An ERISA-compliant benefits program that works alongside your existing plan — funded by reallocating savings they already have.
Built for: Restaurants · Contractors · Gyms · Salons · Staffing · Home health · Service businesses
Free 15-minute look · Soft ask · No hard sellMost owners feel trapped: raise benefits costs again to keep good people — or keep benefits thin and watch turnover climb.
Enter your W-2 headcount and payroll setup. Estimates use the training maximum of up to $91.80 per employee per month in FICA-related savings — nothing more.
Designed for businesses with 10+ W-2 employees.
Formal payroll (Gusto, ADP, Paychex, Paylocity, etc.) is required.
15 minutes. No obligation. The call will show you exactly how it works for a company your size — soft ask only.
A plain-English playbook for owners with 10+ W-2 employees who want better benefits without a new monthly bill.
What’s inside:
Thanks! Your copy of The Zero Net Cost Benefits Playbook is ready. Soft next step if you want the numbers for your payroll:
Tomorrow Doctor’s benefits program was built for that gap — real care and retirement value without a new benefits bill for qualifying businesses.
$0 virtual primary care, urgent care, and mental health — without waiting weeks.
$0 prescription medications delivered so your people aren’t choosing between meds and rent.
Typical retirement contributions about $1,300–$3,500+ per year, plus hospital bill help up to 70%.
It’s an ERISA-compliant employee benefits program that layers onto the coverage you already have. No rip-and-replace. No forced switch. Soft introduction only — a short call shows the fit.
You’re not adding a new monthly expense — you’re reallocating savings they already have.
A documented Section 125 structure can create FICA offsets — up to $91.80 per employee per month for eligible employers.
Those dollars fund wellness rewards and retirement contributions instead of sitting unused as tax drag.
Employees engage through a simple app (screenings, virtual visits). Engagement unlocks the care and contributions.
The call will show you exactly how it works for your payroll setup.
Talk to a doctor without leaving the shop floor.
When something can’t wait for next week.
Prescriptions to their door — no surprise pharmacy bill.
Support and psychiatric access when they need it.
Up to 70% reduction on major medical expenses.
Typically about $1,300–$3,500+ per year added.
No testimonials here on purpose. Instead: a clear, compliance-backed mechanism you can verify on a short call.
Redirected into real employee value — care, Rx, retirement.
The call will show you exactly how it works for a company your size. Soft ask only — if it’s not a fit, you’ll know quickly.
Book the free 15-minute look →No. Tomorrow Doctor is not insurance. It is an ERISA-compliant benefits program that works alongside what you already have.
Eligible employers can unlock FICA offsets (up to $91.80 per employee per month) tied to pre-tax Section 125 benefits. You’re reallocating savings they already have to fund employee care and retirement contributions — not adding a new premium.
Businesses with 10 or more W-2 employees on a formal payroll system (Gusto, ADP, Paychex, Paylocity, and similar). That’s the hard filter.
Perfect — this is designed to layer on top. It does not replace your current setup.
No catch narrative. The company is using dollars already in the payroll structure more efficiently. Compliance and administration are handled. The only real question is whether your business qualifies — and that’s what the call determines.
You’ll meet with Dr. Curt Collins on a short discovery call. Marcelo Lopes is an independent referral partner making the introduction — not an insurance agent, benefits expert, or financial advisor.
If you run a business with 10+ W-2 employees on formal payroll, take a few minutes to see whether Tomorrow Doctor’s benefits program fits. Soft ask. Free call. The call will show you exactly how it works.
See if your business qualifies → I may receive compensation if you enroll.