How It Works.
How Fast It Starts.
How It Compares.

The implementation timeline for Quantum Health Benefits through Save.Build.Protect. is typically two to four weeks from initial consultation to active enrollment. Here is the general sequence:

Week one: Employer consultation with Susan Bond, review of workforce composition, completion of the employer agreement. Week two: Employee enrollment — Quantum handles all enrollment paperwork and communication directly with employees. Weeks three and four: Payroll integration — Quantum's team coordinates with your payroll provider to activate the Section 125 pre-tax deduction structure.

FICA savings begin with the first payroll cycle after integration is complete. There are no upfront costs, no complex underwriting, and no waiting periods for most benefit categories. Start the process today: 801-421-6933 →

Traditional group health insurance and Save.Build.Protect.'s Quantum Health Benefits serve different purposes and have very different cost structures.

Traditional group health insurance is comprehensive major medical coverage — it covers hospitalizations, surgeries, specialist visits, and preventive care, but it costs employers $400 to $700 or more per employee per month in premiums, plus administrative overhead.

Quantum Health Benefits is a fully-insured supplemental health plan — it covers telemedicine, prescription drugs, hospital indemnity, critical illness, accident coverage, surgical benefits, ER visits, and veterinary care, and it costs the employer nothing because FICA savings fund the entire benefit. These two plans are not mutually exclusive. Quantum can complement an existing major medical plan by closing coverage gaps — or serve as a meaningful first step at zero cost for employers currently offering nothing. Discuss your specific situation: 801-421-6933 →

The employer's role in implementing Save.Build.Protect.'s Quantum Health Benefits is minimal. Here is what is required:

First, an initial consultation with Susan Bond at Save.Build.Protect. to review your workforce size, payroll structure, and benefit goals. Second, completion of a standard employer agreement — typically a single document. Third, a brief coordination call with your payroll provider to enable the Section 125 pre-tax deduction in your payroll system.

From that point, Quantum Health Benefits handles all employee enrollment communication, benefits education, carrier coordination, claims support, and ongoing compliance. The employer does not manage the benefit program after enrollment — Quantum's team handles everything. Begin enrollment — SaveBuildProtect.com/enroll →

Yes — to operate a Section 125 cafeteria plan, employers are required to have a written plan document that meets IRS requirements. This document establishes the terms of the plan, the eligible benefits, the election procedures, and the plan year.

Save.Build.Protect. and Quantum Health Benefits include plan document preparation and maintenance as part of the implementation process — employers do not need to source or draft this document themselves. Annual nondiscrimination testing is also required for Section 125 plans to ensure the plan does not disproportionately favor highly compensated employees. Quantum's compliance team manages this process. Employers do not pay extra for compliance support — it is included in the zero-cost model. Compliance questions? Call 801-421-6933 →

Yes — Quantum Health Benefits is designed to complement, not replace, existing major medical coverage. For employers who already offer a group health plan, Quantum adds a supplemental layer that closes common gaps: telemedicine access when employees avoid using major medical for convenience visits, $0 prescription drug coverage, hospital indemnity for out-of-pocket hospitalization costs, and critical illness or accident benefits that provide cash payments when major medical deductibles are high.

Adding Quantum alongside an existing group plan typically increases the total value of the benefits package significantly while costing the employer nothing — because the FICA savings from the Section 125 structure fund Quantum's premiums. Many Utah employers discover that adding Quantum to their existing plan package actually reduces their net benefit cost through FICA savings. Run the numbers for your situation: 801-421-6933 →