HealthCues is applied on a pre-tax basis. This means a pre-tax deduction, typically listed as HealthCues Premium or HCP, is applied to your paycheck before your taxes are calculated.  As a result of this additional pretax deduction, your taxable income is reduced. This lowers the amount of taxes withheld and increases your overall take-home pay. In return for participating in the program—whether by using benefits, engaging with a portal or app, etc., you will receive a post-tax claim payment on every pay cycle that the premium is applied. This is typically listed as Healthcues Claim Payment or HCL. There is a slight difference between the pre-tax deduction and the claim payment, however, you will not feel this difference because it is offset by the tax savings you receive from your taxable income being reduced which ensures that there is no actual reduction in your net pay.

Like a pre-tax deduction for health insurance, HSAs, FSAs, or retirement contributions, HealthCues also lowers your taxable income, helping you retain more of your earnings every pay cycle. However, unlike those plans, HealthCues provides a claim payment every pay period, making you whole. Additionally, participants may see a slight increase in their take-home pay due to the overall tax savings.

To fully understand the positive impact of the program, you may find it helpful to compare your paychecks before and after the funding was applied. Please keep in mind that variations in hours worked or other deductions may cause minor differences in each paycheck. If the payroll system detects that applying the HealthCues funding would result in an out-of-pocket cost, the funding will not be applied.