Does this replace my health insurance?

No. Quantum 125 is supplemental coverage that sits beside your employer’s medical plan. It is not major medical insurance; benefits vary by plan and state, and the plan documents control.

Will my paycheck go down?

The plan is designed so enrolled employees take home more, not less: about $85.48 a month on a $50,000 salary in the program’s design. Your own figure depends on your pay and the plan tier; the enrollment team shows it to you before the plan starts.

Do I have to sign up?

No. Every eligible employee starts enrolled and gets written notice of the plan and the payroll deduction before it starts. You can choose to opt out. Quantum 125 employers typically see 86–92% participation.

Can my family use it?

Telemedicine covers the employee and family. Other benefits follow the policy’s terms; the plan documents list who is covered for each benefit.

How do I use the benefits?

Through the mobile app and the member services team: telemedicine visits by phone or video, prescriptions at $0 copay on covered medications, and claims for hospital, ER, ambulance, surgery, critical illness and accident benefits.

What is the monthly wellness activity?

One short activity a month in the app. The plan is designed around it, so the enrollment team will show you where to find it.

The premium comes out of pay before tax under a Section 125 plan. How the plan’s payments show on your pay stub and W-2 follows the plan documents and the payroll instructions, which your employer’s CPA reviews. Longtable Benefits does not give tax advice.

For employees · Quantum 125

Benefits you use from day one. More in your paycheck.

Your employer’s Section 125 plan adds supplemental health benefits beside your medical plan. The premium comes out of pay before tax, so the plan is designed to leave more in your take-home, not less.

Not major medical insurance; benefits vary by plan and state; see plan documents.

a month in take-home, by design, on a $50,000 salary: +$85.48
a year, by design, on the same salary: +$1,025.76
copay for telemedicine, for you and your family: $0
covered medications at $0 copay: 1,000+

Program design as of November 2026: Quantum Health Benefits’ Plan 1500 illustration, a $50,000 salary, every eligible employee enrolled. This is how the program is designed to work, not a guarantee or a quote. Your own payroll analysis sets your figures, and your CPA reviews how the plan’s payments are taxed before you sign.

What do employees get from Quantum 125?

Supplemental health benefits from the day the plan starts: telemedicine at $0 copay for the family, $0 copay on 1,000+ covered medications, hospital, ER, ambulance, surgery and anesthesia, critical illness and accident benefits, plus a virtual vet and coaching. The premium comes out of pay before tax, and the plan is designed so take-home rises. It is not major medical insurance.

What you get

Everyday care at $0, and cash benefits when something goes wrong.

Plan 1500, quoted from Quantum Health Benefits’ plan grid. Benefits vary by plan tier and are subject to the policy’s terms, limits and waiting periods.

Telemedicine: 24/7 doctor visits by phone or video, $0 copay, for the employee and family
Prescriptions: $0 copay on 1,000+ covered medications
Mental health: Behavioral health sessions by phone or video
Hospital stay: $1,000 on the first day of an admission, then $500 a day, up to 20 days a month
Emergency room: $300 a day, up to 4 days a year
Ambulance: $300 a day, up to 2 days a year
Surgery and anesthesia: $1,000 inpatient surgery benefit and $400 anesthesia benefit
Critical illness: A $2,500 lump sum on a covered diagnosis, such as a heart attack or cancer
Accident: Up to $1,000 a benefit year, inpatient or outpatient
Everyday extras: 24/7 virtual vet (4 visits a year), personal coaching sessions, and a wellness app with one short activity a month

Not major medical insurance; benefits vary by plan and state; see plan documents.

Your paycheck

Same gross pay. More of it reaches you.

The premium for the plan comes out of your pay before federal and FICA taxes are figured, so less of your pay is taxed. The plan’s benefits come back to you. In the program’s design, that leaves about $85.48 more a month on a $50,000 salary. Lower pay means a smaller gain; the enrollment team shows your own figure before the plan starts.

What stays the same

Your medical plan, doctors and deductible.
Your gross pay.
Any other benefits your employer offers today.

Enrollment

You start enrolled. You can choose to opt out.

Every eligible employee starts in the plan and gets written notice of the plan and the payroll deduction before it starts. If you would rather not take part, you can opt out; the enrollment team explains how and when. Quantum 125 employers typically see 86–92% participation.

How you use it

Download the app and sign in with your enrollment details.
Book a telemedicine visit by phone or video, any time.
Fill covered prescriptions at $0 copay.
File a claim for a hospital stay, ER visit, accident or covered diagnosis through the app or member services.
Do one short wellness activity a month in the app.

Straight answers

Employee questions, answered.

Does this replace my health insurance?: No. Quantum 125 is supplemental coverage that sits beside your employer’s medical plan. It is not major medical insurance; benefits vary by plan and state, and the plan documents control.
Will my paycheck go down?: The plan is designed so enrolled employees take home more, not less: about $85.48 a month on a $50,000 salary in the program’s design. Your own figure depends on your pay and the plan tier; the enrollment team shows it to you before the plan starts.
Do I have to sign up?: No. Every eligible employee starts enrolled and gets written notice of the plan and the payroll deduction before it starts. You can choose to opt out. Quantum 125 employers typically see 86–92% participation.
Can my family use it?: Telemedicine covers the employee and family. Other benefits follow the policy’s terms; the plan documents list who is covered for each benefit.
How do I use the benefits?: Through the mobile app and the member services team: telemedicine visits by phone or video, prescriptions at $0 copay on covered medications, and claims for hospital, ER, ambulance, surgery, critical illness and accident benefits.
What is the monthly wellness activity?: One short activity a month in the app. The plan is designed around it, so the enrollment team will show you where to find it.
How is it taxed?: The premium comes out of pay before tax under a Section 125 plan. How the plan’s payments show on your pay stub and W-2 follows the plan documents and the payroll instructions, which your employer’s CPA reviews. Longtable Benefits does not give tax advice.

Schedule a Meeting

Want this at your company?

Send this page to your owner or HR lead, or book thirty minutes with us.

Or call 248.742.0065Mon – Fri: 9:00 AM – 5:00 PM

This information is for general educational purposes only and is not tax, legal, or investment advice. Longtable Benefits does not provide tax or legal advice. Results depend on your individual circumstances and on tax law, which is subject to change. Consult your own qualified tax advisor or attorney before acting.