Frequently Asked Questions

Comprehensive answers to common questions about Kingston Advantage, Capstone Advantage, and Wellution. Can't find what you're looking for? Schedule a consultation.

General Questions

Employer Questions

Employee Questions

Technical & Compliance Questions

Still Have Questions?

This FAQ covers the most common questions, but every company's situation is unique. Book a free presentation with Bruce Mack to discuss your specific needs and get personalized answers.

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Frequently Asked Questions

General Questions

What is Section 125?

How is Kingston Advantage different from traditional insurance?

What is Wellution?

What's included with Wellution?

Do I have to be a large company to offer these plans?

How are these plans 'tax-advantaged'?

Employer Questions

How much can I save on FICA taxes?

What's the ROI on implementing these plans?

What are the eligibility requirements?

How long does implementation take?

How does payroll integration work?

What if we already have health insurance?

Are there compliance concerns?

Can we offer Select plans for specific employee groups?

Employee Questions

How much can I save with these plans?

What healthcare services are covered?

How do I access Wellution?

Can I use Wellution telehealth without copays?

How many free prescriptions are included?

Can I bring my family into Wellution?

What if I don't spend my full reimbursement account balance?

Is my health data private?

Technical & Compliance Questions

What's the difference between HSA and Section 125?

Will these contributions show on my W-2?

How is compliance ensured?

What if the IRS audits my company?

Are pre-tax contributions legal?

How does Wellution integrate with my existing health plan?

What happens if I leave the company?

Can I change my contribution amount mid-year?

Is there a fee for being on these plans?

Still Have Questions?