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A Better Way to Win, Retain,
and Engage Employees
The Healthcare Benefits Solution...
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We Solve 3 Primary Employer Issues:
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Provide employees access to employer-sponsored health coverage funded through payroll tax savings and Kerux125 Complete’s exclusive funding strategy — without increasing employer healthcare spend. This is HUGE!
We engage your employees in their health benefits at an unmatched level.
Full ACA compliance for both Part A and Part B
Where Compliance Meets Competitive Advantage.
Its CHECKMATE on Group
Healthcare Costs!
Who is Kerux125 Designed For?
Many service-focused employers can benefit from the Kerux125 Complete Health Plan. Kerux125 Complete was specifically designed for organizations seeking full ACA compliance while minimizing overall costs.
We proudly serve employers across a wide range of industries, including:
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restaurant franchisees
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retail chains
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hospitality groups
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home healthcare providers
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hair salons
Our solution is especially valuable for businesses with large hourly or service-based workforces that want to provide compliant, cost-effective healthcare options for their employees at $0 cost to their bottom line and to their employees.
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staffing companies
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janitorial and facility services
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childcare providers
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fitness franchises
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and many others.
Some of the growing list of brands we are happy to work with:
Why a MEC Plan alone does not cut it
MEC Alone Isn’t Enough — And It Could Cost You BIG!
If you currently offer a tax-advantaged wellness plan—or are considering a structured healthcare strategy to reduce costs—it’s critical to understand one key compliance requirement:
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Offering a Minimum Essential Coverage (MEC) plan alone does not make you fully compliant under the ACA.
While MEC plans can help reduce upfront costs, they only satisfy part of the employer mandate. Without also offering a Minimum Value Plan (MVP), your organization may still be exposed to significant IRS penalties.
Compliance stress relief never
felt so good!
What Kerux125 Complete Does
Health Benefits
Kerux125 Complete is a comprehensive plan design that integrates health coverage, wellness, and innovative funding strategies—leveraging tax-advantaged structures to help employers maximize savings.
Built with a strong focus on Affordable Care Act (ACA) compliance, our solution supports both Part A and Part B requirements while delivering cost-effective strategies that actively engage employees in their healthcare decisions.
The result is a fully compliant, financially efficient program that helps businesses control costs while ensuring employees and their families receive high-quality medical coverage. Backed by a team that stays ahead of evolving regulations and industry trends, Kerux125 Complete provides the expertise and guidance employers can trust.
Kerux125 Complete goes far beyond a traditional Section 125 tax-advantaged wellness plan. It is an ACA-compliant health insurance plan design that delivers the essential health coverage employees need—while also enhancing outcomes through a proprietary, AI-driven wellness platform. This technology actively guides employees toward healthier lifestyle choices and preventive care solutions.
By integrating health insurance coverage and intelligent wellness support, Kerux125 Complete connects employees and their families to comprehensive, flexible healthcare solutions that meet a wide range of needs.
CHECKMATE... on group healthcare costs!
Our program is designed to deliver meaningful savings for both employers and employees. Through a Section 125 pre-tax structure, employees reduce their taxable income while gaining access to comprehensive medical and wellness benefits. Participants may also increase their take-home pay through post-tax reimbursements for qualified activities.
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Employers benefit from a fully ACA-compliant solution that helps avoid costly penalties, along with a carefully structured funding approach aligned with ERISA and Department of Labor guidelines. The result is a smarter, more efficient way to manage rising healthcare costs—without compromising on coverage or compliance.
Personal Health Dashboard™ (PHD)
Everything Your Employees Need—In One Place
The Personal Health Dashboard™ (PHD) is a secure online personalized web portal which can be accessed at any time from any device. Once activated through your personal web portal, you can download and utilize our free app.
The PHD offers many resources including: Assessments, Medical Library, Road to Wellness online behavior modification modules, Medical Records, Health Tracker, HealtheMall and much more.
Virtual DIRECT Primary Care (VDPC)
We make
care ordinary.
extraordinary
Access to Medical Providers
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Connect with our Urgent Care medical team and patient advocates at the touch of a button via audio call, video call, or in-app message. We support over 80 languages and provide 24/7 live support.
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Find, select, and build a relationship with a Direct Primary Care Physician virtually from your home, work, or any place in the world.
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Get prescriptions filled like with any other primary care physician available for pick up at employee's pharmacy of choice.
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$0 Copay or deductible to schedule an appointment with your Virtual Direct Primary Care Physician. Includes family members as well.
Or... see a doctor face to face
One of the great things about Kerux125 Complete is we give employee options when it comes to accessing a doctor.
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For everyday or acute needs, we encourage employees to make use of Virtual Direct Primary Care (VDPC), where employees receive the same quality care as a traditional doctor’s office or urgent care—at $0 copay and no deductible.
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For those who prefer in-person visits, employees are fully covered there as well. Each participant receives a medical ID card that allows them to see any provider they choose—with no network restrictions.
Note: In-person visits do include applicable copays. Please refer to the Summary of Benefits for full details.
Wellness Benefits
A complete employee solution
Connect with a wellness nurse or coach...
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Nutrition
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Chronic disease management
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Weight management
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Smoking cessation
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Health education center
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Patient advocacy
We're just one touch away!
When you call, you're connected directly to a provider.
We provide the support employees need to optimize their health and navigate the healthcare system.
One partner, one platform for your employees' health and medical needs
Mental Health Support
Speak with a Therapist in as little as 48 hours
Our Therapists provide care and counseling for:
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Abuse
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Addiction
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ADHD/ADD
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Anger Management
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Anxiety & Stress
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Bipolar Disorder
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Depression & Mood
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Divorce
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Domestic Violence
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Eating Disorders
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Grief & Loss
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Medication Management
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OCD
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Parenting Issues
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Relationships
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Sexuality
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Trauma & PTSD
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And more
Pharmacy Benefits
Making Prescription Medications More Accessible and Affordable
Your employees are being taken advantage of and often not aware there are options when it comes to their health. We are here to help, educate and advise wherever we can. Kerux125 Complete is committed to bringing employees the most cost-effective drugs in the industry.
Top Utilized Chronic Medications 90-Day Supply For FREE!
Available at Over 70,000 Pharmacies Nationwide
Check out our formulary for a list of the most commonly prescribed medications for FREE to employees
$0 PRESCRIPTIONS
FOR THE MOST COMMON URGENT CARE CONDITIONS
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Asthma/Allergic Reactions
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Ear & Eye Infections
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Fungal Infections
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Migraines
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Pain & Injuries
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*The formulary is subject to change. Please check your Personal Health Dashboard (PHD) regularly for the most up-to-date list of covered medications.
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Skin Infections
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Stomach Viruses
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Upper Respiratory Infection (URI)
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Urinary Tract Infections (UTI)
Supplemental Benefits and Buy-Up Options
Expand Your Benefits Offering with Flexible Options
In addition to the core advantages of Kerux125 Complete, employers have access to a full suite of supplemental and buy-up benefits designed to enhance coverage and meet the diverse needs of today’s workforce.
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These optional offerings include:
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Major Medical, HSA, and Visit Limit Plans
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Group Fixed Hospital Indemnity Plans
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Accident Expense Insurance
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Critical Illness Coverage
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Life Insurance
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Vision and Dental plans (discounts already available and listed on each employee's PHD)
Together, they provide employees with added financial protection and greater peace of mind—while giving employers the flexibility to build a more competitive, well-rounded benefits package.
Need Buy-up Options or Major Medical Plans?
Low-cost options available for Key Employees, Managers, and Full-time Employees Needing a More Robust Healthplan
Plans provided by JKB Consulting Group
Plan Options Available:
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Major Medical
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HSA Major Medical
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Visit Limit (VL Group Plans)
Key Benefits:
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True ACA plans available including Major Medical and HSA Major Medical.
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Visit Limit (VL) plans that are cost effective available for healthier employees who rarely see a doctor but want the assurances provided by traditional health insurance for the ‘what ifs’ of life.
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These group plans are ‘Guaranteed Issue’.
Cost:
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A significant portion of premiums is offset through the Kerux125 Complete tax savings structure
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Additional employee/employer contribution may apply
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Employees should consult their agent or broker for updated detailedpremium information
Note: These plans are available to groups down to 5 employees with a minimum of 3 enrolled employees of which 2 must be W-2. Perfect for employers with less than 50 employees, especially paired with Kerux125’s Simple Plan.
Built for scrutiny
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Kerux125 is designed to meet the highest standards of compliance, giving employers confidence, security, and peace of mind.
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All plan documents and plan designs are reviewed and approved by a nationally recognized law firm specializing in Section 125 health plan compliance and regulatory guidance under IRS and Department of Labor (DOL) standards.
Let's Get Started
It’s Time for Better Benefits
Get started with a free consultation and personalized proposal—simply contact your local referring agent today.