An employee health benefit
Every employee gets a Bloom Account, $50, $75 or $100 a month from you, plus a nurse who checks in and a free video doctor. Works with the plan you already have. You only pay what they use. Set up in ten minutes.
$40 per employee a month, plus the $50–$100 account credit you choose, paid only as it's used. Two minutes shows the route for your team. Cancel any month.
Dana · Maya's nurse team
TuesdayYour check-in says you've been sleeping badly since the move. Still the case?
A bit better. Jamie's cough is the bigger worry.
Let's look at that. If it's still there Friday, I'll book a Bloom doctor on video. Free, usually under fifteen minutes.
Maya's Bloom Account
Tax-free$612.40
+$75 from Ridgeline Landscaping this month · $287.60 of bills paid so far
How it works
Three things. That's the whole benefit. The nurses and the doctor are for everyone. The account works with any group health plan; if you don't offer one, we'll tell you, and a licensed advisor can help.
You pick the amount, $50, $75 or $100 a month per employee. It's credited to every employee's Bloom Account each month, whatever plan they're on.
Every household gets a small nurse team who share one set of notes, check in each month, and notice when something changes. Whoever picks up already knows them. Free video doctor any time. Nothing to claim, nothing to file.
Deductibles, copays, the dentist, glasses, prescriptions. They send us the bill; you reimburse it through payroll, tax-free. Unused balance carries over while they're with you.
Also included: discounts on dental, vision and prescriptions for the whole household. Not included, but available: cash on a bad day. Employees can buy hospital cash cover for about $[40–60] a month from their own pay; if they're admitted, it pays them $1,500. Sold separately by a licensed partner, not by Bloom.
What the nurses actually do
Each household has the same small team of nurses. They share one set of notes, so nobody starts from scratch. Here's what that looks like on an ordinary month.
She opens the app and a nurse answers. The nurse can see last month's check-in, asks a few questions, and says what to watch for tonight. If it needs a doctor, she books a free video visit then and there.
Five minutes of questions in the app. A nurse on the team reads it. If something has moved since last month, they get in touch. If nothing has, that's the end of it until next month.
A worry that isn't an emergency and doesn't feel worth a doctor. He asks the nurse. She helps him work out what to do this week, and whether to see someone. When there's a prescription, his Bloom Account pays him back.
The nurses don't diagnose, and they won't catch everything. They'll catch more of it earlier, because they already know what normal looks like for that household.
What the account is worth
Pay is taxed on the way to them. A Bloom credit isn't, and you only pay it when a bill comes in.
A $900 raise ($75 a month)
$900 of Bloom credit
Illustrative. Assumes 7.65% employer payroll tax and a 12% federal, 5% state bracket plus 7.65% employee payroll tax, and that the whole credit gets used. You pay a credit only when a bill is reimbursed, and it's deductible then. Your numbers will differ. The account is only part of what you pay for; the Bloom fee is below.
Ninety seconds
One employee, one year, three moments. Her employer never appears. That's the point.
For employers
Already offer a health plan? Set Bloom up online: no broker, no sales call, no open enrollment season. Need help with coverage? A licensed advisor walks you through it, and Bloom goes on top. Either way, your people have somewhere to turn between appointments, and you have one simple benefit to manage.
Name, state, headcount, and whether you already offer a health plan.
$50, $75 or $100 a month per person. Change it any month.
Connect Gusto, ADP or QuickBooks, or upload a spreadsheet with names and emails.
Employees get a text to open their Bloom Account. Two questions about their coverage, then it's open. You never have to ask.
Pricing
$40 a month per person, plus the account. The account money never passes through Bloom: you pay it through payroll, only when a bill comes in. Bloom's fee is what pays for the nurses, the doctor and the running of it.
Example: 25 employees, $75 a month each
Most employers pay well under the budget, because balances are only paid as bills come in. If 65% of it gets used (an illustration, not a promise), that's about $2,219 a month.
A $75 raise costs you $80.74 and lands as about $57. A $75 Bloom credit costs you $75 at most, and only when it's used.
See your team's cost and eligibilityThe honest question
Three things worth checking before you sign up.
The nurses and doctor work with any plan, or none. The account works with any group health plan you offer. If you don't offer one, the fit check says so and a licensed advisor can walk you through the options.
For 25 people at $75: $1,000 for Bloom, plus up to $1,875 in their accounts, so up to $2,875 a month. You pay the account part only as bills come in. The same $75as a raise would cost $2,018, every month, used or not.
Teams with families, people who put off the doctor, and anyone who'd like a nurse to ask before it's a problem. Setup is ten minutes, or one call if you need coverage, and you can stop any month.
No. Bloom is an account your employer funds toward the bills insurance doesn't pay, plus a nurse and a free doctor for every household. It works alongside your health plan. Hospital cash cover is optional insurance from a licensed partner.
A small team. Each household is looked after by the same few nurses, who share one set of notes, so whoever picks up, day or night, already knows them. Doctor visits are with Bloom doctors, on video.
Yes, any group plan. If some of your people are on an HSA-qualified plan, their account covers dental, vision and preventive care so it doesn't interfere with their HSA.
Nothing about any individual, ever. Not who called the nurse, not what for, not their health check results. You see who has opened their account, what's been credited and what you've paid. Never what it was spent on, or why.
No. You can set Bloom up yourself. If you already work with a broker, use their link or code when you sign up: they stay on your account, help you run it, and we pay them. Your price is the same either way.
It stays with you. They get [90] days to send in anything outstanding, then it closes.
No. It's a monthly credit on paper. You pay when someone uses it, through payroll, and it's deductible then.
Any month, up or down, for the whole team.
Not yet. The tax rules on that are strict. You can reward check-ins and scans, and you can raise the amount for the whole team any time.
No. Nothing comes back around. The Bloom Account is a reimbursement plan under section 105 of the tax code, an ordinary business expense. Your money goes to your employees' bills or stays in your bank, never to Bloom. The tax saving is real, but it's a footnote, not the reason to buy.
