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How It Works | Obviously Us — Wellness Plan + Real Healthcare + Voluntary Benefits
The Three-Part System

Three pieces that work together.

Each one stands on its own. Together, they change how your business and your people experience benefits — entirely.

Payroll Savings

This is money you're already spending. The plan changes how it moves through payroll, so you and your people can keep more of it.

↓ Built on Section 125 rules

How It Works

A SIMRP is a wellness plan set up through a Section 125 plan. Part of each employee's pay goes in pre-tax. That can lower their taxable pay, which can lower payroll taxes for them and for you.

No raise needed. No new budget needed. Your exact numbers depend on your payroll, and we always tell owners to have their own tax advisor look it over.

  • Employees can take home more without a raise
  • The business can save on payroll taxes for each employee who enrolls
  • Plan amounts set by independent actuaries
  • Works alongside your existing major medical insurance
  • Run by a licensed third-party administrator (TPA) that keeps the records

Real Healthcare Access

Forget the card. Your employees get actual access — before the problem gets expensive.

$0 copay for employees

What's Included

A Health Screening Indemnity Plan that pays benefits directly when employees use preventive and wellness services — funding real healthcare access at little to no out-of-pocket cost. It works alongside existing insurance, not instead of it.

  • 24/7 virtual primary care — no wait, no co-pay
  • 1,100+ common medications at a $0 copay
  • Mental health access — no waiting weeks for an appointment
  • 24/7 virtual vet care for the family pet
  • Preventive care that catches problems before they become ER visits

When care is this easy to access, people use it earlier. Earlier means smaller problems, smaller claims, and a healthier team.

Voluntary Benefits

The right options — selected for your people, not pulled from a standard catalog.

Picked for your people

Built Around Your Workforce

Once the first two pieces are in place, we layer in voluntary benefits selected based on your workforce profile. These aren't pushed on your employees — they're available when life happens.

  • Life insurance
  • Accident coverage
  • Critical illness
  • Short-term disability
  • In many cases, the plan's payroll savings can help cover the cost

When someone on your team faces a serious diagnosis or unexpected injury, this is the piece they remember. And it's the piece that makes them stay.

Side-by-Side Comparison

The old way vs. the Obviously Us way.

The Old Way

Pick a Plan. Hand Out a Card. Hope for the Best.

  • Employees skip prescriptions due to cost
  • ER visits instead of early prevention
  • Mental health ignored until it's a crisis
  • Standard voluntary options nobody uses
  • Annual enrollment, then silence
  • Benefits cost you but don't retain people
The Obviously Us Way

Real Access + Meaningful Coverage

  • 1,100+ medications at a $0 copay
  • 24/7 virtual care before problems escalate
  • Mental health access without the long wait
  • Voluntary options selected for your workforce
  • Ongoing administration handled for you
  • Benefits your people actually notice — and remember
The Process

Plain and simple. Here's exactly what happens.

No surprises. No jargon. Just a clear path from where you are to where you want to be.

1

19-Minute Zoom

No pitch deck. No pressure. We find out if this is a fit for your situation — and you'll know by the end of the call.

2

We Run the Numbers

Real savings based on your exact employee count and payroll. You see your actual numbers before you commit to anything.

3

We Handle the Setup

We design the program, coordinate with your payroll and HR, and manage administration. You don't become a benefits expert — that's our job.

4

Your Team Gets Access

Employees are enrolled and onboarded. They get virtual care, pharmacy benefits, and voluntary options. Most say they wish they'd had this sooner.

Is This Right for You?

The sweet spot is exactly where most of our clients live.

If you check most of these boxes, there's a very good chance this makes sense for your business.

  • 10–500 W-2 employees
  • Owner who's actively involved in the business
  • You care about your people's wellbeing — not just their output
  • Open to doing things differently than the industry default
  • Currently paying for benefits that don't generate enough value
Find Out in 19 Minutes
"If you have employees and you're an owner who gives a damn — we should talk."
— Obviously Us
1,100+ medications at a $0 copay
$0 copay for virtual care
Real people. Real results.

What this looks like in real life.

6-location restaurant group

For years, he wanted to give his people real benefits. The numbers never worked.

With the wellness plan, his team finally got a doctor they can call any time and $0 copay prescriptions. And the business came out ahead. He put that toward bonuses for his people.

Verona, WI

An employee thought he had a sinus infection. His doctor couldn't see him for a month. He called the virtual doctor, talked to someone right away, and had a prescription at the Walmart down the road in 5 minutes. $0 copay.

Libertyville, IL

A mom's son got hit in the head at an away baseball game. She didn't know where to go. One call, and they sent her to the closest in-network urgent care instead of the ER. Smaller bill. Less panic.

Client names kept private. Results depend on your business and your people.

About Obviously Us

I build benefit plans the same way I once built kitchens.

I'll be honest — when I was first offered a position in insurance, I walked away. It took a few unexpected turns before I gave it a real shot, and it turned out to be the best thing that happened to my career.

I grew up as a carpenter. I built kitchens, libraries, homes — places where people felt safe and comfortable. Benefits consulting isn't all that different. Same idea, different materials.

Since 2017, I've spent every year helping business owners take better care of their people without making it complicated. My team handles the heavy lifting — the setup, the administration, the details. Most clients are surprised by how little disruption there is.

Let's Have a Conversation
About Obviously Us

Based in Chicagoland — serving employers nationwide since 2017

Common Questions

Everything you need to know before we talk.

These are the questions we hear most. If yours isn't here, the 19-minute call is the right place to ask it.

Still have questions? Book a 19-minute Zoom. No forms, no commitment, no pressure — just straight answers about whether this fits your situation.

Book My 19-Minute Call
It depends on how many people you have and how your payroll is set up. That's why we run your numbers before you decide anything. Independent actuaries set the plan amounts, and a licensed TPA runs the plan. You'll see your own numbers on the first 19-minute call, and your tax advisor should review them too.
No. Our program works alongside your existing health insurance — not instead of it. The Health Screening Indemnity Plan is a supplemental preventive care program. Your employees keep their major medical coverage and gain additional access on top of it.
When it's set up and run the right way, the program works within the rules of IRC Section 105 and Section 125. Independent actuaries set the plan amounts. A licensed third-party administrator handles claims, records, and plan paperwork. Every business is different, so we always tell owners to have their own tax advisor review it.
The sweet spot is 10 to 500 W-2 employees, with an owner who's actively involved. We'll tell you in the first 19 minutes whether it makes sense for your specific situation — if it doesn't fit, we'll say so.
Much less than most clients expect. The process begins with an employee census, which lets us build the program without interrupting your normal operations. The TPA handles the back-end compliance and record-keeping. Most business owners are surprised by how smooth the process is.
Book a 19-minute Zoom. That's it. No forms, no commitments, no sales pressure. We find out if this is a fit, run your numbers, and walk you through everything from there. If it's not right for your situation — we'll tell you that too.
Ready to See Your Numbers?

19 minutes.
Real numbers.
No obligation.

We run your numbers, show you what a properly set up plan looks like for your team, and answer every question you have. If it's not a fit, we'll tell you that too.

  • Your own savings estimate, based on your payroll
  • A clear picture of what employees would gain
  • Straight answers on whether this fits your situation
  • No pitch deck, no pressure, no follow-up unless you want one
Book My 19-Minute Call →

No forms  ·  No commitment  ·  No obligation

Obviously Us is an independent insurance agency. The programs described here are offered through licensed carriers and run by a licensed third-party administrator. Indemnity plans are not major medical insurance and do not replace it. Savings depend on your payroll, your plan design and how many employees enroll. Nothing on this page is tax or legal advice. Please talk with your own tax advisor about your situation. Questions? Call (331) 262-5508 or email [email protected].

For owners who treat their people like family.

National Producer Number: 18604165

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