# 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://cheri-muniz-ascendfinancialwellnessgroup.launchautomation.workers.dev/business-owners

Business Owners Only
 
# 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?

 
A SIMERP is a Self-Insured Medical Expense Reimbursement Plan. It is an employer-sponsored wellness and reimbursement structure that uses existing tax provisions to lower payroll tax burden while adding benefits your employees can actually use.
 
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 existing plan stays in place. Nothing is replaced, cancelled, or switched. The SIMERP layers on top.
 
- Built for retention. Employees gain access to added care and wellness resources at no cost to them.
 
- Measurable savings. Modelled against your real payroll before anything is proposed, so the number is yours and not an average.
 
- W-2 employees required. Eligibility depends on headcount and how payroll is structured. If it does not work for your company, Cheri will say so.
 
 
 

 
 

 

 

 

 
## 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.
 
 

 

### Lower employer cost

The plan is structured so existing tax provisions offset the cost, which is where the measurable savings come from. Reviewed against your actual payroll, in writing, before you commit to anything.
 

### Better benefits, same plan

Employees get added wellness and care access on top of the coverage they already have. No network change, no new deductible, no disruption to the medical plan you offer today.
 

### 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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