# SIMERP for Business Owners | Employer Healthcare Savings

> SIMERP, a Self-Insured Medical Expense Reimbursement Plan, helps employers cut healthcare costs and strengthen benefits without replacing the current plan.

Canonical page: https://ascendfinancialwellnessgroup.com/business-owners

# SIMERP: a smarter strategy for employer healthcare costs

 
Reduce healthcare expenses. Strengthen employee benefits. Create measurable savings, without replacing your existing health plan.
 

 [Book a SIMERP Review](/contact)
 [(916) 597-0314](tel:+19165970314)
 
 
 

 

 

 

 

 
## What is a SIMERP?

 
What are you currently doing to offset the annual premium increases you’re seeing with your healthcare plan?
 
SIMERP is designed to help offset rising healthcare costs while adding preventive care and wellness benefits, without replacing or changing your current health plan.
 
It is not health insurance, and Cheri is not a health insurance agent. A SIMERP sits alongside whatever medical plan you already have. Your carrier, your network, and your employees' doctors all stay exactly as they are.
 
 
- Your current health plan stays in place. Nothing is replaced, canceled, or switched. SIMERP works alongside your existing benefits.
 
- Designed to support retention. Employees receive additional preventive care and wellness resources at no net cost to them.
 
- Savings based on your actual payroll. Your potential savings are modeled using your company’s real payroll data, not industry averages.
 
- Designed for eligible W-2 employees. Eligibility is based on employee count, compensation, and payroll structure. If SIMERP is not the right fit for your company, Cheri will tell you upfront.
 
 
 

 
 

 

 

 

 
## Stronger businesses. Stronger teams.

 
We connect business owners with funding opportunities and employee wellness benefits designed to support retention, expand access to care, and identify potential savings, all while keeping existing medical plans in place.
 
 

 

### No Net Cost to Employer

The program is designed to be funded by the payroll-tax savings it creates, so eligible employers can typically offer it to employees at $0 net cost. Your proposal shows the exact figures for your team before you commit; actual outcomes depend on each employer's circumstances.
 

### Better benefits. Lower payroll taxes.

Combines modern preventative care with a tax-advantaged benefit structure, so your team gets more and your business spends less. No disruption to the current healthcare plan, no co-pays and no deductibles.
 

### Funding when you need it

Business funding runs alongside the benefits conversation, so growth capital and employee retention get solved together rather than one at a time.
 
 
[See the program overview](https://getehp.com/?aff=157406195)
 

 

 

 

 
## From first call to plan in place

 
 

 

1
### Payroll review

Headcount, pay frequency, and current benefits. A short conversation is enough to tell whether a SIMERP fits your company at all.
 

2
### Savings modelled on your numbers

You see the projected employer savings and the employee benefit side by side, using your real payroll rather than an industry average.
 

3
### Implementation and support

If it works, the plan is documented and rolled out to your team, with the limits and exclusions explained in writing up front.
 
 

 

 

 

 

 

## Find out what a SIMERP could save your business

A free review with Cheri. Bring your payroll summary and current benefits, leave knowing whether this fits and what it is worth.
 
[Book a Free Review](/contact)[(916) 597-0314](tel:+19165970314)

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Ascend Financial Wellness Group · (916) 597-0314 · cheri@ascendfinancialwellnessgroup.com · Roseville, CA
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