A Smarter Way to Deliver Benefits

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In today’s competitive labor market, employee benefits must do more than check a box, they must deliver measurable financial and operational value. Centavizer HealtheFlex is a fully compliant, employer-sponsored preventive care and Section 125 solution designed to lower payroll tax exposure, improve employee financial outcomes, and promote a healthier, more engaged workforce, all with no net cost to the employer. 

Centavizer HealtheFlex leverages a strategically structured Section 125 Cafeteria Plan combined with a preventive care benefit design to create immediate and ongoing savings for employers. 

By shifting eligible healthcare expenses to a pre-tax basis, employers reduce their share of payroll taxes while employees increase their net take-home pay, without reducing wages or benefits. 

Typical employer savings average $600–$900 per employee per year, beginning in the first month of implementation. 

Key employer advantages: 

     · Reduced FICA and payroll tax liability 

     · No increase to benefit spend 

     · Fully compliant plan structure 

     · Predictable, scalable cost model 

HealtheFlex is designed to support preventive care and healthier employee behavior, not just insurance utilization. Employees gain access to meaningful health services that 

encourage proactive engagement, helping reduce absenteeism, presenteeism, and turnover. 

A healthier workforce leads to: 

     · Increased productivity 

     · Improved morale and engagement 

     · Lower long-term healthcare risk and cost 

     · Stronger employee retention 

Employees also experience a net increase in take-home pay, improving financial stability and overall job satisfaction. 

Centavizer HealtheFlex is built to integrate seamlessly with your existing HR and payroll operations. Our implementation team works directly with your internal stakeholders to ensure a smooth rollout with minimal disruption. 

We manage: 

     · Employee education and enrollment 

     · New-hire onboarding and eligibility changes 

     · Payroll integration and deductions 

     · Ongoing administration and support 

     · Claims coordination and employee inquiries 

Our platform interfaces with major payroll providers and delivers clear reporting and analytics each pay period, without adding administrative burden to your team.

Traditional medical plans often leave employees exposed to high deductibles, copays, coinsurance, and prescription costs. HealtheFlex complements existing coverage by 

providing access to essential preventive and supplemental benefits that help close those gaps. 

Employee benefits may include: 

     · Preventive care services 

     · Wholestic Coaching 

     · Health Risk Assesment 

     · Prescription 

     · Mental Health Therapy 

     · Telemedicine 

     · Health improvement and wellness programs 

     · Compliance 

All program components are administered in a HIPAA-compliant environment, ensuring data privacy and regulatory adherence. 

     · No net cost to the employer 

     · Immediate payroll tax savings 

     · Higher employee take-home pay 

     · Fully compliant Section 125 structure 

     · Turnkey implementation and administration 

     · Scalable for growing organizations