BCB Advantage pairs expanded health and ancillary protection with tax-advantaged benefit funding — delivering real out-of-pocket relief to employees at zero net cost to the employer.
High deductibles, copays, and rising prescription costs mean employees pay thousands out-of-pocket each year using after-tax dollars. Traditional health plans leave workers vulnerable to unexpected medical expenses.
BCB Advantage solves this with pre-tax benefit optimization. Tax-advantaged benefit funding gives employees direct health expense coverage for qualifying healthcare costs — without adding overhead to the employer's budget.
Employer-sponsored accident, critical illness, and disability coverage that broadens what employees are protected against.
Pre-tax benefit optimization turns after-tax healthcare spending into covered medical, dental, and vision costs.
One plan, one portal, and one consolidated monthly statement for HR.
Four simple steps that translate pre-tax payroll savings into accessible, affordable healthcare for every enrolled employee — without adding cost to the employer.
Employees make a simple pre-tax election under Section 125, reducing their taxable income and generating immediate payroll tax savings for both the employer and employee.
The pre-tax savings fund health expense coverage alongside employer-sponsored ancillary protection (accident, critical illness, disability).
Employees use their benefit dollars to cover qualified out-of-pocket medical expenses — including copays, deductibles, prescriptions, dental, vision, and any eligible 213(d) expenses.
The employer remits a single monthly payment covering plan administration, carrier premiums, and benefit funding — eliminating multi-carrier administration with zero net impact on the general fund.
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 tax-advantaged medical reimbursement — 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, so protection stays with them during transitions.
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.
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.