A Centavizer Healtheflex Section 125 Preventive Care Program designed to protect employee health, reduce corporate claims risk, and deliver meaningful savings — at no net out-of-pocket cost.
Protect Employee Health
Preventive care that identifies and reduces risk before it becomes a claim.
Reduce Claims Risk
Section 125 restructuring cuts FICA liability with every enrolled employee.
No Net Out-of-Pocket Cost
Meaningful savings for both employers and employees — fully self-funding.
Loading...
What is Centavizer Healtheflex?
Centavizer Healtheflex is an all-inclusive preventative healthcare management program that supplements your existing insurance plan. It prioritizes and incentivizes preventative care for employees — while simultaneously benefiting employers through meaningful FICA tax savings. Best of all, there is no net out-of-pocket cost to the employer or the employee.
Benefits for Everyone
Centavizer Healtheflex combines two powerful, complementary pillars into one seamlessly integrated program — delivering financial benefits and health outcomes simultaneously.
For Employees
Employees gain access to personalized health tools, AI-driven risk assessment, 24/7 telemedicine, mental health support, prescription savings, and monthly wellness rewards — all through a single, easy-to-use platform.
Personalized health tools & AI risk assessment
24/7 telemedicine & mental health support
For Employers
By restructuring benefit contributions under Section 125, employers reduce their FICA tax liability with every enrolled employee — generating net positive savings that far exceed the cost of the program.
Reduced FICA tax liability
Net positive savings per enrolled employee
Two Pillars. One Powerful Program.
Centavizer Healtheflex's impact is built on two reinforcing components: a Section 125 Cafeteria Plan that creates pre-tax financial benefits, and a suite of Well-Being Services that drive real health improvement. Together, they create a self-funding wellness ecosystem.
Section 125 Cafeteria Plan
Provides participants the opportunity to receive certain benefits on a pre-tax basis, generating healthcare savings and leveraging significant tax advantages. Employers reduce FICA contributions; employees reduce their taxable income — creating a win-win financial structure.
Well-Being Services & Solutions
Delivers state-of-the-art health tracking software, 24/7 telemedicine with a $0 copay, online behavior modification learning modules, health screenings, Wholeistic™ coaching, virtual mental health therapy, and prescription benefit management.
Fully Self-Funding
Both pillars are fully integrated: the tax savings from Section 125 fund the wellness benefits, making the program cost-neutral for both employers and employees.
Proven to Save Lives
Centavizer Healtheflex's platform has been independently validated to produce life-saving outcomes at scale. Over a five-year study period, thousands of disease cases were averted across conditions including hypertension, diabetes, coronary heart disease, and multiple cancers. These results are drawn from third-party validated research spanning multiple employer populations.
3,839 Hypertension Cases Averted
Hypertension cases averted over a 5-year validated study period — the single largest category of disease prevented.
1,906 Diabetes II Cases Averted
Diabetes II cases averted through early identification and proactive employee engagement.
424 Coronary Heart Disease Cases Averted
Coronary heart disease cases averted — plus hundreds more across multiple cancers including breast, colorectal, and lung.
Employer Distribution & Savings
By enrolling employees in Centavizer Healtheflex's Section 125 plan, employers reduce their FICA tax obligations on every participating employee. The numbers below illustrate the real financial impact at the Centavizer Healtheflex 1200 tier — the most popular enrollment level.
$681.60
Net Annual Savings
Per employee after program fee (Centavizer Healtheflex 1200 tier)
$56.80
Net Monthly Savings
Per employee, after the $35/month program cost
$35
Cost Per Employee
Per month — fully offset by FICA tax reduction
Reduced FICA Liability
Employer's monthly FICA drops from $198.90 to $107.09 per enrolled employee.
Net Positive ROI
Annual employer FICA savings of $1,101.60 per employee — far exceeding the $420/yr program fee.
Self-Funding Structure
The program pays for itself through FICA tax reduction — at no net out-of-pocket cost to the employer.
Wellness Benefits Included in the Plan
Every enrolled employee gains immediate access to a robust suite of wellness tools and services — designed to address health holistically, from physical to mental well-being.
Personal Health Dashboard™
A centralized hub for managing your health profile, completing risk assessments, tracking fitness, and accessing all program benefits. Available in over 60 languages.
Wholeistic™ Coaching
Personalized health coaching that addresses the full spectrum of well-being — physical, emotional, nutritional, and behavioral — to drive lasting lifestyle change.
24/7 Telemedicine
24/7 access to licensed physicians via phone or video — with a $0 copay. Reduces unnecessary ER visits and gets employees the care they need, when they need it.
Virtual Mental Health Therapy
On-demand access to licensed therapists and counselors, addressing anxiety, depression, stress, and more — all from the privacy of home.
How It Works
How It Works for Employees
Employees are up and running in three simple steps. The process is designed to be intuitive, low-friction, and immediately rewarding — so participation rates stay high and health engagement begins from day one.
Each step is designed to be fast, low-effort, and tailored to your organization's size and structure.
Activate Your Account
Activate your account on your effective date and watch the brief intro video walking through the platform and its benefits.
Complete Monthly Health Activity
Complete a monthly health activity — starting with the online Health Risk Assessment (HRA). Receive a monthly newsletter to stay compliant and informed.
Manage via the PHD
Manage all tasks and benefits through the Personal Health Dashboard™ — including your risk profile, risk resolution center, and all wellness tools.
Wellness Benefits Included in the Plan
Every enrolled employee gains immediate access to a robust suite of wellness tools and services — designed to address health holistically, from physical to mental well-being.
Personal Health Dashboard™
A centralized hub for managing your health profile, completing risk assessments, tracking fitness, and accessing all program benefits. Available in over 60 languages.
Wholeistic™ Coaching
Personalized health coaching that addresses the full spectrum of well-being — physical, emotional, nutritional, and behavioral — to drive lasting lifestyle change.
24/7 Telemedicine
24/7 access to licensed physicians via phone or video — with a $0 copay. Reduces unnecessary ER visits and gets employees the care they need, when they need it.
Virtual Mental Health Therapy
On-demand access to licensed therapists and counselors, addressing anxiety, depression, stress, and more — all from the privacy of home.
Thank You for Choosing Centavizer Healtheflex.
You're making a meaningful investment in the health of your employees and the financial resilience of your organization. Centavizer Healtheflex is honored to be your partner on this journey toward a healthier, more productive, and more sustainable future. Your dedicated representative is here to guide your team through enrollment and ensure a seamless launch.
$0 Enrollment
No net out-of-pocket cost to get started — the program pays for itself through FICA tax savings.
All 50 States
Licensed and compliant nationwide — structured within established IRS cafeteria-plan rules.
Instant FICA Savings
Savings are visible from the very first payroll run — no waiting period, no complex setup.