Better access for your team. No change to take-home pay.
BizPower Benefits is the technology and expertise behind your Employer Sponsored Preventive Access (ESPA). Virtual urgent care, primary care, and mental health support for employees and their families.
An annual comprehensive lab panel for the employee. An average of $150 a month in supplemental insurance benefits. Built to pair with your major medical plan.
HR Director, Manufacturing
“The setup was fast and efficient — no disruption to our operations, no confusion among our team. The enrollment process was simple, and their staff provided all the support we needed to ensure a successful launch.”
An employer-sponsored plan that pairs with your major medical.
The Employer Sponsored Preventive Access (ESPA) is an employer-sponsored plan.
The employer sponsors it. BizPower Benefits provides the plan documents, the technology, and the administrative infrastructure. The plan pairs a Section 125 Cafeteria Plan with a Self-Insured Medical Reimbursement Plan (SIMRP) and preventive health benefits, all coordinated through one employee technology portal.
Better access for employees and their families
Reduced dependency on the major medical plan
Employees who use the ESPA for routine and preventive needs rely less on the ER, urgent care, and specialist visits. Over time, that softens pressure on the major medical plan at renewal.
Payroll tax savings the employer recovers
The Section 125 plus SIMRP structure converts a portion of taxable wages into qualified medical reimbursement. The payroll tax savings the employer recovers typically exceed the cost of plan administration.
Everything your team has access to through the ESPA.
CAre access
- 24/7 virtual urgent care
- Virtual primary care
- Mental health counseling and psychiatric care
- Specialist navigation and care coordination
PREVENTIVE CARE & PRESCRIPTION SUPPORT
- Annual comprehensive lab panel for the enrolled employee
- Prescription access and discounts on more than 1,000 medications
- Online vision care and prescription renewal
- Member perks and lifestyle resources
FINANCIAL PROTECTION
- An average of $150 per month in supplemental insurance benefits
- Identity and financial protection services
- Whole-family scope at the same price
- No change to take-home pay
Four steps from evaluation to ongoing administration.
Evaluation
Plan Documents and Setup
Employee Enrollment
Ongoing Administration
Built on named IRS code sections, not workarounds.
See what the ESPA looks like for your team.
Frequently asked questions
The Employer Sponsored Preventive Access (ESPA) is an employer-sponsored plan that pairs a Section 125 Cafeteria Plan with a Self-Insured Medical Reimbursement Plan (SIMRP) and preventive health benefits. The employer sponsors the plan. BizPower Benefits provides the plan documents, technology, and administrative infrastructure.
No. The ESPA pairs with your existing major medical plan. It does not replace it, change it, or interfere with broker relationships.
No. The plan is structured so that employee take-home pay does not change.
About 30 days from enrollment to the first payroll cycle reflecting the plan.
Employers with W-2 employees, from small businesses to large enterprises. The plan works for C-Corps, S-Corps, LLCs, partnerships, nonprofits, and municipalities.
Note: Tax benefits stem from the structure of the Self-Insured Medical Reimbursement Plan, which uses pre-tax funding. Employers benefit from reduced FICA taxes, while employees only realize tax advantages if they actively participate in the plan and earn the reimbursement after-tax. Without participation, any reimbursement becomes taxable, negating the financial benefit.
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