LessFICA is a paid affiliate of IronGate Business Advisors and earns compensation when clients it refers enroll in an IronGate program.
$0 generic prescriptions
Thousands of common generic medications at no cost, delivered to the door or picked up at a local pharmacy.
Book a 20-minute discovery callI'm an employee20-minute call with a licensed program advisor from IronGate Business Advisors. No obligation.
What's included
Full-time plan
Generic medications at $0
- 4,600+ common generic medications at no cost when prescribed through the platform
- Home delivery or local pharmacy pickup
- 12 free shipments a year
- Maintenance medications delivered in 90-day supplies
Both plans
Brand-name and specialty savings
- A free prescription discount card
- For brand-name and specialty medications that aren't on the $0 list
Part-time plan
Acute-care medications
- About 700 acute-care medications at a $0 copay
- Up to 15 prescriptions per person per year
- Picked up in person at 65,000+ pharmacies
Extra for the enrolled full-time employee
The employee's Minimum Essential Coverage (MEC) adds access to more prescriptions beyond the standard list. MEC covers the employee only. A licensed IronGate professional explains the details.
How employees use it
Get the prescription
Covered generic medications are prescribed at a $0 copay.
Delivery or pickup
Ongoing medications can ship to the door; urgent ones can be picked up at a local pharmacy.
Good to know
Is a specific medication covered?
Medication lists are set by the program. Ask for the current list on the discovery call, or ask a licensed IronGate professional.
What about brand-name drugs?
The free discount card helps with brand-name and specialty medications that aren't on the $0 list.
Are claim forms or reimbursements needed?
No. Care and medications are accessed directly, with nothing to file for reimbursement.
Do employees pay anything?
There's no copay for covered generics. 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.
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.
- 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.
*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.