A Health Benefit Your Team Will Actually Use.
CB Premier Benefits adds $0-copay primary & urgent care, unlimited virtual visits, and everyday prescriptions on top of your current health plan — while helping many employers reduce payroll tax costs along the way.
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*Illustrative example only, based on a $1,200/month pre-tax benefit election, a 7.65% FICA rate, and a $44 per-employee monthly admin fee. Actual results vary by census, payroll, and elections — we'll run your company's real numbers, and any figures should be confirmed with your CPA or benefits counsel before enrolling.
Examples of Companies Using CB Premier Benefits
A look at the range of businesses — from local franchise locations to national brands — that have added CB Premier Benefits for their teams.
Any reference to a recognized brand does not constitute or imply any relationship or affiliation between that brand and Coverage Babe. Client relationships may be limited to one or more franchise owners of the national brands and is not intended to imply the entire brand is utilizing CB Premier Benefits.
A Supplemental Plan, Not a Replacement
CB Premier Benefits is a pre-tax supplemental benefit plan that sits on top of the health coverage you already offer — no matter who your carrier is. It complements, rather than competes with, your existing group plan.
Zero-Cost Care Access
Unlimited primary and urgent care visits at $0 through the First Health network, plus 100% preventive care coverage for the employee.
Everyday Prescriptions
$0 copay on roughly 85% of the most commonly prescribed medications in the CB Premier Benefits formulary, for the employee and their family.
24/7 Personal Health Support
A Direct Primary Care doctor and personal health assistant available around the clock to the employee and their family.
Built to Help Both Sides of the Paycheck
Employers can realize a net savings by offering the plan. Employees get real, usable healthcare with no copay. Nobody has to give anything up.
For Employers & HR Directors
- Potential payroll tax (FICA) savings on each employee's pre-tax benefit election — illustrative example: ~$47.80 net per employee, per month, after the plan's admin fee
- Employers generally realize a net savings, not a net cost, when offering the plan
- Complements — does not compete with — your current group health plan or carrier
- A stronger, more usable benefits package for recruiting and retention
- Full analysis, enrollment, and ongoing support from Coverage Babe
Savings figures are illustrative examples, not guarantees. Your actual numbers depend on payroll, census, and elections — we'll calculate yours during the free analysis.
For Employees & Their Families
- Unlimited primary & urgent care visits, $0 cost via the First Health network Employee
- 100% preventive care coverage Employee
- $0 copay on about 85% of common formulary prescriptions Employee + Family
- 24/7 Direct Primary Care with a personal health assistant Employee + Family
- Mental & behavioral health support Employee + Family
- At-home lab testing Employee and vitals tracking Employee + Family
- Unlimited virtual veterinary consultations Employee + Family
- Potential increase in take-home pay for many enrolled employees
Coverage varies by employee, spouse/partner, and dependent elections — see plan fulfillment documents for full details.
From First Conversation to Enrolled Team
Free Company Analysis
Send us a recent payroll census — ideally a Payroll Register or Payroll Journal showing gross-to-net pay with itemized deductions for your most recent pay period (not year-to-date). We'll run the real numbers for your team, no cost, no commitment.
Custom Proposal
We show you exactly what CB Premier Benefits looks like for your company, including projected savings and employee benefit details.
Simple Enrollment
We handle the setup and employee enrollment alongside your existing health plan — minimal lift for your HR team.
Ongoing Support from Coverage Babe
We stay on as your point of contact for questions, renewals, and adjustments as your team grows.
A Real Team Who Handles the Details
Coverage Babe is run by Sean & Lishele Wigand — not a call center. We work directly with business owners and HR directors to evaluate whether CB Premier Benefits actually makes sense for their team, build out the real numbers, and manage enrollment start to finish. If a plan doesn't fit your company, we'll tell you that too.
We recommend reviewing the final numbers with your CPA or benefits counsel before enrolling — we're happy to hop on that call with you.
What Business Owners Ask Us
Does this replace our current health insurance?
No. CB Premier Benefits is a supplemental benefit that sits on top of your existing group health plan — it complements, rather than replaces, your current carrier.
Is there a cost to the company?
Employers generally realize a net savings, not a net cost, when offering the plan — in one illustrative example, a 100-employee group could see roughly $57,000 per year. Actual results vary; we'll confirm your specific numbers during the free analysis.
How is this structured legally?
CB Premier Benefits operates as a Section 125 cafeteria plan under the IRC. As with any payroll or tax-advantaged benefit, we recommend having your CPA or benefits counsel review the specifics for your company before enrolling.
Is this some kind of tax loophole or "too good to be true" strategy?
We'd rather you see the specifics for yourself than take our word for it. Watch this short breakdown of how the plan is structured for IRS compliance: Is CB Premier Benefits a Tax Trick? A Deep Dive into IRS Compliance. We also recommend having your CPA or benefits counsel review the specifics for your company before enrolling — we're happy to join that conversation.
What do you need from us to get started?
A recent payroll census — typically your most recent Payroll Register or Payroll Journal showing gross-to-net pay with itemized deductions and taxes. We can also send a blank census template if that's easier.
What size companies is this a fit for?
The plan can work for small and mid-sized employers alike. Share your employee count in the form above and we'll tell you honestly whether it's a fit.
See What CB Premier Benefits Could Mean for Your Team
Fill out the form above and we'll follow up with a free, no-obligation analysis of your potential savings and benefit design.
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