More Take-Home Pay for Employees. More Cash Flow for You. Full IRS Compliance.
Our wellness enrollment program reduces employee taxable income, lowers your FICA taxes, and delivers real healthcare benefits — all at zero cost to your business.
Average annual savings per employee
Employer satisfaction with Revive Health benefits
Net cost to the business or employees
Employees already enrolled
The Hidden Problem
You're Overpaying the IRS Every Single Payroll Cycle
Most business owners don't realize they're leaving thousands of dollars on the table every year. The IRS has built-in tax advantages for employer-sponsored wellness programs — but most businesses have never been shown how to access them.
Unnecessary FICA Tax Burden
Every payroll cycle, you pay 7.65% in FICA taxes on employee wages. A compliant pre-tax wellness benefit legally reduces that taxable wage base — saving you hundreds per employee, per year.
Employees Want Better Benefits
In today's competitive job market, employees expect more than a paycheck. Without meaningful benefits, you're losing top talent to competitors who offer more — even if they pay less.
Complex Programs, No Clear Path
You've heard of HSAs, FSAs, and Section 125 plans — but navigating IRS compliance is a full-time job. Most business owners simply don't have the time or expertise to implement these programs.
The Solution
How the SIMERP Program Works
Provident Tax Relief enrolls your business in a Self-Insured Medical Expense Reimbursement Plan (SIMERP) — an IRS-approved program under Sections 105 and 125 that simultaneously reduces your payroll tax burden and delivers real wellness benefits to your team.
Free Savings Analysis
We run a no-obligation analysis of your payroll to calculate your exact FICA tax savings based on your employee count and average wages.
Employee Enrollment
Your employees voluntarily enroll in the IRS-compliant SIMERP wellness program managed by Provident Tax Relief. No changes to your existing health plan.
Seamless Payroll Integration
Pre-tax payroll deductions are applied automatically, reducing each employee's taxable income and your FICA tax liability simultaneously.
Savings + Wellness Benefits
Your business saves on FICA taxes immediately. Employees gain free access to Revive Health's virtual care platform — primary care, mental health, pharmacy, and more.
What You Get
A Win for Your Business. A Win for Your Employees.
The SIMERP program through Provident Tax Relief delivers measurable value to every party involved — with zero cost to either the business or its employees.
For Business Owners
For Employees
Federal Compliance
Check the box on mental health compliance. Provident Tax Relief enrolls your employees in a federally compliant wellness program that satisfies mental health parity requirements — and it costs your business nothing.
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How Much Could Your Business Save?
Enter your approximate number of W-2 employees to see your estimated annual FICA tax savings.
What Business Owners Say
Real Results for Real Businesses
"I was skeptical at first — it sounded too good to be true. But after seeing the IRS documentation and running the numbers, we enrolled our 87 employees. We're saving over $55,000 a year in FICA taxes alone."
"My employees love the Revive Health benefits. We had a 94% enrollment rate in the first month. And the fact that it costs us nothing while reducing our payroll taxes? It was a no-brainer."
"The setup was completely handled for us. Within two payroll cycles, we were saving money and our team had access to virtual healthcare. I wish I had known about this program years ago."
Common Questions
Frequently Asked Questions
Yes. The SIMERP program through Provident Tax Relief is structured so that the FICA tax savings your business generates covers the cost of the program. In most cases, businesses save significantly more than the program costs — resulting in a net positive cash flow from day one.
The SIMERP program is built on IRS Sections 105 and 125, which are well-established, legal frameworks for employer-sponsored wellness and medical reimbursement plans. Provident Tax Relief provides full documentation and audit-ready compliance materials. The program is designed to withstand IRS scrutiny.
No. The SIMERP program works alongside your existing health insurance plan. Employees must have Minimum Essential Coverage (MEC) or a Qualified Health Plan (QHP) — which they likely already have — but you do not need to change, cancel, or modify your current coverage.
Through Revive Health, employees receive access to a comprehensive virtual care platform including primary care, urgent care, mental health therapy, prescription pharmacy services, and weight health programs. All services are available on-demand, 24/7, across all 50 states, with no copays or deductibles.
The enrollment and setup process is typically completed within 2–4 weeks. Provident Tax Relief handles all payroll integration and employee communications. Most businesses see their first FICA tax savings within the first or second payroll cycle after enrollment.
The program is most effective for businesses with 15 or more W-2 employees. However, we can run a free analysis for businesses of any size to determine if the program makes financial sense for your specific situation.
No. Employee participation is completely voluntary. However, the more employees who enroll, the greater the FICA tax savings for the business. In practice, enrollment rates are typically very high because the program costs employees nothing and gives them valuable benefits.
Get Started Today
Get Your Free Savings Analysis — No Obligation
In a 20-minute consultation, we'll calculate your exact FICA tax savings, walk you through the enrollment process, and answer any questions you have. There's no cost, no pressure, and no commitment required.