Compare Kingston Advantage & Capstone Advantage
Both plans include the Wellution AI wellness platform. The difference is in structure and employee count.
Key Insight: 67% of American employees report being negatively impacted by inflation. Our plans help offset this with real tax savings and take-home increases.
Kingston Advantage
Section 125 Medical Expense Reimbursement
Pre-tax reimbursement for eligible medical expenses. Flexible for employers with 10-150 employees.
- ✓Pre-tax medical expense reimbursement (up to $3,600/year)
- ✓CPC audit protection included
- ✓Flexible reimbursement accounts
- ✓Wellution wellness platform
- ✓1,100+ free prescriptions
- ✓Telehealth access (no copays)
- ✓Peer-to-peer counseling
- ✓Biometric tracking & reports
- ✓HSA-compatible structure
- ✓W-2 reporting compliance
Capstone Advantage
Indemnity-Based Benefits (10+ Employees)
ACA-compliant indemnity coverage with seamless payroll integration. Telehealth ranked #1 by J.D. Power 4 years running.
- ✓Indemnity-based coverage structure
- ✓Seamless payroll integration
- ✓Wellution wellness platform
- ✓1,100+ free prescriptions
- ✓Telehealth access (no copays)
- ✓Peer-to-peer counseling
- ✓Biometric tracking & reports
- ✓Managed claims administration
- ✓W-2 reporting compliance
- ✓Dedicated account manager
| Feature | Kingston | Capstone |
|---|---|---|
| Plan Type | Section 125 (Pre-tax Reimbursement) | Indemnity-Based |
| Minimum Employees | 10 | 10 |
| Maximum Employees | 150 | Unlimited |
| Annual Reimbursement Limit | Up to $3,600 | Varies by coverage |
| CPC Audit Protection | Included | Optional |
| Wellution Wellness Platform | Yes | Yes |
| Telehealth | Yes (No copays) | Yes (No copays) |
| Free Prescriptions | 1,100+ | 1,100+ |
| Expected FICA Savings (Annual) | $700-$1,200 per employee | $723.88 per employee (avg) |
| Payroll Integration Complexity | Moderate | Seamless |
| Implementation Timeline | 4-6 weeks | 2-4 weeks |
Eligibility Requirements
Both Kingston Advantage and Capstone Advantage have the following eligibility requirements:
- ✓Minimum 10 employees for both Kingston and Capstone
- ✓Employees must be W-2 status
- ✓Employees must work minimum 30 hours per week
- ✓Company owners not eligible for individual reimbursements
- ✓Active business operation for 12+ months
- ✓Valid tax identification number
Select Plan Variants
Kingston Select
Simplified version of Kingston Advantage for businesses with 10-20 employees seeking maximum flexibility with minimal administrative burden.
- ✓ Lower setup costs
- ✓ Simplified compliance
- ✓ Full Wellution access
- ✓ Same tax benefits
Capstone Select
Streamlined version for businesses with 10 to 100 employees wanting the simplicity of Capstone without complex administration.
- ✓ Quick implementation
- ✓ Dedicated support
- ✓ Full Wellution access
- ✓ Seamless integration
Included with Both Plans: Wellution Platform
Every Kingston Advantage and Capstone Advantage plan includes full access to Wellution, the AI-driven wellness platform that transforms how employees manage their health.
Explore the Full Benefits Guide
Browse our interactive flipbook for a complete overview of Kingston Advantage and Capstone Advantage plan details, features, and savings.
View Benefits FlipbookReady to Get a Custom Quote?
Every business is unique. Book a free presentation to see exactly how much you can save with Kingston Advantage or Capstone Advantage.
Book Your Free Presentation