IRC §125 · ACA §4980H
THE WHOLE PROGRAM. ONE STRUCTURE UNDER ALL OF IT.
Primary care, major medical, dental, and vision, the complete benefits stack on a single architecture, funded by one engine and administered as one. Everything your people expect from a large employer, built on the structure that makes it cost less to provide.
PREMIERCARE DELIVERS THE COMPLETE SUITE
ONE ARCHITECTURE. FOUR PLANS.
The Optiv architecture is one structural framework that supports four plans. Each builds on the next, from broadest reach to most complete coverage. Optiv Advantage is the keystone: the supplemental engine that recovers payroll tax, raises take-home pay, and delivers the care suite. The other three plans depend on Advantage to function.
Every Optiv engagement runs through Advantage. The other plans are added or removed depending on how the configuration is engineered for your workforce.
THE COST OF FRAGMENTATION
YOUR BENEFITS COME FROM TOO MANY PLACES.
Most employers do not buy their benefits. They assemble them. Medical from one carrier, dental from another, vision from a third, each sourced separately, each renewing on its own clock, each with its own invoice, its own enrollment, its own portal, and its own administrator to call when something breaks. The result is a benefits program held together by the HR team that has to manage all of it, and a cost structure where no single vendor is accountable for the whole.
This is how it has always been done, so it rarely gets questioned. But every seam between vendors is a place where money leaks and work accumulates. Three renewals instead of one. Three rate increases to absorb instead of one. Three sets of paperwork at open enrollment. The fragmentation is not a feature. It is the cost of never having had a single structure to put everything on.
PremierCare is that structure. The complete benefits stack, medical, dental, and vision, on the one architecture every Optiv plan already runs through, funded by the same engine, administered as one.
WHAT THE PLAN DELIVERS
ONE PROGRAM. EVERYTHING IN IT.
A standard benefits program is a stack of separate purchases that happen to sit next to each other. PremierCare is a single program that happens to cover everything. That difference is what the employee feels and what the employer stops paying for.
One Program, Built In Layers
Underneath every PremierCare configuration is the Advantage layer: the dedicated primary care, the everyday access, the payroll recovery that raises take-home pay. On top of it sits full ACA major medical, the same real coverage CompleteCare delivers, from an A-rated, state-licensed carrier. And alongside it, dental and vision, the coverages employees use the most and notice the fastest when they are missing. One program, built in layers, each layer doing the job the layer above and below cannot.
The Full Stack, Top To Bottom
Here is the full stack, top to bottom.
The Advantage Foundation.
A dedicated primary care physician, virtual and in person, with everyday care at no copay, the workplace protection of Work Shield, expense tracking through Optiv Compass, and the Member App that ties it together. This is the layer that recovers payroll cost and funds everything above it.
Major Medical.
Real ACA coverage for the larger events: hospital, surgery, specialists, maternity, imaging, emergency care. Configured to the level the employer chooses, from the compliance floor to full protection, the same spectrum CompleteCare runs across.
Dental.
Preventive care, cleanings and exams, basic services like fillings, and major services like crowns and dentures. The coverage employees reach for first and miss the most when a plan leaves it out.
Vision.
Annual eye exams, lenses, frames, and contact allowances. Low cost, high use, and one of the most visible signs to an employee that their employer built a real program rather than a minimum one.
Every layer is included in one configuration, enrolled once, administered as one, and funded by the structure underneath. The employee carries one program. The employer manages one relationship.
HOW CONSOLIDATION WORKS
FOUR VENDORS BECOME ONE.
Run four benefits through four vendors and you run four companies’ worth of administration. Four renewals, four billing cycles, four enrollment windows, four portals, four numbers to call. PremierCare collapses that into one.
One Census, One Configuration
The employer provides a single census. Optiv configures the full stack against it, medical, dental, vision, all on the Advantage structure. Enrollment happens once, through one process, not four staggered ones. Billing reconciles through the payroll process already in place rather than across separate invoices. When something needs attention, there is one relationship to manage, not a vendor matrix to coordinate.
What Consolidation Actually Buys
This is what consolidation actually buys: not just a lower cost, but the elimination of the work that fragmentation creates. Every vendor an employer removes is a renewal they no longer negotiate, a portal they no longer maintain, and a seam where cost and effort no longer leak. The stack gets larger while the administration gets smaller.
And It Holds At Renewal
And it holds at renewal, because the structure underneath is the same Advantage engine that funds and offsets the whole configuration. The market can reprice the pieces. The engine does not stop running because a year went by.
WHAT THE PLAN RETURNS
THE COMPLETE PROGRAM. THE CONSOLIDATED COST.
PremierCare returns the complete program and the consolidated cost in one move.
The Structural Returns
The Complete Program.
The employer offers a benefits stack that competes with anything a much larger company puts in front of its people: primary care, major medical, dental, and vision, on one structure, enrolled and administered as one. For recruiting and retention, this is the offer that closes. A candidate comparing two jobs sees a complete program on one side and a partial one on the other, and the complete program is the one built on the structure that also costs the employer less to provide.
The Consolidated Cost.
Every layer is funded by the same Advantage recovery that runs underneath the whole configuration. The employer is not paying four vendors’ margins and absorbing four rate increases. The stack is funded as one, offset by the structure as one, and it does not reset upward every time a separate renewal comes due.
The Work Does Not Grow With The Stack
This is the part that surprises employers most. Adding dental and vision to a medical plan, in the conventional model, means more vendors, more enrollment, more administration. On PremierCare it means more coverage on the same single configuration, with no new relationships to manage. The largest plan in the ladder asks no more of the employer than the smallest.
Across all of it, the employer’s role does not change. You provide the census and the signature. Everything else is supported.
COMPLIANCE AND DEFENSIBILITY
ENGINEERED FOR COMPLIANCE.
PremierCare carries the same structural question CompleteCare does, and answers it the same way. The major medical is real insurance, issued by an A-rated, state-licensed carrier, filed and regulated as major medical in every state where it is offered. The carrier bears the medical risk. The dental and vision coverages are likewise real, carrier-issued insurance products, not discount cards or self-funded promises. Nothing about the Optiv structure changes what any of the coverage is or who stands behind it.
Two Instruments, Two Lanes
The §125 architecture underneath does its separate job: it governs how the configuration is funded and how the recovery is generated. Insurance on one side, funding structure on the other, the line between them clean by design, exactly as it is on CompleteCare. Adding dental and vision does not change that separation. It places two more real, carrier-issued coverages on the same documented foundation.
The Foundation Is Already Documented
That foundation is the architecture documented for Optiv Advantage, the keystone every configuration runs through. Its statutory basis, the separation of roles, the substantiation, and the carrier and risk-transfer structure are set out in full in the Advantage materials and the compliance brief. PremierCare does not introduce a different engine. It runs the complete benefits stack on the one already built.
Closing
For the advisor, CFO, or counsel who wants to examine the structure before an employer commits, the full analysis is available in discovery. The short version is the one that matters here: every coverage in the stack is real, every carrier is real, and the structure underneath is the same one Optiv stands behind on every plan in the ladder.
KNOW YOUR NUMBERS, BEFORE YOU MAKE THE CALL.
The case for PremierCare is the whole program against the cost of assembling it yourself. So before you schedule anything, see the comparison for your own workforce. The calculator models your census, your wage structure, and your participation profile against the §125 architecture, and it returns what the complete stack would cost you through Optiv, against what the same coverage costs sourced vendor by vendor. With full disclosures. No commitment. No sales call required.
The Optiv Group helps employers evaluate tax-advantaged benefits strategies, payroll-linked savings opportunities, and modern coverage paths with compliance-aware plan design.
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Educational content only. Savings estimates are not guarantees and require plan-specific review.