The Capstone Plus program offers a range of services, including:

• Telemedicine Doctor Care
• Mental Health Counseling
• Dental Service Discounts
• Prescription Drug Savings
• Vision Care Discounts
• Chiropractic Discounts
• Diabetes Supplies Discounts
• Hearing Discounts
• International Prescription Savings by Mail

Employers with 10 or more W-2 employees who work an average of 30+ hours per week typically qualify. CapstonePlus is particularly beneficial for industries with a large workforce looking to optimize cost-saving benefits and employee financial wellness. Company owners are not eligible to participate.

Yes. CapstonePlus does not replace your existing medical plan. It functions as an enhancement to your current benefits package, providing employees with additional financial wellness and healthcare resources without requiring changes to primary insurance coverage.

Yes. CapstonePlus is designed to integrate with both fully insured and self-insured businesses. Self-insured companies can implement CapstonePlus without disrupting their existing plan structure, while still leveraging tax-efficient benefits.

Yes. CapstonePlus follows established IRS guidelines and ACA regulations for pre-tax benefit programs. The program operates under:

• IRS Section 125 Cafeteria Plan
• IRS Codes 105, 106, and 213(d)
• ACA wellness program rules

Employers should review the program with their tax and legal advisors to ensure compliance with their specific business needs.

CapstonePlus provides full support throughout implementation, including:

• A dedicated onboarding team to ensure smooth payroll integration
• Employee education and enrollment assistance
• Compliance guidance to align with IRS and ACA regulations
• Ongoing customer support to address employer and employee questions

CapstonePlus follows strict data privacy and security protocols to comply with HIPAA, IRS, and ACA regulations. All employee information is protected through encryption and secure payroll processing to ensure confidentiality and compliance.

Yes. CapstonePlus is a fully compliant, tax-advantaged wellness program. The plan is built upon well-established IRS provisions, including Sections 105, 106, and 213(d), and has been implemented successfully by businesses across multiple industries.

Yes. Employees participating in CapstonePlus increase their take-home pay by leveraging the program’s tax-efficient structure. The funds received through CapstonePlus are part of their regular compensation and can be used at their discretion.

There are no restrictions on how employees use the additional take-home pay gained through CapstonePlus. These funds are part of their earnings and can be used just like any other wages.

The tax-advantaged wellness plan structure has been in place since the passing of the Affordable Care Act (ACA) and is based on long-standing IRS-recognized provisions for employer-sponsored benefits. Similar programs have existed for years and continue to provide valuable financial and healthcare solutions for employees nationwide.