LessFICA is a paid affiliate of IronGate Business Advisors and earns compensation when clients it refers enroll in an IronGate program.
The benefits your team actually gets
24/7 virtual doctor visits, mental health counseling, $0 generic prescriptions, lab work and everyday wellness perks, for each eligible employee and up to 7 people in their household. No out-of-pocket fees or costs.
Book a 20-minute discovery callI'm an employee20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
24/7/365
Virtual care by phone or video, in English or Spanish
$0
Copay for virtual visits and covered generic medications
4,600+
Generic medications at no cost on the full-time plan
Up to 8
People per household: the employee plus up to 7 more
What's included
Care when you need it
Virtual care
Urgent care
Unlimited 24/7 virtual visits for non-emergencies, with rapid, same-day appointments.
Learn more →Virtual care
Primary care
Unlimited virtual visits for ongoing care and prevention, with the option to see the same providers over time.
Learn more →Virtual care
Mental health counseling
Talk with a licensed counselor about any topic, up to 4 sessions per topic, any time of day.
Learn more →Medications
Pharmacy
$0 generic prescriptions
4,600+ common generic medications at no cost, by home delivery or local pharmacy pickup, with 12 free shipments a year.
Learn more →Pharmacy
Brand-name and specialty savings
A free prescription discount card for medications outside the $0 list.
Learn more →Pharmacy
Part-time pharmacy access
About 700 acute-care medications at a $0 copay, picked up at 65,000+ pharmacies.
Learn more →Everyday wellness
Wellness
Lab work
A free Quest blood panel (CBC and CMP) after 90 days on the full-time plan.
Learn more →Wellness
Coaching and support
Weight and nutrition coaching, smoking cessation, EAP services, and financial and legal guidance.
Learn more →Perks
Discounts and extras
Savings on hearing, vision and dental, gym and fitness, and lifestyle and entertainment, plus vitals tracking from a selfie.
Learn more →Plus, for the enrolled employee
Enrolled employees also get Minimum Essential Coverage (MEC). On the full-time plan, it includes $0-copay in-person preventive primary care visits, extra prescriptions beyond the standard list, and hospital bill advocacy. MEC covers the employee only, not household members. A licensed IronGate professional explains these details.
Two plans, matched to each schedule
Full-time plan
30+ hours a week and $26,000+ a year
- Unlimited virtual urgent and primary care
- Mental health counseling
- 4,600+ generic medications at no cost
- Free Quest lab panel, coaching and perks
- MEC for the enrolled employee
Part-time plan
30 hours a week or less and $16,000+ a year
- 5 virtual primary care and 5 virtual urgent care visits per member per year
- About 700 acute-care medications at a $0 copay
- Lab discounts, vitals tracking and care consultants
- Perks and lifestyle discounts
- MEC for enrolled employees
How it works, in one sentence
The employer sets up the program, and a pre-tax payroll structure creates payroll tax savings that cover the program fees, so eligible employees get these benefits with no out-of-pocket costs and no change to their take-home pay.
From sign-up to first visit
The employer enrolls
Businesses with 20+ W-2 employees can set up the program, in all 50 states. Most employees are enrolled automatically by their employer.
Logins arrive
Employees typically receive login details 2–3 weeks after the employer's plan goes live.
Start using care
Use the app, the online platform or the phone right away. No insurance card is needed for virtual visits.
Explore the benefits
- Virtual care & mental health24/7 doctor visits and counseling by phone or video.
- PrescriptionsThousands of generic medications at a $0 copay.
- Wellness, labs & perksLab work, coaching, vitals tracking and everyday discounts.
- Full-time vs part-time plansWhat each plan includes, side by side.
- Getting startedWho can join, household members and how access works.
Want these benefits for your team?
Business owners and managers
See whether your business qualifies (20+ W-2 employees) and what your employees would get. The program has fees, but they are covered by the payroll tax savings for employees and the employer, so there are no out-of-pocket fees or costs.
Book a 20-minute discovery callSee employer details20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
Employees
The program is set up by employers, so employees can't sign up on their own. Share LessFICA with your employer, or see what the program means for you.
For employees*Not all benefits are guaranteed. Benefits vary by program and are disclosed during your consultation.
*The individual sharing this information is a referral partner and is not licensed to sell insurance or provide program guidance. All questions and enrollments related to the preventive care benefit plans will be handled exclusively by a licensed IronGate professional.
*Benefit availability and tax treatment are subject to employee eligibility, participation status, and applicable federal regulations. Not all employees will qualify for all benefits described. Benefits, contribution amounts, and coverage features may vary based on payroll structure, employment classification, hours worked, and plan administration. This material is for informational purposes only and does not constitute legal, tax, or accounting advice.
Product availability and features may vary by state.