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.
BCB Advantage is an employer-sponsored benefit program funded through a Section 125 pre-tax election. It is designed around a simple principle: every dollar of health expense coverage delivered to an enrolled employee should be legally sound, properly substantiated, 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 substantiation, given the tools to document qualifying medical expenses, and supported throughout the year. There are no shortcuts and nothing to hide. That is what makes it durable.