Monarch Benefits Insurance Services

06/03/2026

Everyone loves a win-win, especially when it comes to healthcare and taxes.

In the fourth part of our SIMERP series, we’re focusing on the "Wellness" side of the equation: WIMPER. While employers see significant tax savings, their teams gain access to a robust wellness benefit worth approximately $1,220 in pre-tax value: at absolutely no cost to them.

This isn’t just a "nice-to-have" perk. It provides essential diagnostic, preventive, and treatment services that help employees stay healthy and proactive. By removing the financial barrier to wellness, you’re not just protecting your bottom line; you’re building a healthier, more engaged team.

At Monarch Benefits, we help you navigate these innovative programs to find the perfect fit for your organization. Lowering out-of-pocket costs while maximizing value is what we do best. It’s about more than just insurance; it’s about providing a resource that makes a real difference in people's lives.

Ready to see how WIMPER can transform your benefits package? Schedule a discovery call here: https://calendly.com/bryce-mbis/discovery-call

06/02/2026

Did you know your birthday in California comes with a special "gift" for your healthcare budget?

The California Birthday Rule is a significant provision for Medicare Supplement (Medigap) policyholders. Every year, starting on your birthday, you have a 60-day window to switch to another Medigap plan with equal or lesser benefits: without any medical underwriting.

This means no health questions and no risk of being denied coverage based on your medical history. It is the ideal opportunity to shop for more competitive rates and potentially lower your monthly premiums while maintaining the same level of coverage. If you have noticed your current premiums rising, this annual window is your chance to reset and save.

Navigating insurance regulations can be complex, but you don't have to do it alone. At Monarch Benefits, we specialize in identifying these opportunities to help you protect your assets and reduce out-of-pocket costs.

Don’t let this window close without reviewing your options. Visit monarchbenefits.com or book a call with our experts to ensure you are receiving the best value for your plan.

06/02/2026

It can be frustrating and even alarming to learn that a trusted doctor no longer accepts Medicare. For many beneficiaries, long-standing...

06/02/2026

Is your benefit plan built on a solid foundation?

In this part of our series, we are addressing the most critical question for business owners: Is this compliant?

The answer is a definitive yes. A Self-Insured Medical Reimbursement Plan (SIMERP) is not a loophole. It is a structured program based on established IRS codes that have been in place for decades:

- IRC Section 105: Tax-free medical reimbursements.
- IRC Section 106: Employer-provided health insurance.
- Section 125: Cafeteria Plan framework (since 1978).

At Monarch Benefits, we prioritize transparency and legal integrity. We help you navigate these regulations so you can focus on growing your business with confidence.

Ready to review the compliance framework for your firm? Schedule a discovery call here: https://calendly.com/bryce-mbis/discovery-call

06/01/2026

SIMERP SERIES: PART 2 | The Math Behind the Savings

Let’s talk about the math that makes business owners smile.

In part two of our SIMERP series, we’re breaking down the specific $640 annual net F**A tax savings per employee.

How does it work? By implementing a Section 105 reimbursement program with a wellness component, you reduce your payroll tax liability. Here is the straightforward breakdown:

1. Each employee receives a $1,220 pre-tax wellness benefit.
2. The F**A tax rate reduction (7.65%) results in $93.33 in gross monthly savings.
3. After the program fee, you’re left with $53.33 in net monthly savings per employee.

That’s roughly $640 in annual savings per employee that stays in your business. It's a rare win-win where the numbers do the heavy lifting for you.

Ready to run the numbers for your team? Schedule a discovery call here: https://calendly.com/bryce-mbis/discovery-call

05/30/2026

Business owners: Are high healthcare costs weighing you down? SIMERP is the secret weapon many are using to lower out-of-pocket expenses while maximizing benefits. It’s the lightbulb moment your bottom line needs.

This is PART 1 of our SIMERP series: The Business Owner's Secret Weapon.

Ready to see how it can help your business? Schedule a discovery call here: https://calendly.com/bryce-mbis/discovery-call

05/29/2026

Is your benefit plan built on a solid foundation?

In this part of our series, we are addressing the most critical question for business owners: Is this compliant?

The answer is a definitive yes. A Self-Insured Medical Reimbursement Plan (SIMERP) is not a loophole. It is a structured program based on established IRS codes that have been in place for decades:

- IRC Section 105: Tax-free medical reimbursements.
- IRC Section 106: Employer-provided health insurance.
- Section 125: Cafeteria Plan framework (since 1978).

Compliance goes beyond just the tax code. A well-designed program also ensures full adherence to HIPAA, ERISA, and ADA requirements. This multi-layered framework allows businesses to capture significant F**A savings while providing employees with additional health resources at no net cost.

At Monarch Benefits, we prioritize transparency and legal integrity. We help you navigate these regulations so you can focus on growing your business with confidence.

Ready to review the compliance framework for your firm? Schedule a discovery call here: https://calendly.com/bryce-mbis/discovery-call

05/29/2026

05/27/2026

Let’s talk about the math that makes business owners smile.

In part one of our SIMERP series, we touched on the concept of tax savings. Today, we’re breaking down the specific $640 annual net F**A tax savings per employee.

How does it work? By implementing a Section 105 reimbursement program with a wellness component, you reduce your payroll tax liability. Here is the straightforward breakdown:

1. Each employee receives a $1,220 pre-tax wellness benefit.
2. The F**A tax rate reduction (7.65%) results in $93.33 in gross monthly savings.
3. After the program fee, you’re left with $53.33 in net monthly savings per employee.

That totals $639.96: roughly $640: in annual savings per employee that stays in your business.

This is a "no-net-cost" strategy. You lower your payroll taxes while providing your team with enhanced benefits and healthcare resources at no extra cost to them. It is a rare win-win where the numbers do the heavy lifting for you.

Ready to see how these savings look for your specific headcount? Let’s run the numbers together. Visit us at monarchbenefits.com to get started.