BLUEFIRE ADVISORS × EHP SIMERP PROGRAM
Your Company's Medical InsurancePremiums Are Skyrocketing.We Can Help.
Save as much as $1,000 per employee annually in reduced medical expense and FICA taxes ($640 from reduced FICA taxes and up to $360 from reduced medical co-pays and insurance premiums) while giving your team zero-cost access to comprehensive virtual care and wellness services.
For employers with 10+ employees. Fully compliant with IRS §105/§125 frameworks. Zero net cost.
Understanding the Program
What is SIMERP?
SIMERP (Self-Insured Medical Expense Reimbursement Plan) is a tax-advantaged program from EHP that helps employers offset skyrocketing medical insurance premiums by saving as much as $1,000 per employee annually in reduced medical expense and FICA taxes ($640 from reduced FICA taxes and up to $360 from reduced medical co-pays and insurance premiums), all at zero net cost to the employer. Employees gain free access to comprehensive virtual care and wellness services. It works alongside your existing health insurance, not instead of it. Available to employers with 10 or more employees.
Pre-Tax Salary Reduction
Employees make a monthly pre-tax salary reduction through a Section 125 cafeteria plan, lowering their taxable income and generating FICA tax savings for both employer and employee.
Comprehensive Virtual Care
In return, employees receive tax-free access to virtual primary care, urgent care, mental health therapy, pharmacy benefits, wellness coaching, and a preventive care dashboard, all at zero cost.
Fully IRS Compliant
SIMERP operates under IRC Sections 105 and 125, is ACA compatible and ERISA compliant, with actuarial certification and audit-ready documentation backing every dollar saved.
The smarter way to turn tax savings into a competitive advantage
SIMERP creates a win-win: employers reduce medical expenses and payroll taxes at zero net cost while employees gain meaningful healthcare benefits, all through existing IRS frameworks with zero changes to your current insurance carrier or plan.
Compliance & Security
Built on Two Proven Frameworks, Backed by Top-Rated Insurance
This program combines SIMERP and WIMPER: two complementary structures that together create a fully compliant, IRS-approved benefits solution at zero net cost to the employer. Every dollar saved is backed by an A++ rated insurance guarantee.
SIMERP
The Self-Insured Medical Expense Reimbursement Plan provides the tax-advantaged framework under IRS Sections 105 and 125, enabling employers and employees to reduce FICA taxes through pre-tax salary reductions while funding comprehensive healthcare benefits at zero net cost to the employer.
WIMPER
The Wellness Incentive Medical Plan Expense Reimbursement component delivers the preventive care and wellness program that qualifies the plan for favorable tax treatment, ensuring employees receive real healthcare value through virtual care, pharmacy benefits, and wellness services.
A++ Insurance Guarantee
The entire program is backed by an A++ rated insurance carrier, providing employers and employees with the highest level of financial security and confidence that all benefits are fully guaranteed and protected.
Fully Compliant Under IRS Regulations
The combined SIMERP and WIMPER structure operates under IRC Sections 105 and 125, is ACA compatible and ERISA compliant, and includes actuarial certification with audit-ready documentation. Your company is protected at every level.
Your Advisor
Why Choose Bluefire Advisors?
Bluefire Advisors provides expert strategic business advice to assist companies increase profits and improve efficiency, guided by decades of executive experience. Bluefire Advisors is an affiliate of EHP (The Employer's Choice), and EHP is the exclusive SIMERP agent for Revive.health, which provides the comprehensive wellness and virtual care benefits.
Dimitri Villard
Founder, Bluefire Advisors
Dimitri is a serial entrepreneur and financier who has founded or managed numerous companies across multiple industries. As an investment banker, he raised hundreds of millions of dollars for clients in private placements and IPOs, managed merger & acquisition transactions and restructured $43 million in senior and sub-debt for a public company. He is an advisor to a number of growing companies.
Harvard
University Graduate
20+ Years
Tech Coast Angels Member
Certified
Business Coach
A Step-By-Step Guide
How The Process Works
At zero net cost to the employer, the EHP/Revive Plan is designed to maximize your cash flow and employee job satisfaction through medical expense and tax savings.
Free Discovery Call
Connect with us to book a no-obligation Discovery Call with our experts to see if your company qualifies.
Eligibility Assessment
Our brief questionnaire analyzes your company's eligibility to help provide maximum benefits and savings.
Review Proposal
Review your proposed solution to see the exact tax savings per employee and for your entire company.
Onboarding & Implementation
Our team will connect with your company to educate and integrate the EHP plan and its technologies.
It Sounds Too Good To Be True. What Makes This Possible?
SIMERP and WIMPER are both grounded in IRS-compliant frameworks:
Section 105
Allows employers to reimburse medical expenses for employees, creating tax savings.
Section 125
Provides the structure for pre-tax payroll contributions, ensuring compliance while enhancing benefits.
The magic is in combining these two together
SIMERP reduces taxable payroll while funding supplemental health benefits.
WIMPER extends these benefits to include wellness resources that improve health and productivity.
Why It Matters to Employees
The EHP/Revive Wellness Plan: Benefits Your Team Will Love
Through the Revive Wellness Plan, employees gain access to a comprehensive suite of healthcare and wellness benefits at absolutely no cost, and the program comes at zero net cost to the employer. The savings break down to $640 from reduced FICA taxes and up to $360 from reduced medical co-pays and insurance premiums. These benefits are provided by Revive.health, the exclusive care delivery partner of EHP.
1,000+ No-Cost Prescriptions
Access to over 1,000 prescription medications at zero cost, with no co-pays or deductibles.
24/7 Virtual Urgent and Primary Care
See a doctor anytime, day or night, from anywhere. No need to miss work or wait for an appointment.
Mental Health and Counseling
Full range of mental health services including therapy for depression, anxiety, and marriage counseling through individual and group sessions.
Weight Management and Wellness Programs
Weight management, smoking cessation programs, and wellness coaching to help you live a healthier life.
Fitness and Nutrition Tools
Access to fitness programs, nutrition planning, and preventive care resources to support your overall wellbeing.
Tax Savings That Increase Take-Home Pay
Pre-tax salary reductions lower your taxable income, putting more money back in your pocket every paycheck.
Member Plus 5 Dependents Covered
Coverage extends beyond just you. Your spouse and dependents (up to 5 total) are included at no additional cost.
No Out-of-Pocket Costs
Zero co-pays, zero deductibles, and zero out-of-pocket expenses for all included virtual care and prescription benefits.
Nationwide Coverage
All benefits are available nationwide, so you are covered no matter where you live or travel.
Healthier Employees Are Better Employees
More Productive
Missing Less Days at Work
Safer with Fewer Accidents
Less Burden on HR
Proven Results
Numbers That Speak for Themselves
Up to $1,000 annual savings per employee in medical expense and FICA taxes
Out-of-pocket cost to employees for included benefits
Employer groups enrolled in the program
Excellent client rating from employers and employees
REAL RESULTS
Stories of Businesses Saving with SIMERP/WIMPER
See how employers across industries are generating significant medical expense and FICA tax savings at zero net cost while enhancing employee benefits.
Regional Retailer Cuts Benefits Costs While Boosting Employee Satisfaction
- ✓Kept existing health insurance plan completely intact
- ✓Employees gained zero-cost virtual primary care and urgent care
- ✓HR team saw reduced administrative workload around benefits questions
- ✓First-year employee turnover dropped measurably
40
Employees
$1,000
Saved / Employee
$40,000+
Annual Savings
Mid-Size Manufacturer Offsets Rising Premiums with Tax-Advantaged Savings
- ✓Maintained full compliance with IRS Section 105 and 125 requirements
- ✓Workers compensation premiums decreased alongside FICA savings
- ✓Payroll integration completed without disrupting existing systems
- ✓Employees reported higher engagement with new wellness benefits
65
Employees
$1,050
Saved / Employee
$68,250+
Annual Savings
Albright College Reduces Pharmacy Claims 18% and Delivers Zero-Cost Care
- ✓57% of covered employees actively used the Revive platform within four months
- ✓Employees saved up to $720 per month on medications
- ✓Zero-cost virtual primary, urgent, and mental health care for all participants
- ✓Savings being reinvested into better coverage, lower deductibles, and new wellness programs
200
Employees
$720
Saved / Employee
$144,000
Annual Savings
What Our Clients Say
Don't Just Take Our Word for It
Hear from employers, employees, and trusted colleagues who know the value Bluefire Advisors brings.
"We love the ability to offer the EHP program to employees at a $0 net cost. By offering the program, we have seen a significant uptick in both existing employee retention and new employee recruitment."
Jack
Employer
"Thanks to the EHP program offered by my company, I have been granted access to local and virtual medical care for myself and family that we did not have prior."
Anna
Employee
"Dimitri Villard is an exceptional business leader with great entrepreneurial skills. As CEO, he has managed to transform his company into a profitable, well run operation and has successfully re-structured the entire financial situation with great skill. It is a pleasure to work with such an outstanding executive."
Lawrence Hurwitz
CEO, Hurwitz Financial Group
"Utilizing the prescription program through EHP has been super helpful for me and my whole family. I am saving over $77 per month by eliminating the deductibles and co-pays."
Mike
Employee
4.8/5
Client Rating
2K+
Employers Enrolled
95%+
Engagement Rate
Is Your Business Eligible for Smarter Benefits?
SIMERP/WIMPER is designed for businesses with 10 or more employees. Take the first step toward saving thousands in medical expenses and payroll taxes at zero net cost to your business, while creating a benefits package your employees will love.
15-minute call · No obligation · See your exact savings