.
Why It Works for Healthcare & Caregiving Businesses
1. It Supports the Mental Health of Your Care Team
Whether you run a memory care unit, physical therapy clinic, or a dental office, your people are carrying the weight — emotionally, physically, and financially.
The PCMP includes real behavioral health resources your staff can use discreetly, on their own time, without needing a formal diagnosis or EAP paperwork.
2. It Helps You Retain Staff Without Raising Wages
Let’s be honest — you can’t always raise rates to afford bigger paychecks. But giving employees access to telehealth and wellness resources is a powerful gesture that improves retention and lowers burnout — especially for hourly workers who typically get nothing.
3. It Works with Any Staffing Mix
Full-time W2?
Part-time weekend med techs?
Hourly CNAs or shift-based receptionists?
The PCMP is built for the complex, layered staffing model of healthcare — even in high-turnover, variable-schedule environments.
4. It’s Fully Managed — Your Admin Team Won’t Feel a Thing
Implementation is simple. The vendor integrates with your payroll provider and handles:
Enrollment
Reimbursements
Plan documentation
Employee support
No open enrollment, no insurance coordination, no new HR workflows.
Is This Program Legitimate?
Yes — fully. Ficava only works with PCMP vendors that:
Operate within IRS Section 125 pre-tax benefit regulations
Provide plan documents, reimbursement records, and proof of service delivery
Are HIPAA compliant and ACA-aware
Offer complete audit trails and support if requested
This is a conservative, structured benefit strategy — not a gray-area hack.
Questions We Hear from Healthcare Operators
Q: My staff already has access to telehealth through our insurance. Won’t this overlap?
A: Not necessarily. PCMP services are separate and supplemental — they can be used even by uninsured or part-time employees, and the benefit is distinct from your group plan.
Q: What if we already offer a MEC plan to meet ACA requirements?
A: The PCMP doesn’t interfere with your MEC or ACA status. It’s additive, not replacement.
Q: We’re tight on time — is this going to require HR bandwidth?
A: No. Setup is handled by the PCMP vendor, including payroll configuration and all employee communication. Your team doesn’t have to manage it.
Summary Snapshot
What you get:
~$600+/employee/year in FICA savings
Better retention & morale
Administered for you
What it costs:
$0 net cost
No disruption to payroll
No insurance requirement
Let’s See What You Could Save
If you’re running a clinic, care center, or facility with 15+ W2 employees, the PCMP may allow you to offer a meaningful benefit to your staff while saving tens of thousands in payroll tax.