Does this replace my health insurance?

No. Quantum 125 is supplemental coverage that sits beside your employer’s medical plan.

Will my paycheck go down?

The plan is designed so enrolled employees take home more, not less: about $85.48 a month on a $50,000 salary in the program’s design. Your own figure depends on your pay and the plan tier; the enrollment team shows it to you before the plan starts.

Do I have to sign up?

No. Every eligible employee starts enrolled and gets written notice of the plan and the payroll deduction before it starts. You can choose to opt out. Quantum 125 employers typically see 86–92% participation.

Can my family use it?

Yes, for care. Virtual primary and urgent care, prescriptions and the virtual vet cover you and your family. Hospital, ER, ambulance, surgery, critical illness and accident benefits cover you and pay cash straight to you.

How do I use the benefits?

Through the mobile app and the member services team: a primary care doctor and 24/7 urgent care by video, prescriptions at $0 copay on covered medications, and claims for hospital, ER, ambulance, surgery, critical illness and accident benefits.

What is the monthly wellness activity?

One short activity a month in the app. The plan is designed around it, so the enrollment team will show you where to find it.

The premium comes out of pay before tax under a Section 125 plan. How the plan’s payments show on your pay stub and W-2 follows the plan documents and the payroll instructions, which your employer’s CPA reviews.

For employees · Quantum 125

Benefits you use from day one. More in your paycheck.

Your employer’s Section 125 plan adds supplemental health benefits beside your medical plan. The premium comes out of pay before tax, so the plan is designed to leave more in your take-home, not less.

More in your paycheck: About 2% more take-home at a $50,000 salary.
Your own doctor, by video, $0 copay: Primary and urgent care for you and your family, 24/7, from anywhere.
$0 prescriptions: 1,000+ covered medications for you and your family.
Cash if you’re in the hospital: Paid straight to you, to spend however you need.
A vet for the family pet: Virtual vet care, $0 copay.

a month in take-home, by design, on a $50,000 salary: +$85.48
a year, by design, on the same salary: +$1,025.76
for your own doctor by video, for you and your family: $0
covered medications at $0 copay: 1,000+

What do employees get from Quantum 125?

Supplemental health benefits from the day the plan starts: telemedicine at $0 copay for the family, $0 copay on 1,000+ covered medications, hospital, ER, ambulance, surgery and anesthesia, critical illness and accident benefits, plus a virtual vet and coaching. The premium comes out of pay before tax, and the plan is designed so take-home rises.

What you get

Everyday care at $0, and cash benefits when something goes wrong.

Plan 1500, quoted from Quantum Health Benefits’ plan grid.

Virtual primary and urgent care: A primary care doctor by video who can order labs and manage chronic conditions, plus 24/7 urgent care from anywhere. $0 copay for the employee and family
Prescriptions: $0 copay on 1,000+ covered medications for the employee and family: a local pharmacy for urgent needs, mail order for monthly ones
Hospital stay: $1,000 a day for up to the first 30 days of a hospital stay, paid in cash to the employee
Virtual vet: 24/7 virtual vet care for the family pet, 4 visits a year
Emergency room: $500 a visit, up to 3 a year
Ambulance: $500 a trip, up to 3 a year
Surgery and anesthesia: $1,000 inpatient surgery benefit and $1,400 anesthesia benefit
Accident: Up to $1,000 a benefit year, inpatient or outpatient
Critical illness: A $2,500 lump sum on a covered diagnosis, such as a heart attack or cancer
Mental health: Behavioral health sessions by phone or video
Wellness and coaching: The QHB app with one short wellness activity a month, plus personal coaching sessions

Your paycheck

Same gross pay. More of it reaches you.

The premium for the plan comes out of your pay before federal and FICA taxes are figured, so less of your pay is taxed. The plan’s benefits come back to you. In the program’s design, that leaves about $85.48 more a month on a $50,000 salary. Lower pay means a smaller gain; the enrollment team shows your own figure before the plan starts.

What stays the same

Your medical plan, doctors and deductible.
Your gross pay.
Any other benefits your employer offers today.

Enrollment

You start enrolled. You can choose to opt out.

Every eligible employee starts in the plan and gets written notice of the plan and the payroll deduction before it starts. If you would rather not take part, you can opt out; the enrollment team explains how and when. Quantum 125 employers typically see 86–92% participation.

How you use it

Download the app and sign in with your enrollment details.
Book a telemedicine visit by phone or video, any time.
Fill covered prescriptions at $0 copay.
File a claim for a hospital stay, ER visit, accident or covered diagnosis through the app or member services.
Do one short wellness activity a month in the app.

Straight answers

Employee questions, answered.

Does this replace my health insurance?: No. Quantum 125 is supplemental coverage that sits beside your employer’s medical plan.
Will my paycheck go down?: The plan is designed so enrolled employees take home more, not less: about $85.48 a month on a $50,000 salary in the program’s design. Your own figure depends on your pay and the plan tier; the enrollment team shows it to you before the plan starts.
Do I have to sign up?: No. Every eligible employee starts enrolled and gets written notice of the plan and the payroll deduction before it starts. You can choose to opt out. Quantum 125 employers typically see 86–92% participation.
Can my family use it?: Yes, for care. Virtual primary and urgent care, prescriptions and the virtual vet cover you and your family. Hospital, ER, ambulance, surgery, critical illness and accident benefits cover you and pay cash straight to you.
How do I use the benefits?: Through the mobile app and the member services team: a primary care doctor and 24/7 urgent care by video, prescriptions at $0 copay on covered medications, and claims for hospital, ER, ambulance, surgery, critical illness and accident benefits.
What is the monthly wellness activity?: One short activity a month in the app. The plan is designed around it, so the enrollment team will show you where to find it.
How is it taxed?: The premium comes out of pay before tax under a Section 125 plan. How the plan’s payments show on your pay stub and W-2 follows the plan documents and the payroll instructions, which your employer’s CPA reviews.

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