LessFICA is a paid affiliate of IronGate Business Advisors and earns compensation when clients it refers enroll in an IronGate program.
Full-time vs part-time plans
Each employee's plan depends on their schedule and pay. Here's what each one includes.
Book a 20-minute discovery callI'm an employee20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
Side by side
| Benefit | Full-time plan | Part-time plan |
|---|---|---|
| Who it's for | Averages 30+ hours a week and earns $26,000+ a year | Works 30 hours a week or less and earns $16,000+ a year |
| Household | Employee + up to 7 household members | Employee + up to 7 household members |
| Virtual urgent care | Unlimited, $0 copay, 24/7/365 | 5 visits per member per year, $0 copay, 24/7/365 |
| Virtual primary care | Unlimited, $0 copay | 5 visits per member per year, $0 copay |
| Mental health counseling | Any topic, up to 4 sessions per topic, 24/7 | Not listed in the part-time plan |
| Generic prescriptions | 4,600+ generics at no cost, home delivery or pharmacy pickup, 12 free shipments a year | About 700 acute-care medications at a $0 copay, up to 15 per person per year, pickup at 65,000+ pharmacies |
| Brand-name and specialty | Free prescription discount card | Free prescription discount card |
| Lab work | Free Quest blood panel (CBC and CMP) after 90 days | 30–70% off lab tests, with results in 3–5 days |
| Coaching and support | Weight health and nutritional coaching, smoking cessation, EAP services, financial and legal guidance | Care consultants for everyday health needs |
| Vitals tracking | LifeVitals | LifeVitals |
| Perks and discounts | Hearing, vision and dental, gym and fitness, lifestyle and entertainment | Doctegrity Perks and lifestyle discounts |
| Minimum Essential Coverage (employee only) | Included: $0-copay in-person preventive primary care visits, extra prescriptions and hospital bill advocacy | Included for enrolled employees |
Details about Minimum Essential Coverage are explained by a licensed IronGate professional. Final eligibility and plan details are confirmed during the employer's setup.
Which plan applies?
Full-time plan
Most hours, most benefits
For employees who average 30 or more hours a week and earn at least $26,000 a year. It has unlimited virtual care, mental health counseling, the 4,600+ generic list and the widest set of wellness extras.
See virtual care →Part-time plan
Core care for shorter schedules
For employees who work 30 hours a week or less and earn at least $16,000 a year. It covers virtual visits, $0 acute-care medications, lab discounts and everyday perks for the whole household.
See prescriptions →Good to know
Who decides which plan an employee gets?
The employer enrolls employees, and eligibility is based on hours and pay. A licensed IronGate professional confirms the details during setup.
Do both plans cover household members?
Yes. Both plans include the employee plus up to 7 household members, and they don't need to be legal dependents. MEC covers the employee only.
Is either plan a replacement for health insurance?
No. Both plans work alongside existing coverage, and no existing insurance is required.
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 employeesMore benefits
- ← All benefitsBack to the benefits overview.
- 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.
- Getting startedWho can join, household members and how access works.
*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.