Chroma Early Learning Academy provides a unified Section 125 pre-tax healthcare program featuring comprehensive in-person medical care, low copays for primary and specialist care, in-office diagnostics, 24/7 virtual telemedicine, prescription benefits, and $50,000 in guaranteed-issue group life insurance.
Chroma offers a single flagship plan design that eliminates complexity and delivers real in-person clinical protection. Built on the national MultiPlan / PHCS PPO Network and paired with ManhattanLife group term life insurance.
Review the transparent monthly pre-tax rate breakdown. Coverage is provided on an Employee Only basis for eligible full-time Chroma staff through tax-advantaged payroll deductions under Chroma's Section 125 plan.
| Coverage Election | Monthly Rate (Plus Advantage) | Bi-Weekly Deduction | What Is Included |
|---|---|---|---|
| Employee Only (MEC Plus Advantage) | $118.75 / month | ~$54.81 / pay | Full medical care ($20 PCP, $50 specialist/urgent/labs, $200 CT/MRI), 24/7 unlimited virtual telemedicine & behavioral health counseling, Cigna Rx formulary ($0 generics), and $50,000 ManhattanLife term life insurance |
Coverage is Employee Only. This master healthcare program is structured exclusively for active full-time Chroma teachers and administrative staff. Deductions are processed through pre-tax payroll salary reductions, which lowers your taxable gross pay and decreases your payroll tax liability.
Underwritten by ManhattanLife, this coverage provides financial protection for your loved ones without any medical underwriting hurdles.
A direct, lump-sum death benefit paid to your designated beneficiary to assist with living expenses, debt, or education.
No physical examinations, blood tests, or health history questionnaires. Every eligible active employee who enrolls is approved.
Under IRS Section 79, the first $50,000 of employer-provided group term life insurance is completely exempt from federal and state income taxation.
Benefit deductions are subtracted from your gross wages before federal income tax, state income tax, and FICA (Social Security & Medicare) taxes are calculated.
| Example Scenario: $30,000 Annual Salary with $118.75/mo Pre-Tax Contribution | Estimated Annual Tax Savings |
|---|---|
| Federal Income Tax Exemption (12% tax bracket) | Approximately $171 / year |
| Georgia State Income Tax Exemption (~5.2%) | Approximately $74 / year |
| FICA Tax Exemption (7.65% Social Security + Medicare) | Approximately $109 / year |
| Total Estimated Annual Tax Savings | Approximately $354 / year (~$14 more take-home per pay period) |
Tax calculations are illustrative estimates based on standard 2026 withholding rules. Actual net savings vary based on personal tax filing status, exemptions, and total household income.
Every active employee must submit an affirmative election or waiver. Digital enrollment takes approximately 3 minutes, with no Social Security number required on the form.