FOR INSURANCE AGENTS & BENEFITS BROKERS
Keep their benefits. Give them more.
Keep their benefits. Give them more.
Keep their benefits. Give them more.
Help employer clients add everyday care, prescriptions and personal support alongside the benefits they already offer. The FICA-savings program creates an opportunity to offset employer benefit costs, improve employee financial flexibility and earn additional broker compensation.
Help employer clients add everyday care, prescriptions and personal support alongside the benefits they already offer. The FICA-savings program creates an opportunity to offset employer benefit costs, improve employee financial flexibility and earn additional broker compensation.
Help employer clients add everyday care, prescriptions and personal support alongside the benefits they already offer. The FICA-savings program creates an opportunity to offset employer benefit costs, improve employee financial flexibility and earn additional broker compensation.
MORE VALUE FOR EVERY SIDE OF THE RELATIONSHIP
Existing benefits stay. The opportunity grows.
Existing benefits stay. The opportunity grows.
Existing benefits stay. The opportunity grows.
This program layers additional care and support onto the client’s current benefits. Employees keep their existing coverage. You bring a new conversation to the employers who already trust you.
This program layers additional care and support onto the client’s current benefits. Employees keep their existing coverage. You bring a new conversation to the employers who already trust you.
For employees: more care and financial flexibility
For employees: more care and financial flexibility
Employees gain practical services they can use throughout the year. Where the individual payroll model shows an increase in take-home pay, that money can help with additional benefit purchases or everyday expenses. Each employee’s outcome depends on their actual elections, taxes, fees and approved reimbursements.
Employees gain practical services they can use throughout the year. Where the individual payroll model shows an increase in take-home pay, that money can help with additional benefit purchases or everyday expenses. Each employee’s outcome depends on their actual elections, taxes, fees and approved reimbursements.
For employers: help offset the benefits budget
For employers: help offset the benefits budget
Potential net employer FICA savings can help offset existing benefit contributions or support additional employee benefits. Review the employer’s payroll, participation and all program costs to see what remains available.
Potential net employer FICA savings can help offset existing benefit contributions or support additional employee benefits. Review the employer’s payroll, participation and all program costs to see what remains available.
For brokers: another way to earn
For brokers: another way to earn
Bring an additional offering to your existing employer relationships without asking clients to replace their health plan. Review your compensation terms with Inked and build the opportunity around the client’s needs.
Bring an additional offering to your existing employer relationships without asking clients to replace their health plan. Review your compensation terms with Inked and build the opportunity around the client’s needs.
WHAT EMPLOYEES ACTUALLY GET
Everyday care. More ways to use it.
Everyday care. More ways to use it.
Everyday care. More ways to use it.
A practical mix of preventive coverage, virtual care, prescriptions and personal support. The service details below show what is included, where member charges apply and how this complements existing coverage.
A practical mix of preventive coverage, virtual care, prescriptions and personal support. The service details below show what is included, where member charges apply and how this complements existing coverage.
$0 preventive care
$0 preventive care
Eligible wellness visits, blood-pressure and cholesterol screenings, qualifying diabetes and cancer screenings, immunizations, well-woman and well-child care, preventive counseling and preventive prescriptions under the MEC schedule. Limited-benefit MEC is not comprehensive major medical coverage.
Eligible wellness visits, blood-pressure and cholesterol screenings, qualifying diabetes and cancer screenings, immunizations, well-woman and well-child care, preventive counseling and preventive prescriptions under the MEC schedule. Limited-benefit MEC is not comprehensive major medical coverage.
$20 primary care. $50 specialists.
$20 primary care. $50 specialists.
Unlimited in-person visits under the program’s defined schedule with participating providers. These visit amounts do not include every service ordered during a visit. In-person urgent care, X-rays, CT and MRI are not included in this visit schedule.
Unlimited in-person visits under the program’s defined schedule with participating providers. These visit amounts do not include every service ordered during a visit. In-person urgent care, X-rays, CT and MRI are not included in this visit schedule.
$0 virtual primary care
$0 virtual primary care
Choose a primary-care provider and build an ongoing care relationship by appointment. Get support for prevention, chronic conditions, medication management, lab orders, follow-up and specialist referrals. Outside testing and treatment may have separate charges.
Choose a primary-care provider and build an ongoing care relationship by appointment. Get support for prevention, chronic conditions, medication management, lab orders, follow-up and specialist referrals. Outside testing and treatment may have separate charges.
$0 virtual urgent care, 24/7
$0 virtual urgent care, 24/7
Phone or video consultations for appropriate non-emergency concerns, including nights, weekends and holidays. Providers can evaluate common illnesses and prescribe when clinically appropriate. Emergency care is separate.
Phone or video consultations for appropriate non-emergency concerns, including nights, weekends and holidays. Providers can evaluate common illnesses and prescribe when clinically appropriate. Emergency care is separate.
Mental-health support
Mental-health support
Included $0 counseling for concerns such as stress, anxiety, grief and relationship challenges. Psychology appointments are $150 per session; psychiatry is $250 initially and $150 for follow-up. Services depend on clinical appropriateness.
Included $0 counseling for concerns such as stress, anxiety, grief and relationship challenges. Psychology appointments are $150 per session; psychiatry is $250 initially and $150 for follow-up. Services depend on clinical appropriateness.
Dermatology from home
Dermatology from home
Submit photos and information for a dermatologist’s review. Three consultations per family per year are included at $0; additional reviews are $60 each. Medication costs are separate, and some concerns require an in-person examination.
Submit photos and information for a dermatologist’s review. Three consultations per family per year are included at $0; additional reviews are $60 each. Medication costs are separate, and some concerns require an in-person examination.
$0 formulary prescriptions
$0 formulary prescriptions
Included medications follow the program’s formulary. Get help checking a specific drug and dose, coordinating pharmacy access, reviewing medications and remembering refills. Prescriptions outside the formulary carry their own costs.
Included medications follow the program’s formulary. Get help checking a specific drug and dose, coordinating pharmacy access, reviewing medications and remembering refills. Prescriptions outside the formulary carry their own costs.
Eligible labs and at-home kits
Eligible labs and at-home kits
The included Zero Cost Lab Program offers eligible testing through participating labs, plus at-home collection options. Clinical ordering and result review connect testing to care. Noncovered, reflex and confirmation tests may carry charges.
The included Zero Cost Lab Program offers eligible testing through participating labs, plus at-home collection options. Clinical ordering and result review connect testing to care. Noncovered, reflex and confirmation tests may carry charges.
Weight management and GLP-1 access
Weight management and GLP-1 access
Medical evaluation, nutrition and fitness guidance, personalized treatment planning and ongoing medication management. Evaluation for GLP-1 treatment is included; prescriptions depend on clinical eligibility. Medication, supply and treatment charges follow the benefit schedule.
Medical evaluation, nutrition and fitness guidance, personalized treatment planning and ongoing medication management. Evaluation for GLP-1 treatment is included; prescriptions depend on clinical eligibility. Medication, supply and treatment charges follow the benefit schedule.
Household support and virtual pet advice
Household support and virtual pet advice
Eligible household members can access applicable virtual and household services. MEC dependent eligibility is separate. Included virtual pet advice helps owners understand the next step, with discounts on eligible pet prescriptions. Pet advice does not include diagnosis, treatment or prescriptions.
Eligible household members can access applicable virtual and household services. MEC dependent eligibility is separate. Included virtual pet advice helps owners understand the next step, with discounts on eligible pet prescriptions. Pet advice does not include diagnosis, treatment or prescriptions.
A care concierge to help use it
A care concierge to help use it
Help finding participating providers, booking appointments, transferring records, coordinating referrals and understanding benefits, claims and bills. Employees have somewhere to turn for navigation and administrative questions beyond HR.
Help finding participating providers, booking appointments, transferring records, coordinating referrals and understanding benefits, claims and bills. Employees have somewhere to turn for navigation and administrative questions beyond HR.
Support between appointments
Support between appointments
Contactless health assessments, behavioral and lifestyle screening, personalized outreach, preventive-care and appointment reminders, refill support and care-gap follow-up. Ongoing guidance helps members act on their care plan; it is not emergency monitoring.
Contactless health assessments, behavioral and lifestyle screening, personalized outreach, preventive-care and appointment reminders, refill support and care-gap follow-up. Ongoing guidance helps members act on their care plan; it is not emergency monitoring.
Message a specialist
Message a specialist
Educational messaging with available pharmacists, dietitians, pediatricians, dentists and other specialists. Get help understanding general health questions. Messaging is educational guidance, not an individual diagnosis, prescription or substitute for a clinical visit.
Educational messaging with available pharmacists, dietitians, pediatricians, dentists and other specialists. Get help understanding general health questions. Messaging is educational guidance, not an individual diagnosis, prescription or substitute for a clinical visit.
Access beyond everyday care
Access beyond everyday care
Included navigation to direct-contract arrangements for surgery, imaging, infusion, pharmacy, dental and vision. The care team explains available pathways. Access is not insurance coverage or payment for every service; eligibility, provider arrangements and charges apply.
Included navigation to direct-contract arrangements for surgery, imaging, infusion, pharmacy, dental and vision. The care team explains available pathways. Access is not insurance coverage or payment for every service; eligibility, provider arrangements and charges apply.
TURN MORE VALUE INTO A STRONGER CLIENT RELATIONSHIP
Help their budget. Grow your business.
Help their budget. Grow your business.
Help their budget. Grow your business.
FOR YOUR BUSINESS
An additional earning opportunity
An additional earning opportunity
An additional earning opportunity
Introduce the program to employers you already serve and help them understand the fit. Inked walks you through the broker role, compensation agreement and conditions for payment before you begin.
Introduce the program to employers you already serve and help them understand the fit. Inked walks you through the broker role, compensation agreement and conditions for payment before you begin.
FOR YOUR EMPLOYER CLIENT
More room in the benefits budget
More room in the benefits budget
More room in the benefits budget
Keep existing coverage in place while evaluating potential employer payroll-tax savings after program costs. Net savings can help offset contributions; employees separately review their own projected paycheck impact and benefit choices.
Keep existing coverage in place while evaluating potential employer payroll-tax savings after program costs. Net savings can help offset contributions; employees separately review their own projected paycheck impact and benefit choices.
Financial outcomes are modeled individually. Employer savings, employee paycheck effects and broker compensation are separate; none is a guaranteed amount.
Financial outcomes are modeled individually. Employer savings, employee paycheck effects and broker compensation are separate; none is a guaranteed amount.
FROM CLIENT REVIEW TO BENEFITS PEOPLE CAN USE
A supported path from introduction to activation.
A supported path from introduction to activation.
A supported path from introduction to activation.
You bring the relationship. The program’s implementation process coordinates employer review, payroll setup, employee education, enrollment and ongoing support.
You bring the relationship. The program’s implementation process coordinates employer review, payroll setup, employee education, enrollment and ongoing support.
You bring the relationship. The program’s implementation process coordinates employer review, payroll setup, employee education, enrollment and ongoing support.
01
01
01
Review the client and the numbers
Review the client and the numbers
Review the client and the numbers
Start with existing benefits, workforce needs and payroll. Review the benefit schedule, employee paycheck illustrations, employer net savings and broker compensation separately.
Start with existing benefits, workforce needs and payroll. Review the benefit schedule, employee paycheck illustrations, employer net savings and broker compensation separately.
02
02
02
Confirm agreements and responsibilities
Confirm agreements and responsibilities
Confirm agreements and responsibilities
The employer reviews the agreement and plan documents, names its HR, payroll and authorized contacts, and completes the required adoption and approvals.
The employer reviews the agreement and plan documents, names its HR, payroll and authorized contacts, and completes the required adoption and approvals.
03
03
03
Connect payroll and test
Connect payroll and test
Connect payroll and test
Confirm payroll compatibility, authorize the connection and reconcile the census. Written payroll instructions and a test run come before the first affected payroll; unsupported systems use the agreed alternative process.
Confirm payroll compatibility, authorize the connection and reconcile the census. Written payroll instructions and a test run come before the first affected payroll; unsupported systems use the agreed alternative process.
04
04
04
Educate employees
Educate employees
Educate employees
Explain what is included, member costs and individual paycheck effects through plain-language materials, group education and one-on-one support. Employees can ask questions before making their elections.
Explain what is included, member costs and individual paycheck effects through plain-language materials, group education and one-on-one support. Employees can ask questions before making their elections.
05
05
05
Complete enrollment and activation
Complete enrollment and activation
Complete enrollment and activation
Collect participation or decline elections, reconcile enrollment, complete the wrap review and confirm billing and effective dates. Enrollment submission alone does not mean benefits are active.
Collect participation or decline elections, reconcile enrollment, complete the wrap review and confirm billing and effective dates. Enrollment submission alone does not mean benefits are active.
06
06
06
Support employees after launch
Support employees after launch
Support employees after launch
Check the first payroll, keep eligibility changes current and provide ongoing care navigation, reminders and administrative support. Confirm each benefit’s activation before directing employees to use it.
Check the first payroll, keep eligibility changes current and provide ongoing care navigation, reminders and administrative support. Confirm each benefit’s activation before directing employees to use it.
Questions agents and brokers ask.
Questions agents and brokers ask.
Questions agents and brokers ask.
Who is this opportunity for?
Who is this opportunity for?
Insurance agents and benefits brokers who serve employer clients and want to add practical employee services and a potential FICA-savings opportunity alongside existing coverage.
Insurance agents and benefits brokers who serve employer clients and want to add practical employee services and a potential FICA-savings opportunity alongside existing coverage.
Is this the same as purchasing SIMERP leads?
Is this the same as purchasing SIMERP leads?
No. This page concerns an opportunity to bring to employer clients you already serve. Inked’s SIMERP lead program is a separate service for obtaining employer prospect inquiries.
No. This page concerns an opportunity to bring to employer clients you already serve. Inked’s SIMERP lead program is a separate service for obtaining employer prospect inquiries.
Can savings help pay for benefits?
Can savings help pay for benefits?
Yes, when the employer realizes net savings after program costs, those funds can help offset existing benefit contributions. Employees whose individual payroll model shows more take-home pay may choose to use it toward additional benefits or other expenses. Neither outcome is a fixed or universal amount.
Yes, when the employer realizes net savings after program costs, those funds can help offset existing benefit contributions. Employees whose individual payroll model shows more take-home pay may choose to use it toward additional benefits or other expenses. Neither outcome is a fixed or universal amount.
Does it replace the client’s existing health plan?
Does it replace the client’s existing health plan?
No. The program sits alongside the employer’s existing benefits; it does not replace the current health plan. The included limited-benefit MEC is not comprehensive major medical coverage, and care services are not insurance.
No. The program sits alongside the employer’s existing benefits; it does not replace the current health plan. The included limited-benefit MEC is not comprehensive major medical coverage, and care services are not insurance.
How much can I earn?
How much can I earn?
Inked explains the available compensation structure, eligible activity and payment conditions in your written agreement. Start with a broker conversation to understand the opportunity for your book of business.
Inked explains the available compensation structure, eligible activity and payment conditions in your written agreement. Start with a broker conversation to understand the opportunity for your book of business.
Can I quote a fixed savings amount to every employer?
Can I quote a fixed savings amount to every employer?
No. The outcome depends on the plan structure, applicable tax treatment, payroll, employee participation and costs. Use an employer-specific review supported by the relevant documents and qualified advice.
No. The outcome depends on the plan structure, applicable tax treatment, payroll, employee participation and costs. Use an employer-specific review supported by the relevant documents and qualified advice.
SIMERPU / EDUCATION & INDUSTRY INSIGHT
Build your knowledge. Strengthen your conversations.
CO-FOUNDED BY MARDY GOULD
A purpose beyond the introduction.
Meet SIMERPU: practical education for agents, brokers and employers who want to understand the arrangements they discuss. Explore Mardy’s perspective and the resources behind the platform.
START WITH SOMETHING USEFUL
The Professional Roadmap. Free to read.
An 84-page workbook with 20 lessons and 12 worksheets. Build a more thoughtful process for client conversations, evaluation and follow-through.
Mardy Gould is a co-founder of SIMERPU. This affiliated educational resource does not independently endorse or approve Inked offerings.
Give your clients more without replacing what they have.
Give your clients more without replacing what they have.
Give your clients more without replacing what they have.
Talk with Inked about the benefit package, the employer clients you serve and your broker compensation opportunity.
Talk with Inked about the benefit package, the employer clients you serve and your broker compensation opportunity.