Healthier Employees. Lower Costs.
Better care that improves lives and reduces employer expenses.
NuSpark WellBeing
What It Is:
A zero-cost, telehealth-first employee wellness program that delivers 24/7 virtual care, mental health support, free pharmacy delivery, and lifestyle coaching — while saving employers up to $640 per employee annually in payroll taxes and reducing workers’ comp premiums, all with no changes to existing benefits or HR disruption.
1. General Summary of Solution
NuSpark WellBeing is a telehealth-first wellness program designed for employer-sponsored deployment
Provides virtual primary care, urgent care, mental health support, pharmacy delivery, and lifestyle coaching
Operates alongside existing benefit plans without replacement or disruption
Delivers on-demand access to care with minimal administrative involvement
2. Profit Impact
Generates approximately $640 per year in FICA tax savings per participating W-2 employee
Supports workers’ compensation premium reductions in many states
Reduces long-term healthcare-related cost pressure through early and accessible care
Produces recurring savings while improving retention and day-to-day productivity
3. Benefits to HR Leadership
Adds a high-impact wellness benefit without increasing HR workload
Enhances retention and engagement through practical, easy-to-use care access
Strengthens recruitment appeal with a modern, employee-valued offering
Improves workforce stability without altering existing benefit plans
4. Behind the Solution
Delivered through a vetted national telehealth and wellness partner
Structured to meet compliance requirements while remaining simple to deploy
Requires no changes to existing benefit plans or payroll operations
Overseen by Paul Mosenson to ensure measurable savings and ease of adoption
Let’s Talk
Every business has different priorities, cost structures, and goals.
That’s why I personally review each opportunity—so you don’t waste time on something that’s not a fit.
Let’s chat. Just a short conversation to explore your needs and start building a working relationship.
Revolutionizing Employee Wellness — With Immediate Cost Savings for Employers
The NuSpark WellBeing Program, powered by our national healthcare partner, delivers a telehealth-first approach to employee wellness that produces measurable employer savings. On average, companies save $640 per participating employee per year in FICA taxes, with additional workers’ compensation premium reductions in most states—all while giving employees 24/7 access to high-quality healthcare.
This is a no-cost, fully compliant, and zero-risk program that improves retention, strengthens recruitment, and boosts productivity—without changing your existing benefits or adding to HR workload.
How It Works for Employees
NuSpark WellBeing partners with a vetted, nationally recognized healthcare organization to provide employees with a single, seamless platform for care—accessible anytime, anywhere. Every participant receives:
- Primary Care – Ongoing access to a dedicated physician for preventive care, screenings, and ongoing health management.
- Urgent Care – 24/7/365 virtual access to licensed U.S.-based doctors for immediate needs, typically within minutes.
- Mental Health – Confidential counseling, coaching, and crisis support available by phone, video, or chat.
- Pharmacy – Free home delivery of 1,000+ maintenance medications and 70+ urgent medications, plus deep discounts on others.
- Weight Health – Structured support and clinical guidance for healthy weight management, including nutrition and lifestyle coaching.
This holistic approach ensures employees receive comprehensive physical and mental health support—at no cost to them or the employer. At the same time, the program’s IRS-compliant structure generates measurable payroll tax savings and other financial benefits for your company.
Book a discovery call with Paul Mosenson
For Business Leaders: A Financial Wellness Benefit
Help your employees access top-tier wellness care while unlocking significant savings for your business—At No Cost to Your Company
What’s in It for Employers
✅ Up to $640 in FICA Tax Savings Per Employee, Per Year
Reduce your payroll tax burden and improve cash flow. For a company with 100 employees, that’s potentially $64,000 annually back to your bottom line.
✅Zero out-of-pocket cost benefits for your employees.
Through the Self-Insured Medical Expense Reimbursement Plan (SIMERP), employees gain access to wellness benefits and tax-free reimbursements — delivering meaningful financial and health value without reducing their take-home pay.
✅ Workers’ Comp Premium Reductions
In most states, reduce workers’ compensation premiums by up to 18% due to lower taxable payroll — another direct cost savings for your business.
✅ No Changes to Current Benefits or Payroll
The program layers smoothly over your existing health plans, requiring no plan changes and no disruption to employee paychecks.
✅ Stronger Retention, Engagement, and Morale
Offer in-demand, meaningful wellness benefits — like virtual care, mental health support, pharmacy benefits, and weight management — that employees value and actually use.
✅ Enhanced Recruitment Advantage
Position your company as an employer of choice, attracting top talent with a no-cost, best-in-class benefits package.
✅ Improved Productivity and Fewer Absences
With around-the-clock virtual access to urgent care, primary care, mental health services, and medications, employees stay healthier and more present at work.
✅ Full Administrative Support and Compliance
We handle onboarding, employee education, enrollment, compliance, and payroll integration — ensuring minimal lift for your HR and leadership teams.
✅ Zero-Risk, Zero-Investment Implementation
There’s no upfront cost, no financial risk, and no obligation. If you don’t save, you don’t pay.
✅ Works Seamlessly with Your Existing Health Plan
The program layers smoothly over your current medical, dental, and vision benefits—no plan changes, no new insurance carriers, and no disruption to employee paychecks. It simply adds high-value wellness and telehealth services on top of what you already offer.
Core Employer Challenges We Solve
Healthcare costs rising 7–9% annually, putting constant pressure on budgets.
Long wait times and physician shortages leave many employees “medically homeless.”
Traditional benefits often see low engagement due to complexity or out-of-pocket costs.
Proven Financial Impact
Average $367 savings per redirected encounter (ER, urgent care, or PCP).
$25.71 savings per prescription fill on average.
40–50% first-year utilization rates (some clients exceed 70%).
Documented case: 1,000-employee company achieved ~$316,000/year in claims savings.
Business Impact Beyond Claims
43% reduction in absenteeism.
2.5× productivity increase for engaged participants.
25% higher employee engagement with health programs.
10% boost in job satisfaction, aiding recruitment and retention.
Understanding SIMERP — The Structure Behind the Savings
The Self-Insured Medical Expense Reimbursement Plan (SIMERP) is the IRS-approved framework that powers NuSpark WellBeing’s financial and employee health benefits. Under SIMERP, employers can reimburse workers for qualified medical expenses—such as preventive care, telehealth visits, prescriptions, mental health services, and weight health—on a tax-free basis.
For employers, this structure creates an average annual FICA tax savings of $640 per participating employee, plus potential reductions in workers’ compensation premiums in most states. For employees, it means up to $1,220 per month in additional, tax-free wellness benefits without reducing take-home pay.
Because SIMERP is built to integrate seamlessly with your existing health plan, there’s no disruption to payroll, no need to replace current benefits, and no out-of-pocket cost to the company. The program is fully compliant with IRS Sections 213(d), 105(b), 106(a), and 125, as well as ERISA, HIPAA, ADA, and ACA standards—backed by up to $500K in employer audit protection.
The result is a risk-free, cash-positive strategy that strengthens employee health and engagement while delivering measurable bottom-line gains.
Are you ready to turn employee well-being into a financial win—for both you and your team?
Here’s how the NuSpark WellBeing program works in real numbers.
- Let’s say your employee earns $39,250 per year. That’s about $3,293 per month in gross pay.
- Under our wellness plan, $1,220 is deducted on a pre-tax basis each month. But this isn’t money lost—it’s the value of a qualified health benefit, and it reduces the taxable income.
- That means you—the employer—save on FICA taxes. Specifically, you keep over $53 per employee, every month. Multiply that across your workforce, and the savings add up fast.
- Now for the employee: their taxable income drops. Withholdings go down. Even after we deduct the monthly wellness program cost of $149, the math still works in their favor.
Why?
Because we reintroduce that $1,220 as a non-taxable reimbursement. The result? Their take-home pay actually increases—from $2,456 to $2,616 per month.
That’s more cash in their pocket—with better benefits and zero net cost to you.
And setup? It’s simple. We handle the census, the paperwork, and the white-glove support.
With NuSpark WellBeing, everybody profits from smarter care.
How We Calculate Your Company’s Savings
Savings come from two sources: FICA tax savings and lower workers’ comp premiums.
FICA Savings: $640 per participating employee per year.
Formula: Employees × $640 = Total FICA SavingsWorkers’ Comp Savings: Up to 18% reduction on premiums (est. $1,000/employee).
Formula: Employees × $1,000 × 0.18 = Workers’ Comp Savings
Example (100 employees): $64,000 FICA + $18,000 workers’ comp = $82,000 annual savings — with no net cost to your business.
How It Works: Simple, Fast, and Fully Supported
Eligibility: W2 employees working 30+ hours/week with qualified health insurance (through employer, spouse, or private plan).
Implementation: Fully operational in ~30 days, with seamless payroll integration and automated processes.
Support: Comprehensive onboarding, education, employee webinars, and a dedicated support team to ensure success.
Compliance Protection
- $500K audit legal expense protection for the employer
- $10K audit legal expense protection for each employee
- Fully HIPAA compliant and legally structured to IRS standards
Book a discovery call with Paul Mosenson
More about the Platform and My Role
More About the Platform and My Role
For transparency, this program is delivered through a trusted national partner, and I serve as your ambassador and guide.
When we connect, I’ll walk you through the essentials. Once we confirm your interest, I’ll introduce you to our partner team, who will provide a deep dive into the platform, answer your questions, and help tailor the program to your business.
First, let’s talk.
→ Book your call with Paul Mosenson, Founder, NuSpark WellBeing
Set Up a Call With Us to Get Started
What Your Employees See and Get
Dashboard Overview
Personalized Healthcare That Works for Employees—Wherever They Are
Getting quality care shouldn’t require waiting weeks or rearranging your life. Through NuSpark WellBeing, employees gain access to a nationwide virtual primary care experience—designed around them. It’s healthcare on their terms, without the red tape.
What Employees Get:
Their Own Dedicated Doctor
Ongoing access to the same physician builds trust, improves outcomes, and ensures every decision is made with their full history in mind.Appointments Within 1–3 Days
No more long waits—schedule consultations quickly and get care without delays.Virtual Visits from Anywhere
Employees receive expert care, prescriptions, referrals, and wellness guidance without leaving home.Private, Secure Access
All health data stays protected—confidential and fully HIPAA-compliant.Proactive, Not Just Reactive
Annual wellness visits include in-depth screenings and personalized health plans to help employees stay healthy, not just treat illness.Coverage That Travels with You
With national reach, employees stay connected to the same doctor—whether working remote, on the road, or moving across states.
Making exceptional primary care accessible wherever you are—that’s our standard.
With NuSpark WellBeing, employees don’t just get a benefit—they get a better healthcare experience.
Urgent Care That’s Actually Urgent
Emergencies don’t wait—and now, neither do your employees. With on-demand virtual urgent care, they get rapid, expert help without the lines, the travel, or the uncertainty. Because when it comes to health, fast and high-quality shouldn’t be a trade-off.
What Employees Get:
Medical Help Within Minutes
Skip the waiting room. Get expert advice, treatment plans, and prescriptions in as little as 20 minutes—straight from home.24/7/365 Access
Healthcare shouldn’t clock out. Employees can reach licensed medical professionals anytime, day or night.Nationwide Coverage
Whether they’re traveling, commuting, or at home—urgent care is always just a tap away, in all 50 states.Top-Tier Doctors, Every Time
Every visit connects employees with credentialed, U.S.-based doctors known for their compassion and clinical expertise.Private, Reliable, and Safe
Every session is fully encrypted and HIPAA-compliant. Confidentiality and peace of mind come standard.
It’s urgent care redefined—so your team can feel better, faster, without the wait.
With NuSpark WellBeing, urgent care becomes a benefit your employees actually use—and trust.
Mental Health Support That Meets You Where You Are
Asking for help is a big step. That’s why our mental health services are designed to make it feel safe, supportive, and stigma-free—so employees can get the right care, right when they need it.
What Employees Get:
Expert Guidance from Day One
Master’s-level clinicians help each employee find the right care—whether it’s short-term support or ongoing counseling.Confidential and Secure Sessions
Mental health is deeply personal. Every conversation stays private and protected.Flexible Ways to Connect
Employees can choose chat, phone, or video—whatever’s most comfortable and convenient for them.Real-Time, Round-the-Clock Help
Immediate 24/7 support is available for moments of stress, crisis, or uncertainty—no waiting, no judgment.Consistent Check-Ins and Coaching
Employees aren’t left to figure it out alone. Regular follow-ups help them stay on track with care plans and see real progress.Support for Every Situation
From anxiety and burnout to life transitions and family challenges, employees have access to coaching, counseling, and resources tailored to their needs.
Because mental health isn’t a one-size-fits-all issue—NuSpark WellBeing helps your team feel seen, supported, and empowered.
Pharmacy Benefits Without the Hassle
Getting the medications you need shouldn’t be a logistical nightmare. With NuSpark WellBeing, employees get fast, affordable, and personalized pharmacy support—without ever waiting in line.
What Employees Get:
Free Home Delivery
Prescriptions delivered straight to their doorstep—no driving, no waiting, no interruptions.1,000+ Free Maintenance Medications
From blood pressure to cholesterol, employees get the long-term medications they need at no cost.70+ Free Urgent Medications
Immediate access to essential prescriptions—available at over 70,000 pharmacies nationwide.Easy Refills and Seamless Transfers
Refill reminders, digital tracking, and effortless prescription transfers make medication management stress-free.On-Demand Pharmacist Support
Questions about side effects or interactions? Expert pharmacists are ready to help—quickly and reliably.Discounts on Everything Else
A built-in savings card offers significant discounts on controlled substances and brand-name medications not covered by the free formulary.
We’ve made filling prescriptions faster, easier, and more affordable—because good health shouldn’t come with extra hurdles.
Specialist Access Without the Long Wait
Seeing a specialist shouldn’t take 6 weeks—and with NuSpark WellBeing, it doesn’t. Employees get fast, streamlined access to top-tier specialists, without the frustration of traditional wait times.
What Employees Get:
Access to Skilled, Vetted Specialists
From cardiology to dermatology and beyond, employees are matched with high-quality specialists who bring deep expertise and trusted care.Appointments Within Days
No more 42- to 63-day waits. Employees are seen quickly, so they can take action sooner—without added stress.Convenient Scheduling
Care fits their schedule, not the other way around. Appointments are arranged at times that work best for them.Virtual or In-Person Options
Whether online or at a clinic, employees receive seamless referrals and guided care navigation.Confidential and Secure
Every consultation is fully encrypted and HIPAA-compliant, ensuring data stays protected and private.
Say goodbye to endless waiting—and hello to fast, expert care that puts your team’s health first.
With NuSpark WellBeing, employees move from concern to clarity in days, not weeks.