In today’s competitive workplace, it’s no longer enough to offer traditional health benefits. Rising premiums, administrative burdens, and limited tax advantages are leaving employers and employees searching for more. That’s where Core360 by Health Sphere steps in bringing together the power of a Section 125 framework, a fully managed Preventative Care Management Plan (PCMP), and a Self-Insured Medical Reimbursement Plan (SIMRP) into a single, streamlined, and impactful solution.
This isn’t just another benefit plan. It’s a smarter, fully compliant, and cost-free program that helps employers protect their bottom line while giving employees meaningful coverage and real take-home pay improvements.
What is Core360?
Core360 is a unique benefits program that leverages Section 125 in combination with a compliant and automated PCMP and SIMRP. Unlike traditional plans that offer only cafeteria-style flexibility, Core360 enhances tax efficiency, provides full regulatory support, and delivers rich wellness and financial protections for employees.
While a standard Section 125 plan document enables pre-tax payroll deductions, Core360 builds on that structure to provide enhanced savings, value, and compliance, with no changes to existing insurance providers or coverage.
Why This Isn’t Just a Section 125 Plan
Too often, benefit programs get labeled generically. But it’s crucial to clarify: Core360 is not merely a Section 125 plan it includes it. This foundation enables pre-tax benefits, yes, but the real magic happens with its additional layers.
With Core360, companies offer:
- Preventative care access through PCMP, focused on early intervention and long-term health improvement
- Reimbursements through SIMRP for qualified medical expenses, boosting employee wellness, and financial stability
- Automation and compliance, so there’s no heavy lifting from HR or finance teams.
This integrated approach makes Core360 one of the most benefit-rich and compliant programs available today.
How Employers Win with Core360
Employers constantly strive to strike a balance between employee satisfaction and budget constraints. Core360 delivers a win on both fronts without requiring upfront investment.
Here’s what employers gain with Core360:
- Annual tax savings of around $600 per W2 (that’s $60,000 for every 100 employees)
- No out-of-pocket cost to implement or maintain
- Reduced healthcare claims (average savings of $1,400 per employee over 3 years)
- 30–45 day rollout, fully automated and supported
- Improved employee retention and productivity, thanks to better health resources and coverage
- Immediate financial impact, boosting profitability from month one
This is not theoretical more than 30,000 employees are already enrolled in Core360 plans, and employers are seeing measurable results quickly.
How Employees Benefit Without Any Downsides
Traditional benefits often require trade-offs: higher deductibles, limited coverage, or reduced pay. With Core360, employees experience the opposite.
They enjoy:
- A 3–4% increase in net pay (roughly $100/month on average)
- $0 copay for 24/7 Telehealth visits, including access to doctors, nurses, and certified wellness coaches
- Mental health support, addiction resources, and counseling
- Access to Mayo Clinic tools and dashboards to track health goals and improve outcomes
- Coverage for universal life, disability, and critical illness including spouses and dependent
- Seamless experience no change to existing take-home pay, and no effort required from the employee to get started
This plan is designed to help workers thrive financially and physically without sacrificing anything they already have.
Compliance Made Simple
Many companies hesitate to implement enhanced benefit structures due to compliance concerns. Core360 eliminates that barrier. Every aspect of the program from its Section 125 plan document to the management of PCMP and SIMRP is handled for you, ensuring full alignment with IRS guidelines and labor laws.
There’s no risk of misfiling or overstepping regulations. Health Sphere’s expert team supports every step of the process and ensures your plan is airtight.
Why Health Sphere?
At Health Sphere, we’re on a mission to reshape employee health and financial outcomes—without touching your existing benefits or adding cost. Our goal is to impact over 250,000 lives by helping businesses adopt smarter, preventative, and compliant programs that generate real results.
Our values drive everything we do:
- No complexity – We handle all administration and compliance
- No cost – Employers pay nothing out-of-pocket
- No risk – Plans are fully managed, compliant, and require no changes to existing carriers
- More take-home pay – Employees benefit immediately and long-term
That’s why companies across industries are turning to Core360 to reduce waste, improve retention, and create a healthier, more financially secure workforce.
What Makes Core360 Stand Out?
Let’s break it down. Here’s how Core360 compares to a traditional benefits approach:
| Feature | Traditional Plans | Core360 with Section 125 + PCMP + SIMRP |
| Employer Tax Savings | Limited | ~$600 per employee |
| Out-of-Pocket Cost to Employer | Yes | $0 |
| Employee Paycheck Impact | Often negative | +3–4% take-home |
| Telehealth Access | Sometimes | 24/7, $0 copay |
| Mental Health & Wellness | Inconsistent | Included via Mayo Clinic |
| Implementation Timeline | 60+ days | 30–45 days |
| Compliance Burden | High | Fully managed by Health Sphere |
Frequently Asked Questions
How is Core360 different from a standard Section 125 plan?
Core360 includes Section 125 but also combines PCMP and SIMRP, offering more savings and better preventive care at no cost.
Will employee paychecks go down?
No. Most employees see a 3–4% net increase, around $100 more per month, thanks to pre-tax savings and reimbursements.
Does it cost the employer anything?
Not at all. Core360 is free to implement, saves about $600 per W2 per year, and requires no changes to current benefits.
What benefits do employees get?
Highlights include:
- $0 copay telehealth & mental health
- Mayo Clinic wellness tools
- Life, Disability, Critical Illness insurance
- Spouse & dependent coverage
- A Smarter Way Forward
If you’re looking for a compliant, cost-free, and tax-optimized way to enhance 125 plans employee benefits, Core360 checks every box. It brings together the foundational strengths of a Section 125 plan document, but supercharges it with preventative care and medical reimbursement structures that make a real difference for your people and your company.
Core360 isn’t just a benefit plan. It’s a strategic advantage.
Ready to Learn More?
You don’t need to navigate the world of benefit plans and tax codes alone. At Health Sphere, we make it simple to evaluate and implement Core360.
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