Employee Benefits Solutions
Improve Cash Flow, Enhance Employee Benefits at No-Net Cost
At Blue Wave Financial, we help employers offer meaningful benefits without adding financial strain. Our employee benefits program provides day-one coverage that can stand alone or complement a major medical plan.
Employees gain access to real, everyday value—including over 1,100 $0 copay prescriptions, virtual telemedicine, and a hospital indemnity plan—while often seeing an increase in their take-home pay.
Employers benefit from happier, more engaged teams and substantial tax savings, averaging up to $900 per employee per year. All of this integrates seamlessly with your existing payroll and benefits structure, making it simple to implement and easy to manage.
Virtual Primary Care
Dedicated Physician
Primary Care Services
At-Home Labs
Chronic Care Management
Health Risk Assessment
Integrated Urgent Care
Zero $ Co-Pay
Virtual Urgent
Care
24/7 Access
Phone, Video, Mobile, Web, Desktop
Primary Care Coordination
<9 min Response Time
Zero $ Co-Pay
Unlimited Usage
Prescription Benefits
Prescription Benefit Card
Extensive Prescription List
$0 Co-Pay to 1,100+ Most Common Medications
National Pharmacy Network
Easy Member Portal
Improved Medication Adherence
Virtual Behavioral Healthcare
Virtual Psychiatry
Therapy & Counseling
Intake and PHQ9 Assessment
Risk Stratification
Primary Care Coordination
Pediatric Services
Zero $ Co-Pay
Unlimited Usage
Primary Care Physician
Increased Take Home Pay
Hospital Plan Insurance
Lab Testing
Coaching
Tax Advice Services
Usage Statistics & Wellmetrics
Day 1 Coverage
Employer Benefits
Zero Net Cost to Employer
Fully funded through pre-tax payroll strategies
Save an average of $800-$1,000 in FICA contributions per employee per year
Stronger Employee Retention & Performance
Engaged, healthier employees stay longer
Reduced burden for major medical insurance
Averted everyday demands from major medical plans
Integrates with all Payroll Software
Compliance & Simplicity
- Fully Insured with AA Rated Insurance Carrier
- ACA and IRC‑125 compliant
The simple method behind our success
Review Current Benefits
Analyze payroll & health plan costs
Strategy
Crafting tailored solutions that align with your core objectives
Execution
Seamless rollout & Employee education
Ongoing Support
Monitoring and providing support as needed