For HR · Quantum 125
Better benefits for your people. Nothing new for HR to run.
Quantum 125 adds supplemental health benefits beside your medical plan. Quantum Health Benefits runs enrollment, employee questions, billing and claims. HR sends one payroll report, attends one kickoff call and keeps its week.
What does HR do in a Quantum 125 rollout?
Send one payroll report, attend one kickoff call, send the employee notice QHB prepares, and add new hires on the usual schedule. QHB's team runs enrollment, opt-outs, employee questions, billing, claims and per-payroll reports. The medical plan, broker and renewal stay as they are.
HR’s part
What lands on HR’s desk, and what does not.
- Before you sign
- Send one recent payroll report through a secure link. Read the proposal with the owner or CFO. Your CPA reviews the plan document and the payroll instructions.
- Kickoff
- One call with Quantum Health Benefits’ implementation team: payroll provider, pay frequency, eligibility rules, start date.
- Employee notice
- QHB prepares the written notice of the plan and the payroll deduction; you send it on your normal channel.
- Enrollment
- QHB’s enrollment team explains the plan to employees and handles opt-outs. Every eligible employee starts enrolled.
- Every pay period
- The deduction runs through your payroll. QHB sends payroll and analytics reports.
- New hires
- Add them on your usual schedule; QHB adds them to the plan.
What Quantum runs
The work a new benefit usually adds, handled.
Every eligible employee starts enrolled, so there is no sign-up campaign to run. Quantum 125 employers typically see 86–92% participation.
- Plan setup, enrollment materials and the employee notice.
- Employee questions, billing questions and claims.
- Payroll and analytics reports every pay period.
- Software that connects with the major payroll systems.
- A mobile app where employees reach every benefit.
The timeline
From one payroll report to a plan in place.
Step Phase 01
Send one payroll report.
A recent payroll export through a secure link. Quantum Health Benefits models the plan employee by employee, and nothing changes on your payroll yet.
Step Phase 02
Read your proposal in 3 to 5 business days.
Person-by-person figures for your company, built from your own payroll, not from an average.
Step Phase 03
Your CPA reviews it before you sign.
The proposal, the Section 125 plan document and the payroll reporting instructions go to your CPA first. Then you sign the two plan agreements.
Step Phase 04
Quantum sets it up and enrolls your team.
QHB works with your HR and payroll and runs enrollment; HR attends one kickoff call. The plan goes in force before your benefits year starts, so the full year counts.
What employees get
What you can tell your people.
Plan 1500, quoted from Quantum Health Benefits’ plan grid, 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.
Straight answers
HR questions, answered.
- How much of HR’s time does this take?
- One kickoff call, the payroll report up front, sending the employee notice, and adding new hires on your usual schedule. QHB’s team runs enrollment, questions, billing and claims.
- Does it change our medical plan, broker or renewal?
- No. Quantum 125 sits beside the medical plan. The broker stays on the medical placement, and the renewal runs as it does today.
- Which payroll systems does it work with?
- QHB’s software connects with the major payroll systems. Tell the implementation team which one you run at kickoff.
- What do employees receive before it starts?
- Written notice of the plan and the payroll deduction, and the chance to opt out. The plan document sets the timing.
- What if an employee has questions about a claim?
- They go to QHB’s member services and the app, not to HR.
- Who reviews the payroll reporting?
- Your CPA. QHB provides the plan document and the payroll reporting instructions before anything is signed. Longtable Benefits does not give tax advice.
- Who can enroll?
- W-2 employees on a regular payroll. Shareholders who own more than 2% of an S corporation, partners and sole proprietors generally cannot take these benefits pre-tax; your CPA confirms.
Schedule a Meeting
Pick it apart first.
Thirty minutes for HR, before anyone else decides. Bring your payroll provider’s name.
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.