WellCore360 is a differentiated, counsel-reviewed benefit your clients adopt and stay with. It lifts employee take-home pay at zero net cost while delivering benefits that strengthen retention, recruitment, and total health, and it deepens the value you bring to every client relationship. Bring it to your book, and let's talk.
Lead with something few competitors can. A benefit that raises take-home pay and adds coverage at zero net cost stands out in any renewal conversation.
Clients that adopt WellCore360 gain a concrete reason to stay. It becomes part of how they compensate and retain their people.
Broaden what you bring without new carriers to manage. WellCore360 runs the administration, the platform, and the provider network.
The structure is a self-insured Section 105 preventive care program paired with a Section 125 cafeteria plan. It is not insurance, and it is not an indemnity plan. The design, documentation, and operations have been reviewed against the ACA, Code Sections 105, 213(d), and 125, Revenue Ruling 69-154, HIPAA, and ERISA.
The IRS guidance brokers hear about most, Chief Counsel Advice 202323006, addressed fixed-indemnity insurance products. That is a different arrangement from a self-insured Section 105 plan delivering documented 213(d) medical care. Our outside ERISA counsel's written analysis, including that distinction, is included in the diligence packet for your clients' advisors to review.
Request the partner packet using the form below.
We set up a call to cover fit, partner economics, and the distribution agreement.
You get the diligence materials under NDA for your clients' advisors, including our counsel's written compliance analysis.
You bring it to clients with our support: the savings calculator, prospect materials, and a joint diligence call.
Partner economics are set out in the Distribution Agreement and discussed directly on our first call. We do not publish commission figures.
Tell us a bit about you and we'll set up a conversation and send the partner materials. The detailed compliance analysis and partner economics come through that process, under NDA.
Sensitive materials are sent after review, not auto-downloaded.
Request the partner packet, or reach us directly to start the conversation.
Brokers offer WellCore360 as a differentiated benefit that clients adopt and keep, strengthening retention and recruitment. It complements existing lines rather than competing with them.
No. WellCore360 is not insurance and complements existing health coverage rather than replacing it, so it sits alongside what you have already placed.
The structure is reviewed by outside ERISA and benefits counsel, and a written compliance analysis is available to advisors under a nondisclosure agreement.
Request the broker packet on this page. Requests are reviewed before any nondisclosure-gated material is sent, and the team follows up to walk through the program.
