BCB Advantage allows employees to purchase benefits more tax efficiently. Every enrolled employee receives a monthly financial benefit and employer-paid insurance coverage — at zero net cost to the employer.
Your employees pay premiums into their group health plan every month. Then they pay deductibles. Then copays. Then out-of-pocket costs for prescriptions, dental work, glasses, and everything else the plan doesn't cover. By the time the year is over, the average employee has spent thousands of dollars on healthcare — with their after-tax money, receiving zero additional employer benefit for it.
The federal tax code technically allows individuals to deduct medical expenses. In practice, the income threshold and the standard deduction make that deduction unreachable for most working families. BCB Advantage doesn't try to fix it through the individual tax code. It delivers financial relief through the employer benefit structure — where it actually works, every time, for every enrolled employee.
And it replaces the administrative complexity of managing multiple benefit carriers with a single consolidated program — one payment, one administrator, one point of contact.
Every enrolled employee receives a fixed monthly benefit through their paycheck — automatically, without submitting claims. The benefit is calibrated to their healthcare cost exposure and delivered the moment they enroll.
Accident coverage, critical illness, short-term disability, and more — employer-paid, automatically activated at enrollment. No additional election, no individual underwriting, no extra premium.
Most employees can't deduct their medical expenses — the income threshold makes it unreachable. BCB Advantage delivers the financial relief the deduction was supposed to provide, through a mechanism that works 100% of the time for 100% of enrolled employees.
Four simple steps. Every enrollment delivers meaningful benefit value to the employee while remaining cost-neutral to the employer — and replaces a complicated multi-vendor benefit administration process with a single monthly payment.
A simple payroll election reduces the employee's taxable income — generating immediate tax savings for both the employee and the employer.
One flat payment per enrolled employee covers every program component — carrier premiums, plan administration, compliance documentation, and benefit delivery. No list billing. No individual carrier invoice reconciliation. No multi-vendor management. BCB Advantage replaces the administrative complexity of a traditional multi-carrier benefit program with a single monthly payment and a single point of contact. The employer's HR team manages one relationship instead of five.
A fixed monthly financial benefit hits the employee's paycheck automatically — no claim submission, no paperwork, no waiting. Just a benefit that shows up every pay period.
Every enrolled employee receives a year-end benefit summary showing their documented healthcare expenses. Throughout the year, monthly reminders guide them on qualifying expenses most people don't know count — from OTC medications to mileage to contact lens solution. The more they document, the more of their benefit is fully tax-free.
BCB Advantage is configured for each Plan Sponsor through a brief enrollment process. Premium amounts, benefit levels, and supplemental coverage selections are customized to your workforce — governmental employers, private sector companies, nonprofits, and organizations of any size. Every configuration is built on the same principle: your employees get more, your organization pays nothing from its general fund.
Give every employee — from the superintendent to the bus driver — the same comprehensive benefit coverage. No salary tiers, no complicated eligibility rules, no cost to the district's general fund.
Give your employees the kind of benefit protection that actually makes a difference in their lives — and give your organization a recruiting and retention story competitors can't match. Available to employers of any size, in any industry.
Compete for talent with a benefit package that increases employee coverage and generates employer savings — with zero net cost and a straightforward implementation process.
Employer-paid supplemental insurance coverage and a monthly financial benefit — all delivered through a single employee election.
Every enrolled employee receives the same benefit regardless of salary. The same comprehensive coverage for every member of your workforce — no complicated tiers, no discrimination risk.
If an employee leaves, their supplemental coverage continues through a continuation option. The employer owes nothing from the general fund.
BCB Advantage replaces the administrative burden of managing multiple voluntary benefit carriers with a single program administrator. Enrollment data, carrier coordination, compliance testing, nondiscrimination documentation, expense reconciliation, and participant communications — all handled by BCB. Your HR team focuses on your people, not your paperwork.
BCB Advantage doesn't hide from taxes — it faces them. Employees receive a year-end summary showing exactly what they received and what, if anything, they may owe. Monthly guidance helps them document expenses that reduce that amount. Most employees end up owing nothing. All of them come out ahead.
Whether you are a benefits broker looking to offer BCB Advantage to your clients, or a governmental employer wanting to learn more, we would love to hear from you. Complete the form below and a member of our team will be in touch within one business day.
BCB Advantage is designed around a simple principle: every dollar of benefit delivered to an enrolled employee should be legally sound, properly documented, and built to withstand scrutiny. The program operates within the established employer benefit framework used by employers of all sizes for decades. Its tax treatment is transparent — employees are educated about what they may owe, given the tools to reduce it, and supported throughout the year with ongoing expense documentation guidance. There are no shortcuts and nothing to hide. That is what makes it durable.