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Strategic Benefits Consulting

Benefits Built Around Your Workforce, Not a Carrier's Catalog.

Competitive benefits are not a cost center, they are a retention strategy. Nortex Health designs comprehensive benefit programs that give your workforce meaningful coverage while giving your organization real cost control, compliance confidence, and long-term sustainability.

Schedule a Benefits Strategy Review

Our Team Helps Employers Explore

Our team helps employers explore:

  • Traditional Fully Insured Health Plans
  • Self-Funded & Level-Funded Strategies
  • Reference-Based Pricing (RBP) Models
  • Executive & Voluntary Benefit Programs
  • Section 125 & Pre-Tax Benefit Strategies
  • Workforce Benefit Benchmarking & Plan Analysis
  • Employee Retention & Engagement Strategies
  • Multi-State & Complex Workforce Benefit Solutions
  • Cost Containment & Healthcare Optimization Strategies
  • Compliance-Conscious Benefits Administration
  • Open Enrollment & Employee Education Support
  • Integrated Payroll, HR, & Benefits Administration Solutions

Every strategy we build starts with your workforce data, demographics, claims history, and financial objectives, not a carrier’s prepackaged plan catalog.

What Your Organization Gets

  • A benefits review built around your actual workforce data, not a carrier quote
  • A clear side-by-side comparison of your current plan against real alternatives
  • Someone who handles open enrollment communication and employee questions
  • Year-round support, not just at renewal time
  • One advisor who knows your organization and stays involved
Benefits advisory team reviewing plan options with an employer
Employer leadership reviewing benefits data

Fully Insured Fixed Indemnity Plan

Improve Your Benefits Package Without Overhauling What You Already Have.

The Fully Insured Fixed Indemnity Plan is a supplemental insurance product underwritten by an A-Rated carrier. It is a voluntary program designed to enhance an employer’s existing benefits package; no overhaul of current coverage required.

How it works:

Employee premiums are paid on a pre-tax basis, which may reduce FICA obligations for both employers and employees beginning on Day 1 of the plan. When an enrolled employee completes one qualifying health activity per month, a claim is automatically filed on their behalf, resulting in an indemnity payment deposited directly into their paycheck.

Employee benefits include:

  • 24/7/365 Telemedicine access, no co-pay or deductible
  • Urgent Care and Behavioral Care access
  • 95% of the 200 most commonly prescribed generic maintenance medications, no copay
  • Benefits extend to eligible family members
  • Premiums paid on a pre-tax basis, voluntary enrollment
  • Tax Advice Hotline access

Employer value:

  • Potential FICA reduction beginning Day 1
  • Benefits enhancement with no disruption to existing coverage
  • Reduction in catastrophic claims through proactive health engagement
  • Improved recruitment and retention

Good to know

  • Underwritten by an A-Rated carrier
  • Voluntary participation
  • Sits alongside your existing plan

This is a Fully Insured Fixed Indemnity Plan underwritten by an A-Rated carrier. It is not a wellness plan or a tax savings plan. Participation is voluntary. Indemnity claim payments may be taxable to the employee depending on individual circumstances. Employees should consult a qualified tax or financial professional before enrolling. No financial outcome is guaranteed. This is not tax, legal, or financial advice.

Your Benefits Program Should Work as Hard as You Do

If your organization has 50–500+ employees and you’re ready to replace your current benefits approach with something that actually reduces costs and improves outcomes, let’s talk. One conversation with a Nortex Health advisor will show you exactly what’s possible.

Schedule a Strategy Review

Nortex Health advisor meeting with an employer leadership team

Nortex Health works with employers of 50-500+ employees to design self-funded benefit strategies, implement reference-based pricing, and optimize payroll, where most brokers don’t go.

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All Rights Reserved | © 2026 | NORTEX HEALTH   ·   (323) 375-8283   ·   [email protected]

Nortex Health provides workforce and employee benefits consulting. Everything on this site is general information for educational purposes only. It is not insurance, tax, legal, or medical advice, it is not a quote, and it is not an offer or binder of coverage. CHOICE Arrangement is the name adopted by CMS and the SBA on September 3, 2026 for what federal tax guidance still calls an Individual Coverage Health Reimbursement Arrangement (ICHRA); both terms refer to the same benefit and the renaming did not change the governing rules. Plan availability, eligibility, rates, contribution limits, and savings vary by state, carrier, group size, plan design, and employee census, and are subject to carrier underwriting and applicable law. Any figures, examples, or savings shown are illustrative only and your results will differ. Tax outcomes, including any FICA impact, depend on your specific facts; consult your own tax advisor and legal counsel before acting. Coverage is in force only when issued in writing by the carrier. Insurance offered through licensed agents in states where licensed.