LessFICA is a paid affiliate of IronGate Business Advisors and earns compensation when clients it refers enroll in an IronGate program.
Could your job come with 24/7 care and $0 generics?
Unlimited virtual urgent and primary care, mental health counseling and 4,600+ generic medications at no cost for eligible full-time employees. Your employer sets it up through payroll, and we'll help you ask.
What eligible employees get
Full-time
- 24/7 virtual urgent and primary care
- mental health counseling
- 4,600+ generic meds at no cost
- in-person primary care at $0 copay
- lab panel after 90 days
- hospital bill advocacy
- household access
Part-time
- 5 virtual primary and 5 virtual urgent care visits a year at $0 copay
- acute Rx formulary
- discount card
- household access
*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.
Quick check: is your workplace a fit?
- I'm a W-2 employee (not a 1099 contractor)
- My employer has about 20 or more W-2 employees
- I work 30+ hours a week on average and earn at least $26,000 a year (full-time), or I work 30 hours or less and earn at least $16,000 (part-time)
- I'm not currently enrolled in Medicaid
Final eligibility is decided by the program's advisors during the eligibility review.
How it works for you
You ask.
Send your owner or HR our short note (or this page).
They book a 20-minute call
with a licensed program advisor.
If your company moves forward,
you're enrolled through a guided digital onboarding and a short Q&A town hall.
We never contact your employer for you, and we don't ask for your coworkers' details.
Get the ask-your-employer kit
We'll show you a ready-to-send note and a one-page summary for your employer.
Please don't enter your employer's contact details, coworkers' information, or any health information.
Frequently asked questions
Does it cost me anything?
Not out of pocket. There are program fees, but they're covered by the employee and employer payroll tax savings, so there are no out-of-pocket costs to you or your employer.
Can I keep my current insurance?
Yes. It doesn't replace existing health plans.
Can I sign up on my own?
No. Employees can't sign up on their own. Your employer enrolls in the program (employers need at least 20 W-2 employees), then offers the benefits to its active employees who earn at least $26,000 a year.