Shielded Horizon builds and runs a pre-tax benefits program for your company: health coverage, telehealth and life insurance for your employees, plus real payroll tax savings for you. We handle the paperwork, the carriers and the enrollment. You sign and approve.
Every employee picks the road that fits their life. Both get them to the same place: a healthier, more secure team that stays with you.
A low-cost foundation for every employee, including part-time staff and anyone already covered elsewhere.
Full health insurance for employees who need it, built to meet ACA employer standards.
Voluntary pre-tax dental and vision plans to round out your package.
Guidance for employees aging into Medicare so no one falls through the cracks.
Plan documents, compliance, census, billing and carrier remittance, all handled for you.
Employee benefit costs come out of paychecks before taxes under IRS Section 125. Employees take home more, and you save the 7.65% employer FICA match on every dollar.
Employees enroll or decline from their phone in about 3 minutes, with e-signatures and a full audit trail. No paper, no SSNs.
See who has enrolled or declined at every location in real time, so managers can follow up before deadlines.
Sign the plan documents and approve the payroll deduction. That's it.
Plan design, legal documents, carrier setup, payroll mapping, staff education, enrollment, census and ongoing service.
Provide the coverage, ID cards, networks, telehealth and claims support for your employees.
We review your team, payroll and goals, and design the right mix of benefits.
You sign the Section 125 plan document and service agreement. We prepare everything.
We set up your group with each carrier and map pre-tax deductions in your payroll system.
Branded benefit site, on-site or virtual sessions, and 1-on-1 calls. Employees enroll or decline online.
Every client gets a simple, mobile-friendly benefits site and enrollment form written in plain English. See a live example →
It's an IRS-approved "cafeteria plan" that lets employees pay for certain benefits with pre-tax dollars. Employees pay less income and payroll tax, and the employer saves its share of FICA on those dollars.
It depends on the benefits you choose and how much you want to contribute. Many employers fund their program mostly or entirely through pre-tax employee deductions. We'll show you the numbers on a strategy call.
Very little. You sign the plan documents and approve payroll deductions. We handle the carriers, documents, employee education, enrollment and census.
No. Every employee makes a choice, either enroll or decline, and declines are recorded with an e-signed waiver for your records.
Programs are built on a written Section 125 plan document, real insurance coverage from licensed carriers, and ACA-compliant plan options, with the paperwork kept on file for you.
Most groups can be ready in about 15 days from signing, depending on carrier deadlines and your payroll schedule.
Book a free 30-minute strategy session. We'll review your team, estimate your savings and map out a 15-day rollout.