Frequently Asked Questions

  • A SIMERP works alongside your existing ACA-compliant medical plan.

    Your current coverage remains in place. The SIMERP adds supplemental benefits and access to Revive Health, a 24/7 virtual healthcare platform that provides nationwide access to care, mental health support, and prescription cost assistance.

    Together, they create a more complete benefits offering.

  • SIMERP plans are designed for employers with W-2 employees who are enrolled in an ACA-compliant health plan.

    Most small and mid-sized businesses qualify, particularly those with full-time employees working 30 or more hours per week. Participation guidelines are reviewed during setup to ensure the plan is structured correctly.

    The program is built to work across a wide range of industries and company sizes.

  • Most companies are up and running within 30 to 60 days.

    The process includes a payroll review to show how implementing the SIMERP will affect taxable wages and payroll taxes, preparation of the required plan documents, and employee enrollment.

    Most companies are up and running within 30 to 60 days.

    The process includes a payroll review to show how implementing the SIMERP will affect taxable wages and payroll taxes, preparation of the required plan documents, and employee enrollment.

    The SIMERP provider guides the rollout and works directly with your payroll system, making the program simple to implement.

  • The SIMERP provider handles the plan documentation, compliance reporting, and coordination with your payroll system.

    Your team provides payroll information during setup and supports employee enrollment. After launch, the program runs through your existing payroll process and systems.

    The structure is designed to integrate seamlessly into your existing processes.

  • Enrollment begins with a payroll review to confirm eligibility and show how implementing a SIMERP would affect taxable wages and payroll taxes.

    Employees are then introduced to the program and given the opportunity to enroll. The SIMERP provider prepares the required documentation and coordinates directly with your payroll system.

    Once enrollment is complete, the program runs through your existing payroll process and systems.

Get Started

  • A SIMERP, or Self-Insured Medical Expense Reimbursement Plan, is an employer-sponsored benefit structure built on established IRS guidelines.

    It allows a business to structure payroll in a way that improves tax efficiency and uses those savings to fund additional health benefits for employees.

    The company keeps its existing medical plan in place. The SIMERP layers in supplemental coverage and access to virtual care, creating a more complete benefits package without increasing overall payroll costs.

  • SIMERP builds on established IRS Sections 105 and 125, which allow employers to structure medical reimbursements and pre-tax payroll contributions in a compliant way.

    Recent changes in how these rules are applied have created new ways for employers to get more value from their payroll dollars.

    When payroll is structured this way, taxable wages are reduced. That reduction lowers employer FICA costs, and the savings fund supplemental coverage and access to Revive Health.

    Your existing health plan remains in place. The SIMERP adds an additional layer of support.

  • Employees gain additional coverage and healthcare access without a change to their take-home pay. The program is structured so the tax savings generated through payroll are used to fund the supplemental benefits and access to Revive Health.

  • Employees gain access to Revive Health, a comprehensive virtual healthcare and wellness platform.

    Revive Health is built around convenience. Employeees can connect with licensed providers 24/7 from anywhere in the country for primary care, mental health support, chronic condition management, preventive services, and help managing prescription costs, all from their phone or computer.

    The SIMERP also includes supplemental benefits such as accident, disability, and hospital coverage, which provide cash payments directly to the employee if a qualifying event occurs.

    It is healthcare that is easier to use and more affordable, with added protection for unexpected medical events.

  • When a company implements a SIMERP, payroll is structured under established IRS guidelines in a way that reduces taxable wages.

    That reduction lowers employer payroll tax obligations. The tax savings created by offering the SIMERP are then used to fund the supplemental benefits and access to Revive Health.

    This structure allows employers to add meaningful health benefits without increasing their overall benefits spend.

  • Yes. A SIMERP is built on established IRS Sections 105 and 125 and operates alongside an ACA-compliant medical plan.

    Formal plan documents are created, and required reporting and documentation are handled by the SIMERP provider as part of the program structure. The framework is designed to align with federal guidelines while allowing employers to structure benefits more efficiently.