A payroll and benefits opportunity for employers with W-2 employees
SIMERP is an employer-sponsored medical-care benefit that can give participating employees and their eligible family members more ways to reach care. When the structure fits and is correctly implemented, it may also lower the employer's FICA cost.
NW Business Advisors helps you find out whether the numbers justify a closer review.
Start with a conversation about your workforce, payroll, and current benefits. If the basic facts suggest a fit, NW Business Advisors will introduce you to the SIMERP Care team for the full assessment.
For the employer
Participating employees make a pre-tax Section 125 election. When the arrangement meets the applicable requirements, that may reduce the wages subject to certain payroll taxes — and may reduce the employer's matching FICA expense.
For employees and their eligible dependents
SIMERP adds urgent care, primary care, mental-health and EAP support, pharmacy, and weight-health support alongside the major medical coverage you already offer.
What SIMERP is
SIMERP is a self-insured medical expense reimbursement plan. It is not major medical insurance, and it does not replace the health plan, broker, or payroll provider you already have. It sits alongside them.
The plan combines three things: an employee's pre-tax Section 125 election, a reimbursement structure tied to actual medical care, and access to additional medical services. Those services include primary and urgent care, mental-health support, pharmacy support, and physician-supervised weight-health services.
For participating employees, the benefit can extend beyond the employee: they may enroll up to six legal dependents at no additional cost. That gives a family another way to reach care when they need it.
When the arrangement is appropriate and correctly implemented, the same structure may reduce the wages subject to certain payroll taxes. That is a potential employer benefit of the plan, not the definition of the plan.
The first conversation is a brief fit discussion—not an enrollment call.
NW Business Advisors looks at your W-2 headcount, payroll setup, current benefits, and what you want to accomplish. If the opportunity appears relevant, we introduce the SIMERP Care specialists who prepare the employer-specific assessment and answer the technical questions.
If it doesn't appear to fit, we stop there.
Why the first call comes through NWBAThirty minutes