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If you’re a business owner looking to increase employee pay, boost retention, and reduce your 7.65% FICA match — all at no net cost to you — talk to Joseph McLane at Vantage Ensura. He’s a true expert at uncovering win-win strategies that benefit both employers and their teams. Highly recommend connecting with him to see what’s possible for your business!”
Better care delivers better financial results
EnsuraGuard is a supplemental benefit that provides financial support when covered incidents occur. Payments are fixed and based on the event—not medical costs. Your plan also includes 24/7/365 access to Amaze Health and prescription coverage, both with $0 copays
EnsuraGuard Employer Savings Calculator
Includes Rx & Claims
Premiums are paid pre-tax through a Section 125 cafeteria plan arrangement, reducing taxable payroll. The savings come from straightforward tax arithmetic — not projections.
Plan levels are calibrated to each employee’s payroll, so participating employees see no reduction in take-home pay.
85% of workers’ injuries occur off the job (National Safety Council, 2024) — where most hourly workers have no coverage. EnsuraGuard pays cash benefits directly to employees for covered off-the-job accidents, and its prevention education works to reduce injuries on and off the clock.
56% of employed Americans say voluntary benefits such as accident coverage make them more likely to stay (Voya, 2023). Because enrollment is automatic and take-home pay is protected, 100% of your eligible workforce has this coverage — and knows it.
All savings figures are estimates for illustrative purposes only, based on national data sources (Ensura payroll model using KFF/CMS/Milliman assumptions; NCCI via NSC Injury Facts, accident years 2022–23; National Safety Council, 2024; BLS; Center for American Progress; Voya Financial, 2023 — retention figures reflect employee-reported likelihood). Payroll tax savings are computed from 2026 federal brackets, standard deduction and Social Security wage base (IRS Rev. Proc. 2025-32; SSA 2026) and 2026 state income tax schedules, modeling a single filer with no dependents across a normally distributed wage band; injury and retention figures are illustrative estimates, not projections. Actual results vary with each employer’s workforce, claims experience, payroll, and applicable state rules, and are not guaranteed. EnsuraGuard™ is a limited benefit, fixed-indemnity accident insurance plan; it is not comprehensive medical coverage, is not a substitute for major medical insurance or workers’ compensation coverage, and does not coordinate with other coverage. Telehealth and prescription-savings services are complimentary non-insurance services provided separately from the insurance plan. Nothing herein is intended to discourage, delay, or interfere with the reporting of any work-related injury, which must be reported in accordance with applicable workers’ compensation law. Plan levels are calibrated to each participant’s payroll so that participation does not reduce take-home pay. Ensura does not provide tax or legal advice; employers should consult their own advisors. For employer evaluation only — this is not an employee enrollment document.
VANTAGE ENSURA
What's Included?
Core Benefits Package
Coverage includes emergency room treatment, hospital stays, fractures, dislocations, surgeries, and more. Plan options range from $700 to $1,650 monthly with automated Health Screening Benefit payments.
Robust Accident Plan
120+ Covered Incidents 80+ Injury Benefits with multiple plan options
24/7 Amaze™ Virtual Concierge Medicine
Unlimited access to medical practitioners
$0 Copays for 1,100+ Medications
Acute and chronic medications included
Patient Navigation & Advocacy
Support for complex care coordination
Mental Health Services
Virtual behavioral health support included
Tax-Efficient Plan Design
Section 125 plan premiums are paid with pre-tax dollars
Employer Benefits
Simple Setup
Simple Implementation of our benefits in a Section 125 Cafeteria Plan
Payroll Savings
Employer reduces payroll expenses with plan efficiencies
Better Care
Better healthcare access and quality of care for employees
Claims Savings
Medical & Rx claims savings equal cash back or lower premiums
Employee Benefits
Accident Coverage
120+ covered incidents and 80+ Injury Benefits for peace of mind
Amaze™ Virtual Care
Immediate access to 24/7 virtual care services
$0 copays
1,100+ acute and chronic medications
at $0 copays
More Pay
Increased take-home pay
Robust Accident Plan
Full List of Covered Incidents
CLOSER LOOK
Amaze™ Concierge Medicine
Concierge Medicine Highlights
Concierge Medicine Program
Personalized care, navigation, treatment plans, & 24/7 access.
Virtual Behavioral & Mental Health
24/7 access to a licensed therapist for crisis and routine care.
Virtual Primary Care Provider
Preventative and routine care with scheduled appointment options.
Virtual ER & Urgent Care
Remote emergency care services.
Virtual Dermatology
Specialized skin care and treatments.
Whole Family Care
Concierge Medicine for the member's immediate family.
OUR CORE SOLUTIONS
VANTAGE ENSURA
EnsuraGuard
Additive Benefits that Reduce Costs
A synergistic accident plan with concierge medicine benefits designed to complement your current coverage or provide coverage if no existing plan is available. Reduce payroll expenses annually while improving employee satisfaction.
Amaze
Complete Virtual Solution
With the touch of a button, we take care of most medical needs right away. When you need help with the other aspects of healthcare, like insurance questions, medical billing, or finding a specialist, our team helps put you on the right path, and we support you every step of the way.
Rx Program
1,100+ commonly used meds at $0 copay
EnsuraGuard includes prescription savings through RxValet, giving enrolled employees access to 1,100+ commonly used medications at $0 copay. Plus, significant discounts on non-formulary name brand drugs. This is designed to reduce out-of-pocket prescription costs for employees without changing the employer’s existing health plan.
