May be funded 100% through Section 125 Qualified Tax Incentives
Frequently Asked Questions
About the Fully-Insured, Fixed Indemnity Program (FFIP)
Straightforward answers to the most common questions employers and employees have about how this plan works. 

A supplementary health benefits program that works alongside your existing health insurance to give you more coverage. This program allows employees to receive additional health & wellness benefits on top of what they already have, while also likely receiving additional take-home pay.

Your health insurance pays doctors and hospitals, while Vivant provides cash and supplemental benefits to you that help cover out-of-pocket costs like copays, prescriptions, hospital visits, and emergencies. In many cases, when you use your insurance, Viventiq pays you additional benefits, and it also includes no-cost services like telemedicine, wellness care, and life coaching to support your overall health.

No. A health insurance plan is not required to enroll in an Fully-insured, Fixed Indemnity Plan (FFIP).

Viventiq saves you money each paycheck because your participation is paid pre-tax, which lowers your overall taxable income. That means less money is taken out for taxes. And when you use Viventiq’s benefits, payments go directly to you—so most employees see more take-home pay while also getting extra health and wellness benefits.

When you enroll in Viventiq, your contribution is taken out of your paycheck before taxes, which lowers the amount of income that is taxed. Because less of your pay is taxed, your take home pay likely goes up.

Viventiq matches the tier of benefits to your income in a way that optimizes the amount of benefits and your take home pay.

Viventiq matches the tier of benefits to your income in a way that optimizes the amount of benefits and your take home pay. If your income changes based on a change in position or change in hours worked during a pay period, Viventiq will evaluate your situation and place you in the highest tier of benefits that does not reduce your take home pay.

Using the app is the only way to qualify for benefits like prescription drug coverage, telemedicine, and life coaching. But enrolling in the program, and utilizing some of the other benefits, does not require app usage.

Enrollment is completely voluntary.

Individual Benefits:

  • Hospital stays
  • ER & ambulance
  • Critical illness & accident
  • Inpatient surgery & anesthesia
  • Mental wellness & life coaching
  • Preventive & wellness services
Family Benefits:
  • Vet care
  • Prescription drug plan
  • Telemedicine

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