The Newly Enhanced 360 Advantage Program

Employer Savings Are Nice.
Healthier Employees Are Your Advantage.

Most small to mid-sized businesses believe world-class employee wellness is out of reach for their employees. The 360 Advantage program changes that — connecting a formal medical benefit plan with personal, phone-based health activation through a no employer-paid platform fee structure.

Get Your Free Consultation → See how it works
What your employees receive
📱
ReflectYou 360 Bioscan
30-sec phone scan — FDA-cleared personal health signals
🧬
Digital therapeutics & personalized health journey
Adaptive learning & daily engagement, 24/7
🛡️
MassMutual Whole Life Policy
Up to $150,000 — guaranteed-issue policy
💰
Employer FICA tax savings
$1,230 per employee, per year
The Problem

The Empty Chair Problem.

The hidden workforce cost employers can't see on a claims report.

Small to mid-size companies are dealing with the same four challenges — and they're costing you more than you think:

Burnout
Overwhelmed employees, rising stress, declining productivity.
Rising Healthcare Costs
Premiums climb every year with no relief in sight.
Absenteeism & Presenteeism
Sick days and distracted workers cost more than you think.
Retention Pressure
Competing for talent against companies with bigger benefit budgets.

You should be able to address all four issues by supporting employees physically, mentally, emotionally, and financially — giving you a competitive edge without the enterprise price tag.

"That's why optimal employee health isn't a benefit — it's a business strategy."

The Guide

We Found a Program That
Actually Delivers.

Edge Beneficial exists to bring enterprise-grade supplemental health benefits to small and mid-size businesses. As an authorized sales agency for Honor One Healthcare Ventures, we connect you with the newly enhanced 360 Advantage program — a bolt-on solution trusted by thousands of employees since 2017, designed to align with applicable IRS and ACA guidelines.

Learn more at H1HCV.com →
Trusted by organizations including
Healthcare partners: Humana, Abbott, American Heart Association Fortune 500 partners: Novartis, Colgate University partners: Stanford, University of Maryland
Insurance partner: MassMutual
11
Years operating experience
3,500+
Employer groups served
2.5M+
Employees served
$280M+
Healthcare costs reduced
Real Results

Employers Savings Are Nice.
See What They Look Like in Practice.

360 Advantage has delivered measurable results across industries — from trucking to healthcare to local government.

Trucking Industry · 2,000 Employees
$884,000 in Annual Savings While Expanding Benefits by 150%
71%
Employee enrollment
The Challenge

A 2,000-employee trucking firm battling high turnover and chronic health conditions affecting driver productivity and attendance — needing to improve benefits without adding cost.

The Solution

Deployed 360 Advantage with an opt-out enrollment structure, adding supplemental insurance benefits that enhanced the existing package without replacing it.

Year-1 Results

71% of eligible employees enrolled — far exceeding typical voluntary benefit enrollment of 20%. Generated $884,000 in annual projected savings to the company's bottom line.

"360 Advantage has been a very vital asset to our family of benefits. The added benefits with no true impact to their income has been a huge asset. We would implement this program again in a heartbeat!"

— HR/Benefits Manager, Trucking Client
The 360 Advantage Program

Everything Your Team Needs.
Nothing Out of Your Pocket.

A fully managed, bolt-on supplemental health plan that does not replace your existing health benefits — it enhances them. 360 Advantage connects a formal medical benefit plan with personal, phone-based health activation in one coordinated experience.

New Feature
📱

ReflectYou 360

A scan. A signal. A next step. A private, contactless phone-based scan that analyzes subtle blood-flow signals to provide informational health and risk-awareness insights — then connects employees to a guided next step and ongoing personalized digital care support. Informational only; not diagnostic.

For Employees
🧬

Personalized Health Journey

Timely guidance, helpful resources, and simple actions help employees build healthier habits over time through adaptive learning and daily engagement — moving from awareness to lasting action.

Life Insurance
🛡️

MassMutual Whole Life Policy

Every enrolled employee receives a guaranteed-issue MassMutual whole life insurance policy up to $150,000. No medical exams, no underwriting hurdles.

For Employers
💼

Payroll-Tax Savings That Scale

A pre-tax benefit structure reduces your FICA tax burden, putting $1,230 per enrolled employee back into your business every year — with zero out-of-pocket cost. Savings grow as participation grows.

ReflectYou 360 — How It Works

A Scan. A Signal. A Next Step.

In under 60 seconds, employees use their smartphone camera to complete a private health scan. The result: personalized health awareness insights and a guided path to ongoing digital support — no lab visit, no paperwork.

Informational only; not diagnostic.

ReflectYou 360 Bioscan — A Scan, A Signal, A Next Step infographic
🏛️
10+ Years of Compliance-Focused Design

Built for Compliance. Designed for Confidence.

360 Advantage has been designed to align with applicable IRS and ACA guidelines for over a decade, trusted by thousands of employees nationwide. The program includes robust compliance architecture — two clearly defined governing plan documents, structured claims review, and a diligence packet for your legal and tax advisors. Compliance is built in, not bolted on.

10+
Years compliant
How It Works

Three Steps to a Healthier, More
Profitable Business

We handle the complexity. You get the results.

1

Book a Free Consultation

We learn about your business, your team size, and your current benefits. No pressure, no pitch — just a straightforward conversation about what's possible.

2

We Build Your Custom Plan

Our team prepares a tailored 360 Advantage proposal showing your exact employer savings, employee benefits, and implementation timeline.

3

Your Team Starts Winning

Enrollment is seamless, administration is handled, and your employees immediately access world-class wellness — while you start saving.

Savings Calculator

See Exactly What
Your Business Could Save.

Enter your employee count below to get an instant estimate of your projected annual FICA tax savings with 360 Advantage.

* Based on $1,230 projected annual employer FICA savings per enrolled employee. Illustrative only — actual results vary by eligibility, participation, plan design, and tax treatment. Not a guarantee.

3050500
Estimated Annual Employer Savings
$61,500
per year in FICA tax reduction
$5,125
Per month employer savings
Get My Full Savings Analysis →

With 360 Advantage

  • Robust compliance architecture with two clearly defined governing plan documents
  • 10+ years of proven IRS and ACA compliance
  • Bolt-on solution — does not replace or disrupt your existing health benefits
  • $1,230/year employer FICA tax savings per enrolled employee
  • Guaranteed issue MassMutual whole life policy up to $150K
  • 24/7 virtual primary care access — no app required
  • AI-personalized preventive care for every employee
  • Reduced absenteeism and presenteeism
  • Better talent attraction and employee retention
  • Zero net cost — all premiums covered by payroll tax savings
  • Fully managed enrollment and plan administration

Without It

  • Watching good employees leave for better benefits elsewhere
  • Paying full FICA taxes when legal savings are available
  • Employees with no life insurance protection for their families
  • Rising healthcare expenses with no relief in sight
  • Reactive healthcare instead of preventive care
  • Disengaged teams and declining productivity
  • Competing for talent at a permanent disadvantage

Quick Eligibility Check

  • Minimum 30 enrolled full-time W-2 employees
  • Employees earning $35,000+ annually, paying FICA
  • Enrolled in company-sponsored or qualifying health insurance
  • Workforce with annual turnover of 30% or less
For Your Employees

Keep Your Employees
Healthy and Wealthy.

360 Advantage isn't just good for your bottom line — it's a genuine gift to your workforce. Here's what every enrolled employee receives.

📱

Personal Health Bioscan

A 30-second phone-based scan delivers FDA-cleared wellness signals and a personalized next step — right from the phone they already carry. No portals, no complexity.

🧬

Personalized Health Journey

Clinically vetted digital therapeutics help employees boost their health, sleep better, and manage mental health — with adaptive guidance tailored to each person's unique profile.

🛡️

Whole Life Insurance

Every enrolled employee receives a guaranteed-issue MassMutual whole life insurance policy up to $150,000. No medical exams, no underwriting.

Take the First Step

Find Out Exactly How Much
Your Business Can Save.

Schedule a free, no-obligation consultation with Edge Beneficial. We'll walk you through a custom savings analysis for your business in 30 minutes.

Free savings analysis — know your exact numbers
No commitment required
Response within 1 business day
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Contact Greg directly greg@edgebeneficial.com 336-906-1132

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