HealthCues is a fully insured preventative health care benefit for employees. This participatory program complements other programs or insurances.
Now Employers with 100 or more Employees, can save $1,000’s of dollars on their Payroll Taxes, and give all of their Employees: free Preventative Healthcare Management Programs, with a very wide range of benefits! In addition, these benefit premiums allow employees to receive a net increase in take home pay up to 3-4%! This is a revolutionary way to help everyone that is ‘Win – Win” for both Employers and Employees, that will make life better for everybody – with NO COST TO ANYONE! So, read below for more details.
The below photos are letters of a 2 page validation, and confirmation of insurance services from Lloyd’s of London, that says that “with the support and strength of the oldest and most established insurance and reinsurance organization in the world, the American Global Group (and American Global Insurance), is now setting it’s sights on redefining how American employers can provide affordable quality healthcare to their employees.”
Lloyd’s of London is renowned as the world’s leading specialist insurance and reinsurance marketplace. It is known for underwriting complex, unusual, or massive risks—such as satellites, shipping (including the Titanic), and celebrity body parts—via a unique, centuries-old syndication structure operating out of its iconic London building. 
Unique Marketplace Structure: Unlike traditional insurers, Lloyd’s is not a company but a physical and digital marketplace. It brings together over 100 syndicates that take on risks, along with brokers and cover-holders, to create a centralized hub for specialized insurance. 
Specialist Expertise: Lloyd’s is trusted for insuring highly complex risks that standard insurance companies refuse.
Unrivaled Financial Stability: Known for its “Central Fund,” a financial safety net ensuring that valid claims have historically always been paid. They are pillars of stability and influence, and are key players on the global stage.
Lloyd’s is the only insurance marketplace of its kind in the world, providing specialist insurance services to businesses in more than 200 territories.
History and Reputation: Founded in 1688 in Edward Lloyd’s coffee house, it has over 300 years of experience. making it one of the oldest financial institutions in existence.
Iconic Architecture: The Lloyd’s building in London is famous for its “inside-out” high-tech architecture: 
HealthCues provides a specialized, fully integrated technology suite developed with the goal of assisting employees in establishing a healthy lifestyle while simultaneously improving employee productivity and reducing the need for healthcare.
They provide access to a platform that helps predict and classify 35 different conditions before arranging the risk base on a combination of factors. They are able to leverage this individualistic approach to place an emphasis on each employee individually and offer each participant an opportunity to set goals for his/her physical and mental well-being.
The product provides:
- A preventative health care program for employees and their households.
- Out-of-pocket assistance for the employee only, covering hospital stays, ER visits, and ambulance service.
- An average pay increase of $70/month when employees participate in the program at no out-of-pocket cost to them!
- For the employer, this program offers:
- Approximately $600–$850 per employee annually in payroll tax savings
- Healthier employees and decreased health care costs with no out-of-pocket cost to the employer. This plan can be enrolled at any time of the year and does not replace major medical insurance. For every 100 qualifying employees, the employer saves $60,000 to $85,000 annually in payroll tax savings!
- With no out-of-pocket cost, HealthCues prioritizes and incentivizes
preventative health care practices for employees and targets some of the
most at risk members of your population - Applying pre-tax wages to benefit premiums allows employees to receive a
net increase in take home pay up to 3-4% - Also, allows employers to save between $600-$850 per qualifying employee
annually on FICA taxes
- HealthCues is a Section 125 preventative healthcare management program
which includes a Limited Benefit Hospitalization Plan. It’s officially a fixed
indemnity program.
- Promoting healthy outcomes before medical concerns become health
insurance issues - INCREASED ENGAGEMENT
Although preventative health care programs have been around for over
20 years, research shows that it’s mostly your healthy population that
participate in programs. Our program incentivizes all parties to engage,
even the unhealthiest.
PROACTIVELY REACH THOSE WITH THE HIGHEST MEDICAL CLAIMS
80% of major medical claims come from 20% of the population that is unhealthy or living with a chronic disease. How do you address major medical claims? You get people healthier. You get people healthier by proactively reaching them and educating them to lead healthier lifestyles.
FUNDED AND INSURED
Our program is HIPAA compliant, fully funded, fully insured and is approved by the department of insurance.
SAVES YOU AND THE EMPLOYEE MONEY – No out-of-pocket cost!
Employee sees an increase in net take home pay, Annual Average payroll tax savings of $600 – $850 per employee!
Health Benefits: DNA screenings, health coaching, biometric
screenings, telemedicine, behavioral health, and more
• Hospitalization Plan: Employees have access to hospitalization
insurance to help with out-of-pocket costs
• Increase Take Home Pay: Employees on the program will see an increase
in take-home pay with participation and no out of pocket cost
• Happier, Healthier Employees: Employers will have happier, healthier employees
• Employer Savings: Employers on average will save $600-$850 /employee per year in
payroll tax savings with no out-of-pocket cost. 
Signing Contracts:
Tax code since 1978
Section 125, or the “cafeteria plan,” lets employees pick between cash
compensation or tax-free benefits like health insurance and FSAs
Reduces tax burden for both employers and employees
Promotes benefit programs and adds flexibility to compensation packages
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EMPLOYER BENEFITS:
ANNUAL AVERAGE TAX SAVINGS OF $600 PER EMPLOYEE
PROVIDES EMPLOYEES WITH LIMITED BENEFIT INDEMNITY INSURANCE
IMMEDIATE TAX SAVINGS ONCE PROGRAM IS INITIATED AND FIRST PAYROLL RUN
PROVIDES EMPLOYEES WITH ALL- INCLUSIVE PREVENTATIVE HEALTH MANAGEMENT PLATFORM
ADDRESSES ALL WORKPLACE DISCRIMINATION ISSUES
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MORE DETAIL OF EMPLOYEE BENEFITS:
INCREASE IN TAKE-HOME PAY= (PAY LESS IN TAXES)
STATE-OF-THE-ART HEALTH TRACKING SOFTWARE
ACCESS TO HOSPITALIZATION PROGRAM
24/7 TELEMEDICINE & TELETHERAPY WITH $0 COPAY (FOR FAMILY)
INITIAL HEALTH SCREENING: Self-assessment, Biometric & DNA Screening, and Online Tracking
MULTI-CHANNEL COACHING: Web-based and Telephonic
TELEMEDICINE & TELETHERAPY: 24/7 Access, and $0 Copay
HEALTH COACHING & CONFIDENTIAL SUPPORT ASSISTANCE: Licensed Health Coaches, SMART Goals, and Weight and Disease Management
Nutrition Education, Personal Training, and Health Advocacy
Work Shield, Medical Procedure Pricing, Smoking Cessation
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Rx Free Prescription Program Formulary:
70 of the most commonly prescribed prescriptions for free:
ANTIBIOTICS & INFECTION:
Acyclovir
Amoxicillin
Amoxicillin/Clavulanate
Ampicillin
Azithromycin (Z-pack)
Bacitracin
Cefdinir
Cefuroxime Axetil
Cephalexin
Clarithromycin
Clindamycin
Doxycycline
Fluconazole
Erythromycin
Erythromycin Stearate
Gentamycin
Ketoconazole
Levofloxacin
Metronidazole
Minocycline
Mupirocin
Neomycin
Ofloxacin
Penicillin Polymyxin
Sulfacetamide
Sulfamethoxazole/
Trimethoprim
Tetracycline
Tobramycin
Triamcinolone
Trimethoprim
Tobramycin
ALLERGY:
Brompheniramine
Cetirizine
Celecoxib
Chlorpheniramine
Cyproheptadine
Diphenhydramine
Fexofenadine
Hydroxyzine
Levocetirizine
Loratadine
Methylprednisolone
Montelukast
Prednisone
ANTIFUNGAL
Clotrimazole Topical
ASTHMA/BRONCHITIS:
Methylprednisolone
Montelukast
Prednisone
CONSTIPATION/DIARRHEA:
Docusate
Loperamide
COUGH:
Benzonatate
Guaifenesin
Promethazine
EAR:
Amoxicillin
Amoxicillin/Clavulanate
Cephalexin
Sulfamethoxazole/Trimethoprim
EYE:
Sulfacetamide
Tobramycin
Trimethoprim
FEVER:
Ibuprofen
Tylenol
INFLAMMATION:
Dexamethasone
Hydrocortisone
INFLUENZA:
Oseltamivir
Zanamivir (Relenza) brand covered
NAUSEA/VOMITING:
Cyclobenzaprine
Meclizine
Promethazine
PAIN:
Ibuprofen
Naproxen
Tylenol
Aspirin
RASH/ITCH:
Cyproheptadine
Hydrocortisone
Triamcinolone
SORE THROAT/STREP:
Amoxicillin
Amoxicillin/Clavulanate
Azithromycin (Z-Pack)
Cephalexin
SUPPLEMENT:
Prenatal Vitamins
SWELLING:
Fluticasone
Naproxen
Prednisone
UTI:
Amoxicillin
Amoxicillin/Clavulanate
Ampicillin
Ciprofloxacin
Cotrimoxazole
Doxycycline
Fluconazole
Fosfomycin
Levofloxacin
Nitrofurantoin
Sulfamethoxazole/trimethoprim
(Refer to Antibiotics/Infection)
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Example of EMPLOYER DISTRIBUTION of PLAN 1200:
Savings Per Employee: Per Month: $91.80, Per Year: $1101.60
Cost Per Employee: Per Month: $35, Per year: $420
NET SAVINGS PER EMPLOYEE after HealthCues Fee:
Per Month: $56.80, Per Year: $681.60
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A PREVENTATIVE HEALTHCARE PLATFORM WITH SMART VIRTUAL CARE:
BOARD CERTIFIED DOCTORS, LICENSED THERAPISTS, INTEGRATED RX SAVINGS PROGRAM & EVEN LICENSED VETERINARIANS.
Unlimited Virtual Care. $0 Per Visit. Virtual Urgent Care, Virtual Primary Care, Mental Health Support, Integrated Rx Savings with 200 of the most commonly prescribed drugs for free. Also, includes Virtual Vet.
Limited Benefit Hospitalization Plan to cover those out of pocket medical expenses.
A proactive health management program:
Board Certified Doctors
• Health Risks Assessments
• Health Goals
• CompareMed Rx
• Biometric* & DNA Screenings
• Nutrition Education
• Weight & Disease Management
• Health Advocacy
• Medical Procedure Pricing
• Online Learning Modules
• Workshield – Impartial workplace harassment
solutions. Protects employees and employers.
• Cambridge Credit Counseling
*Biometric Screening through Vitual Primary Care visits.
SECTION 125 PLAN IMPLEMENTATION:
Our HealthCues Program is implemented through a Section 125 Plan, which can
increase employee net take home pay and create significant tax savings for the
employer. There is no out of pocket cost for the employee, or the employer.
We also have the ability to include a MEC Plan with three doctor visits with a
$15 Copay.
“The employees are immensely satisfied with the access to a number of different benefits and the added bonus of the increase in take home pay. Healthcues has been a total win, win for our company and employees.” from Kevin – CFO of Large Staffing Company. 
Following Onboarding:
Our commitment to support doesn’t end once your employees are
onboarded. The call center remains open (M-F) and available for
employees to access whenever they need assistance or have questions
about the Healthcues program.
Additionally, we will continue to be accessible to clients via phone and
email, ready to address any further inquiries, concerns, or roadblocks
they may encounter along the way. Our ongoing support ensures that
both employees and clients feel fully supported and empowered to
make the most of the Healthcues benefits.
_________________________________________________________________
BOARD CERTIFIED DOCTORS, LICENSED THERAPISTS, EVEN LICENSED VETERINARIANS!
VIRTUAL URGENT CARE : $0 per visit Available 24/7, Sync start to finish average time – 5 min 46 sec, 8 out of 10 prefer a sync vs. phone or video, Phone and video consultations are also available. cold, flu ■ sinus infectionsfever cough ■, allergies ■ asthma ■ skin conditions ■ pinkeye, ■ UTl’s fatigue ■ migraines ■ and more!
VIRTUAL PRIMARY CARE: $0 per visit, Schedule appointments, Care coordination team
Recommends follow up care, Specialist referrals Order labs, screenings and labs ■ diabetes ■ high blood pressure ■ routine health maintenance ■ high cholesterol ■ and more!
MENTAL WELLNESS: $0 per visit, Licensed mental health professionals, 7 days a week, 7am-10pm, Scheduled appointments, family counseling ■ PTSD ■ trauma ■
anger ■ feeling overwhelmed ■ depression ■ anxiety ■ and more!
_________________________________________________________________
Free Rx Program : Over 200 of the most commonly prescribed prescriptions for free:
ALLERGY: Carbinoxamine, Diphenhydramine, Cetirizine Hcl, Hydroxyzine Hcl, Cetirizine Hcl, Hydroxyzine Hcl, Cyproheptadine Hcl, Montelukast
ANEMIA: Ferrex
ANTIBIOTICS: Augmentin, Polytrim Opthalmic Solution, Cephalexin, Bactrim DS
ANTICOAGULANT: Clopidogrel, Warfarin
ANTIFUNGAL: Clotrimazole, Ketoconazole
BLOOD PRESSURE: Amlodipine, Lisinopril, Amlodipine, Lisinopril, Amlodipine, Lisinopril,
…And More!
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VIRTUAL URGENT CARE: Say goodbye to waiting hours for a phone call. Think initiating and completing visits at your own convenience. Intake-to-diagnosis is completed via an ai-driven smart questionnaire and asynchronous* physician consultation. Our process is preferred by patients 8 times out of 10. Faster, better, easier, more affordable • Phone and video consultations available.
VIRTUAL PRIMARY CARE: Say hello to more convenient, healthier long-term outcomes for your chronic conditions and general health. Receive support for your chronic condition(s) by creating a relationship with a board-certified physician in the palm of your hand. Schedule appointments, screenings, labs, and follow-up care with ease.
INTEGRATED RX SAVINGS: Prescription discount card provides access to over 55,000 FDA-approved medications, 40% of which cost $10 or less, at over 80,000 pharmacies nationwide. Imagine all you could do with the savings! Provides over 200 of the most commonly prescribed medications for free.
MENTAL HEALTH: Access mental health support via a scheduled phone or video call through mental wellness therapy (licensed mental health professionals) or clever connections (shared experience peer-to-peer support). But wait there’s more! Message with
interactive and intuitive chatbot, bella, 24/7/365 anonymously anytime, anywhere. Your mind has met its most helpful match! If you are in a crisis situation, please call or text the 988 Suicide & Crisis Lifeline.
VIRTUAL VET: Ditch unnecessary and pricey urgent care veterinary visits for your cats and dogs by accessing licensed veterinary professionals via video or phone for advice and guidance. Now that’s the cat’s meow!
CAMBRIDGE CREDIT COUNSELING: Credit Counseling, • Debt management, • Financial Education
VIRTUAL VITALS: Monitor your vitals. • Scan your face for breathing rate, blood pressure and oxygen saturation.• Sync weight, heart rate, steps and sleep via Apple Health or manual entry.
BIOMETRIC SCREENING: Biometric Screenings can help predict the onset of diseases such as diabetes, heart disease, hypertension and other chronic conditions. This screening provides a finger stick blood sample and a review with a doctor. • One screening is allowed per year.
HEALTH RISK ASSESSMENT: Unlimited/ Take as often as you like. • This dynamic self assessment test has the ability to forecast future health concerns based on current and past medical history, so you can help manage and avoid future health risk.
DNA SCREENINGS: DNA Screening is allowed only once for the life of the program. • Learn about your body. Nutrition Test, Fitness Test and Skin Test are available. Learn what works best for you and what does not work for you based on your personal DNA.
ONLINE LEARNING MODULES: Hundreds of Modules and Videos to learn more about your health.
LIMITED BENEFIT HOSPITALIZATION PLAN: Payments based on your specific plan per your plan level and policy. • Provides funds directly to the employee member to help with those out of pocket expenses for hospital admissions, emergency room visits and ambulance services.
WORK SHIELD: Impartial workplace harassment solutions: Unlimited Use • Work Shield provides the only full-service solution that partners with organizations to efficiently manage reporting, investigation and resolution of workplace harassment, discrimination, and misconduct incidents. 
Getting biometric screenings once a year is an important step in maintaining long-term health and preventing serious medical conditions. Biometric screenings are simple health measurements—such as blood pressure, cholesterol levels, blood glucose, body mass index (BMI), and waist circumference—that provide a clear snapshot of a person’s current health status. While many people feel healthy and may not experience symptoms, these screenings can uncover hidden risk factors before they develop into more serious problems.
One of the most important benefits of annual biometric screenings is early detection. Conditions such as high blood pressure, diabetes, and high cholesterol often develop gradually and may not cause noticeable symptoms in their early stages. Without regular monitoring, individuals may be unaware of these risks until complications arise. Identifying abnormal readings early allows for timely intervention, whether through lifestyle changes, preventive care, or medical treatment, which can significantly reduce the likelihood of chronic disease.
Biometric screenings also encourage personal accountability and healthier habits. Seeing objective data about one’s health can be a powerful motivator to improve diet, increase physical activity, manage stress, or quit unhealthy behaviors. When screenings are conducted annually, they allow individuals to track trends over time, making it easier to see progress or recognize when adjustments are needed. This ongoing awareness helps transform health management from a reactive approach into a proactive one.
From a broader perspective, annual biometric screenings can help reduce healthcare costs for both individuals and employers. Preventing or managing conditions early is often far less expensive than treating advanced disease. Fewer hospitalizations, medications, and long-term complications translate into lower medical expenses and improved productivity.
Ultimately, annual biometric screenings provide valuable insight into overall health, empower individuals to make informed decisions, and support preventive care. By taking a small amount of time each year to understand key health indicators, individuals can protect their well-being, improve quality of life, and reduce future health risks.
About HealthCues
Established in 2020 and headquartered in Ponte Vedra, FL, HealthCues offers workplace health solutions with no out-of-pocket cost. It bridges the gap between employers, employees, and a path to well-being while generating a positive financial impact.
Their offerings encompass hospitalization plans, DNA and biometric screenings, medical screenings, virtual primary and urgent care services, virtual vitals (face scan), virtual veterinary care, mental health services, and an Rx discount program (with over 200 of the most commonly prescribed drugs available for free), as well as health learning modules and videos. HealthCues can also include a MEC Plan.
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