The employer side is the tax mechanics. This is the part that shows up in your caregiver's life, which is the part that affects whether they stay.
PHI's Key Facts 2025 puts it plainly: 11 percent of home care workers have no health insurance at all, 59 percent receive some form of public assistance, and 15 percent live below the federal poverty line.
Employees get access to essential healthcare services with $0 out-of-pocket costs for core care.
Virtual urgent care, primary care and counseling from home, around the clock. No visit cost.
Generic medications at no cost. Up to 80 percent off everything else, including brand-name drugs. Members search for medication and see the options.
Up to 60 percent off dental procedures through a nationwide network.
Unlimited access to educational, experiential and therapeutic support groups. Coaching sessions. Yoga. HIPAA privacy applies.
The everyday costs that land on a self-pay household, at negotiated rates.
The UnifyWell app holds everything in one place. iOS and Android.
91 percent of healthcare events happen outside the four walls of a hospital. Doctor visits, imaging, dental, medications, labs, vision.
The employee pre-tax deduction is paired with a matching post-tax reward in the same paycheck. Most caregivers see the same or a slightly larger net paycheck than before.
Not every caregiver qualifies. It depends on wages, deductions and filing status. The payroll savings proposal shows who qualifies and who does not.
Most caregiver job ads name zero real benefits, and many of the same companies are posting roles at $15–$18 an hour on the same page.
At most agencies the only person with health coverage is the owner.
An agency that can name specific benefits in a recruiting ad is competing in a superior position to one that cannot. Owners tell us the retention effect shows up before the enrollment numbers do.
The UnifyWell plan is built to run at zero net cost. The estimator shows where the money comes from.
Open the estimatorHome Care Wellness provides marketing and enrollment support and does not provide legal, tax, accounting or health advice. The Unify Wellness Plan is administered by UnifyWell. Savings figures in any proposal are estimates based on the payroll information provided and are not guaranteed. Federal and state tax laws change. Consult your own CPA or attorney before enrolling.