A Self-Insured Medical Reimbursement Plan turns existing IRS tax law into bigger paychecks, better benefits, and real savings — without changing what employees earn.
I'm a proud family man and a Benefits Strategist with DCBG, and I work exclusively with business owners to provide their teams with premium health and wellness benefits at no net cost — to the employer or the employees. I got into this work because I genuinely love helping people, and this plan does exactly that. Real benefits. Real savings. Real impact for real families.
I partner with business owners across Texas to deliver better employee benefits at zero net cost — using IRS-approved tax strategies that most businesses don't know exist. I'm a family man who got into this work because I genuinely believe every employee deserves great coverage and every owner deserves to keep more of what they earn. No gimmicks. No fine print. Just real results for real people.
Our strategy works with a set of IRS tax codes that allow us to assist businesses in using tax dollars to fund savings for the employer, while also funding compliant Health Efficiency and Wellness Programs for employees. No salary cuts. No new insurance. Just smarter structuring of what you're already paying.
DCBG works with IRS tax codes that fund genuine Health Efficiency and Wellness Programs — transforming your benefits package into a real competitive advantage for attracting and keeping great people, at no net cost to you or your employees.
Employees gain access to real healthcare services — telehealth, preventive care, mental health support, and chronic care management — funded through their tax savings, not out of their pocket.
Our services include guaranteed life insurance, group health insurance, critical illness, disability, and accident plans — funded through the tax savings the Wellness Cafeteria 125 plan creates. Benefits employees actually use, at no extra cost out of pocket.
By electing the Wellness Cafeteria 125 pre-tax benefit, taxable income drops — generating gross tax savings that fund the SIMRP reimbursement and supplemental benefits. The result: no reduction in the employee's take-home pay, and often an increase.
No complicated restructuring. No new insurance carrier. Just a legal, documented shift in how compensation is structured.
A written Section 125 Cafeteria Plan + Section 105(b) SIMRP document is established by a licensed specialist.
Employees elect a pre-tax Wellness Cafeteria 125 contribution ($1,180/mo in this example). Taxable wages drop — reducing income tax and FICA for everyone.
The SIMRP reimburses the Wellness Cafeteria 125 premium to the employee's net pay. Gross tax savings flow back through the paycheck — real money, tax-free.
Employee uses remaining tax savings to pay for ancillary benefits — life, critical illness, disability, supplemental coverage — with no reduction in take-home pay.
Real numbers based on a $6,000/month employee. The DCBG Pre-Tax Premium of $1,180 reduces taxable income from $5,060 to $3,880 — generating $305.03 in tax savings and $224.03 in benefit reserve, with zero reduction in take-home pay.
*Estimates only. Actual results vary by state, income level, and plan design. Consult a licensed specialist.
Drag the sliders to estimate your annual employer savings. Conservative figures based on SIMERP industry averages.
Estimates only. Actual savings vary by state, payroll structure, and plan design.
We were skeptical about the zero-cost claim, but the math checked out immediately. Over $32,000 in FICA savings in year one — and our team now has telehealth and prescriptions at no cost to them.
It took our HR team less than 5 hours to implement. Workers' comp premiums dropped 15% because our taxable payroll went down. I wish we'd done this years ago.
We attracted two top-tier candidates within three months by offering this benefits package on top of our existing plan. It's a massive competitive advantage for recruiting.
Our strategy isn't a loophole or a tax shelter — it's the U.S. Tax Code doing exactly what Congress designed it to do. DCBG works with IRS tax codes that fund compliant Health Efficiency and Wellness Programs, making every dollar work harder for employers and employees alike. When structured correctly with proper documentation, it's completely audit-ready.
Ready to Get Started?
See exactly how much your business can save. Reach out to Gerry Ruffino at DCBG for a free, no-obligation payroll illustration — no paperwork, no commitment, just real numbers for your team.
📧 Gerry.ruffino@eigbenefits.com · 📱 (512) 992-4584
DCBG works with businesses of every size to implement compliant Health Efficiency and Wellness Programs — using IRS tax codes that fund savings for employers while delivering real benefits employees love. The strategy is proven. The services are comprehensive. The only question is: when do you start?
No cost to explore. Savings are realized immediately once implemented. Most businesses see payroll savings in the first quarter.