Health Compass Inc. is a team of benefits experts that designs and supports modern, digitally enabled healthcare solutions to help employers reduce costs and deliver smarter healthcare options.

Health Compass was founded to address the inefficiencies of traditional health insurance, which had become costly, confusing, and ineffective for both employers and employees. With the Vital 110 plan, healthcare is made more accessible, affordable, and effective—lowering costs and improving outcomes for entire organizations.

The mission of Health Compass is to revolutionize workplace health through innovative solutions such as Vital 110, focusing on proactive care, cost reduction, and building a culture of wellness.

Vital 110 is a self-funded Minimum Essential Coverage (MEC) plan that covers routine healthcare services for employees and their families with $0 copays and no deductibles. It satisfies Affordable Care Act standards and, because it qualifies under IRC Section 125, also generates payroll tax savings for employers. The plan is designed to complement existing major medical coverage.

Vital 110 includes virtual primary care, in-person and virtual urgent care, telecounseling, prescriptions, labs, preventive care, patient navigation, hospital bill negotiation, and biometric health monitoring and management.

Vital 110 removes time and cost barriers to care by providing easy access to doctors, prescriptions, labs, and patient support through the Vital 110 app, with no out-of-pocket costs. Employees who participate in routine care monitoring—such as facial scans or health questionnaires—receive ongoing insights into lifestyle and health trends that support proactive wellness.

Vital 110 reduces costs by lowering claims against major medical plans and leveraging Section 125 tax savings, since premiums are paid with pre-tax dollars.

Vital 110 provides savings in three important ways:

(1) It gives employees access to routine healthcare services without co-pays or deductibles.

(2) As an IRC Section 125 plan, Vital 110 premiums are paid for with pre-tax funds, which reduces the amount subject to taxes (FICA).

(3) When employees participate in the routine care monitoring program each pay period, such as the face scan or health questionnaire, they receive a claims reimbursement in their paycheck that offsets the pretax premium.

Yes. As a MEC plan, Vital 110 offers a cost-effective way for businesses to remain ACA-compliant while demonstrating a commitment to employee well-being.

Yes. As a Section 125 plan, Vital 110 delivers meaningful tax savings for both employers and employees.

No. Vital 110 complements traditional major medical plans by covering routine, everyday care at no out-of-pocket costs to employees, while also reducing employer claims costs. Unlike traditional insurance, it emphasizes preventive care, proactive monitoring, and integrated digital access.

No. Vital 110 is more than a wellness plan—it is an IRS-recognized health insurance plan that provides predictive health insights, proactive interventions, and $0 out-of-pocket costs for employees, while remaining affordable for employers through built-in tax savings.

With a quick facial scan, your smartphone camera captures tiny changes in light reflected from the blood vessels in your face. Advanced technology translates those signals into accurate readings of your heart rate, blood pressure, breathing rate, oxygen saturation, stress levels, and more.

Yes. Biometric data is never stored. Your scan results are HIPAA-compliant and are never shared with employers or unauthorized parties.

Data remains confidential and under HIPAA protections. Employees control their information and may choose to share results with personal physicians or a Vital 110 board-certified provider. Behind the scenes, the system monitors trends and flags changes—like rising blood pressure—so employees get timely alerts while their privacy remains fully protected.

Yes. The platform is fully HIPAA-compliant and SOC 2 Type II certified. Security practices include data encryption, access controls, ongoing monitoring, and independent audits to protect sensitive information.

No. Health Compass does not sell personal or health data.

Vital 110 is designed for employers of all sizes who want to control costs, remain ACA-compliant, and offer employees meaningful, affordable access to everyday healthcare.

Implementation requires only an employee payroll census file to begin. Health Compass manages setup, ongoing administration, and provides both employer and employee portals for easy access to plan details and ongoing support.

Health Compass provides full broker support, including training, implementation assistance, and ongoing service to ensure smooth adoption and long-term client satisfaction.