For HR · Quantum 125
Better benefits for your people. Nothing new for HR to run.
Quantum 125 adds supplemental health benefits beside your medical plan. Quantum Health Benefits runs enrollment, employee questions, billing and claims. HR sends one payroll report, attends one kickoff call and keeps its week.
What does HR do in a Quantum 125 rollout?
Send one payroll report, attend one kickoff call, send the employee notice QHB prepares, and add new hires on the usual schedule. QHB's team runs enrollment, opt-outs, employee questions, billing, claims and per-payroll reports. The medical plan, broker and renewal stay as they are.
HR’s part
What lands on HR’s desk, and what does not.
- Before you sign
- Send one recent payroll report through a secure link. Read the proposal with the owner or CFO. Your CPA reviews the plan document and the payroll instructions.
- Kickoff
- One call with Quantum Health Benefits’ implementation team: payroll provider, pay frequency, eligibility rules, start date.
- Employee notice
- QHB prepares the written notice of the plan and the payroll deduction; you send it on your normal channel.
- Enrollment
- QHB’s enrollment team explains the plan to employees and handles opt-outs. Every eligible employee starts enrolled.
- Every pay period
- The deduction runs through your payroll. QHB sends payroll and analytics reports.
- New hires
- Add them on your usual schedule; QHB adds them to the plan.
What Quantum runs
The work a new benefit usually adds, handled.
Every eligible employee starts enrolled, so there is no sign-up campaign to run. Quantum 125 employers typically see 86–92% participation.
- Plan setup, enrollment materials and the employee notice.
- Employee questions, billing questions and claims.
- Payroll and analytics reports every pay period.
- Plugs into your payroll system, including ADP, Gusto and others: no monthly spreadsheets or add-and-delete files.
- A mobile app where employees reach every benefit.
The timeline
From one payroll report to a plan in place.
Step Phase 01
Send one payroll report.
A recent payroll export through a secure link. Quantum Health Benefits models the plan employee by employee, and nothing changes on your payroll yet.
Step Phase 02
Read your proposal in 3 to 5 business days.
Person-by-person figures for your company, built from your own payroll, not from an average.
Step Phase 03
Your CPA reviews it before you sign.
The proposal, the Section 125 plan document and the payroll reporting instructions go to your CPA first. Then you sign the two plan agreements.
Step Phase 04
Quantum sets it up and enrolls your team.
QHB works with your HR and payroll and runs enrollment; HR attends one kickoff call. Setup typically takes 60 to 90 days, and the plan can start any month: it sits on top of your current health plan, so there’s no need to wait for your renewal.
What employees get
What you can tell your people.
Plan 1500, 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
Straight answers
HR questions, answered.
- How much of HR’s time does this take?
- One kickoff call, the payroll report up front, and sending the employee notice. New hires come through payroll, and there’s no premium for a month an employee isn’t paid. QHB’s team runs enrollment, questions, billing and claims.
- Does it change our medical plan, broker or renewal?
- No. Quantum 125 sits beside the medical plan. The broker stays on the medical placement, and the renewal runs as it does today.
- Which payroll systems does it work with?
- QHB plugs into ADP, Gusto and the other major payroll systems and checks every deduction each pay run. Tell the implementation team which one you run at kickoff.
- What do employees receive before it starts?
- Written notice of the plan and the payroll deduction, and the chance to opt out. The plan document sets the timing.
- What if an employee has questions about a claim?
- They go to QHB’s member services and the app, not to HR.
- Who reviews the payroll reporting?
- Your CPA. QHB provides the plan document and the payroll reporting instructions before anything is signed.
- Who can enroll?
- W-2 employees on a regular payroll. Shareholders who own more than 2% of an S corporation, partners and sole proprietors generally cannot take these benefits pre-tax; your CPA confirms.
Schedule a Meeting
Pick it apart first.
Thirty minutes for HR, before anyone else decides. Bring your payroll provider’s name.
Or call 248.742.0065Mon – Fri: 9:00 AM – 5:00 PM