Give Your Caregivers Real Health Benefits at Zero Net Cost
Funded by payroll taxes you already pay. Your caregivers get $0 virtual care and free medications, their take-home pay goes up slightly, and your cost doesn't move.
You Already Know The Turnover Problem
What you probably have not seen is the bill. Turnover has no line on a profit and loss statement, so it gets paid without ever getting counted.
What it costs to replace one caregiver. Advertising, screening, paid orientation, overtime covering the gap, and the client who met four different faces in six weeks.
What that comes to across a year at a 40‑caregiver agency, where industry turnover means roughly 30 people leave and have to be replaced.
What the $2.00 an hour raise costs, the one most owners price out once and decide they cannot afford.
You Are Already Spending It
Those last two numbers are under nine thousand dollars apart. The raise gets rejected because it is visible and arrives as one decision. The turnover bill gets paid because it is invisible and arrives in pieces, across six different accounts.
The question was never whether the money exists. It does. The question is whether it is buying you anything, and right now it is buying you the same vacancies you had last year.
Replacement cost estimated at 16% of annual salary for roles under $30,000, per Center for American Progress research, applied to the federal median caregiver wage. Turnover rate from the 2025 Activated Insights benchmarking report. Estimates, not a quote for your agency.
But Here's The Shift
Your caregivers already have payroll taxes coming out of every check. This program redirects part of that money, which is leaving their paycheck either way, into real health benefits instead.
They don't lose take-home pay. You don't add a cost. And you keep your current plan and your broker.
The result: something real to offer when a caregiver is deciding whether to stay, funded by money that was already going out the door.
The Smarter Benefits Strategy (That Costs You Nothing)
A benefits solution that's compliance-backed and easy for caregivers to actually use:
- ✓No changes to your existing group health insurance plan
- ✓$0 net cost to employer or employee
- ✓Payroll tax savings for employers, up to $900 per employee per year
- ✓Higher take-home pay for caregivers
- ✓Fully compliant (IRS Sections 105, 106, 125, 213(d), ACA, HIPAA, ERISA-reviewed)
Benefits For Caregivers And Their Families
This is a real increase in health coverage and take-home pay for the people doing the work, and real ROI for you.
Why ComForCare Owners Choose This
Employers save. Caregivers stay.
Legal Foundation
Structured under IRC Sections 105, 106, 125, and 213(d).
Proven Compliance
Reviewed by top ERISA law and accounting firms.
Top Security
Fully ISO ISMS 27001 & HIPAA compliant.
Built For Part-Time
Works for the mixed full-time and part-time rosters home care actually runs on.
Traditional Insurance Leaves Gaps
High costs and complexity stop caregivers from getting care, while employers overpay for benefits nobody uses.
1 In 3 Employees
skip care because of out-of-pocket costs.
Your Office Drowns
in paperwork and gets stuck managing plans.
Turnover Rises
as caregivers leave for agencies that offer benefits.
How It Works
Effortless for you, rewarding for your caregivers. Start to finish in under 6 weeks.
For Caregivers & Their Families
Peace of mind and anytime access, because health starts at home.
24/7 $0 copay Virtual Primary & Urgent Care
Unlimited, free 24/7 Virtual Counseling
$0 generic medications at pharmacies nationwide
Nationwide dental discounts at over 263,000+ clinics
Discounted labs, imaging, and procedures
Discounted vision care with glasses and contacts
Wellness coaching, nutrition & stress management support
For ComForCare Owners
Recruiting and retention leverage, at zero net cost.
No disruption: existing benefits remain unchanged
Recruit with benefits: advertise something most agencies can't
Hands-off: we handle compliance, enrollment, and communication
24/7 Concierge: help is just a call away
Keep your broker: no awkward changes, no broken relationships
Anytime start: no waiting for open enrollment windows
ACA Compliance: MEC plan included to meet ACA compliance
What Is Turnover Costing You?
Move the sliders to your agency. This shows what you already send out in employer payroll tax, what turnover is costing you at the industry rate, and what a Section 125 wellness plan could redirect into caregiver benefits instead.
Free to use, no signup needed. This is an estimate built on industry averages. Your exact number takes a quick look at a payroll report, and Charley walks you through that part.
Want your exact numbers instead of an estimate? Tell us where to send them and Charley takes it from here.
Directional estimate only. Turnover uses a 75.5% industry rate and a replacement cost of 16% of annual wages. Redirect range assumes 70% of caregivers participate at $300 to $900 each per year. Not every caregiver qualifies. Not a quote.
Got it.
Your estimate is on its way by email. Want the exact numbers instead of an estimate? Pick whichever is easier.
Or do neither and Charley will follow up himself.
What Employers Are Saying
The same program runs in home care, hospice, assisted living, and beyond. Here's what owners in other industries have said about it.
Gigi Garza
Owner
Exceptional support and savings
...questions and concerns with exceptional support. I am immensely satisfied with ACA's services—they have enabled our organization to save hundreds of thousands of dollars annually while providing valuable benefits to our employees....
Garza Management Company, Houston, TX
Ariel Joudai
Owner / CEO
Significant savings, compliance
...organization, presenting substantial benefits, including significant savings and workers' compensation and telehealth benefits... have positioned us ahead of competitors in the market....
Ariel Joudai, CPA
Brandon Zora
Owner/CEO
Premier provider, proven results
...can confidently assert that ACA stands as a premier provider in this domain. Consequently, we are now realizing annual savings exceeding $40,000. Furthermore, the program has been exceedingly well-received by my employees....
Black Tiger Medical Transportation
Joe Taormina
President
Legally sound, financially rewarding
...The ACA Plan is exceptional in its legal compliance and employer protection, and it has allowed me to save hundreds of thousands of dollars annually in FICA taxes and workers' compensation premiums. Additionally, it provides my employees access...
Maaco Collision Repair
Ronald Moore
Owner/CEO
Outstanding results, strong support
...The benefits program has been a game changer for our business. Our employees love the added perks and we have seen significant tax savings since implementing the plan. Highly recommend to any business owner looking to maximize their benefits....
Ronald Moore, CEO
Frequently Asked Questions
Everything you need to know about the Unify Wellness Plan.
Does this replace our group insurance or broker?
No. The Unify Wellness Plan supplements your existing group insurance. You keep your broker, your policies, and your current setup. We simply add tax-saving benefits on top, with no disruption.
How much can employers really save?
Up to $900 per employee, per year. Your actual number depends entirely on your wages, headcount, and filing statuses, which is why we run your real payroll instead of quoting an average. The analysis is free.
Does this work with part-time caregivers?
Yes, and it's one of the main reasons home care agencies use it. Qualification depends on wages, filing status, and pay schedule rather than full-time status. Not every employee will qualify, and the analysis shows you exactly who does.
What do caregivers get out of it?
$0 virtual primary care, urgent care, and behavioral health. $0 generic medications nationwide. Real discounts on dental, vision, labs and imaging. It covers their families too. And their take-home pay goes up slightly rather than down.
Is participation mandatory for employees?
Not at all. Every employee can opt out, 30 days before the plan start date or 30 days after. Most choose to stay because it puts more money in their pockets.
What do you need from us to run the analysis?
Your last two payroll reports. Before you send them, remove employee names, Social Security numbers, home addresses, and any health information. All we need is wage figures, filing status, and pay schedule.
How long does it take to get started?
Under 6 weeks from start to finish, and very little of that is on your end. UnifyWell handles roughly 95% of the work, including enrollment and employee communication.
Is this compliant with IRS regulations?
Yes. It runs on established IRS provisions (Sections 105, 106, 125 and 213(d)) and has been reviewed by ERISA law and accounting firms. It's HIPAA and ISO 27001 compliant, and full documentation comes with it. Many owners have their own CPA review it first, and we encourage that.
The ComForCare Jump Start Project
We're opening this to the first 25 ComForCare agencies to come on board. Those owners get their choice of a reward on top of everything the plan already does.
Resort weekend for two
Resort weekend for two
5-day adventure cruise
First come, first served. There's no expiration date on this. It's a limit of 25 agencies, and when those spots are gone, they're gone. Getting your analysis run is what puts you in line.
Free, no obligation. Takes about a minute.
Find Out What It's Worth To Your Agency
Tell us about your team and you'll have a full analysis back in a day or two. Not an estimate. Your numbers. Free, and no obligation after it.