Predictive and Preventative Health for Employees
Making tax-advantaged preventative health accessible to every employer.
Our Mission
The healthcare system has it backwards. We spend trillions treating disease after it develops, when we should be preventing it in the first place. Maximum Benefits exists to flip this script.
We partner with employers of all sizes to implement Kingston Advantage and Capstone Advantage plans, innovative, tax-advantaged solutions created by GP Agency. These plans shift your organization from reactive "sick care" to proactive "predictive and preventative health."
The result? Employees save thousands on taxes and healthcare costs. Employers reduce FICA tax burden, ER visits drop by 40%, and retention increases by 15%. Everyone wins.
Creators of Kingston and Capstone Advantage Plans
Partnership with GP Agency
Kingston Advantage and Capstone Advantage are created and administered by GP Agency, a nationally licensed insurance brokerage with 57 years of experience, 100+ professionals, 5,000+ agents and brokers, and over 500,000 people covered. Maximum Benefits partners with GP Agency to bring these innovative plans directly to employers, handling implementation, education, and ongoing support.
This partnership gives your organization access to:
- Proven Section 125 and indemnity-based plan structures
- Seamless payroll integration and compliance support
- Wellution AI wellness platform (included with all plans)
- CPC audit protection (Kingston Advantage)
- Science-backed wellness from Gary Brecka, Capstone Brand Ambassador
Capstone Brand Ambassador: Gary Brecka
Gary Brecka is a human biologist, longevity expert, Capstone Brand Ambassador, and co-founder of 10X Health Systems. With 1 billion+ social media views, his work on biomarker optimization and preventative health has transformed how leading companies think about employee wellness. Capstone Plus members get exclusive access to the Ultimate Human VIP experience.
His philosophy is simple: measure everything, optimize your biomarkers, and prevent disease before it starts. This is exactly what Wellution delivers, personalized, data-driven wellness for your entire team.
"Most people have forgotten how good normal really feels." — Gary Brecka
ACA Compliant and Legally Protected
Capstone Plus is expanded under the Affordable Care Act (Section 4303: Employer-Based Wellness Programs). The 2024 Tri-Agency Ruling by the IRS, Employee Benefits Security Administration, and Department of Health and Human Services confirms that hospital indemnity and fixed indemnity insurance are classified as excepted benefits under the ACA. This means Capstone Plus is not subject to the federal requirements or consumer protections that apply to comprehensive health coverage, giving employers and employees a flexible, compliant supplemental benefits solution.
Why Kingston Advantage and Capstone Advantage?
These plans represent the future of employee benefits. Unlike traditional insurance, they offer:
Tax Efficiency
Save 7.65% on payroll taxes through Section 125 reimbursement accounts
True Employee Savings
Employees see real take-home increases, $139 to $210 per month on average
Preventative Focus
Designed to encourage health-promoting behaviors, not just disease treatment
Flexibility
Plans work for small businesses (10+ employees) and growing enterprises
Wellution Platform
AI-powered wellness with telehealth, counseling, prescriptions, and more
Compliance and Peace of Mind
CPC audit protection, W2 reporting compliance, and expert administration
Ready to Transform Your Benefits?
Book a free presentation with Bruce Mack, Marketing Director at GP Agency. Bruce will walk you through both plans, show you exact savings, and help you move forward with implementation.
Book Your Free Presentation