Better Benefits. Bigger Savings. No Net Cost.
Earnest Banks helps employers, state agencies, and nonprofit organizations save money and boost employee satisfaction—with no additional net cost to their organization.
Who Are We?
Licensed Insurance Agent of Corporate Business Initiative (CBI)
Earnest Banks is a trusted insurance agent contracted with Corporate Business Initiative (CBI), a national leader in innovative benefits solutions. Through this partnership, employers, state agencies, and nonprofits receive turnkey access to valuable group health enhancements that require no additional net cost and deliver high-impact results.
Our Capstone Plus Health and Wellness program is a Section 125 Pre-Tax plan that prioritizes preventative health and wellness, focusing on predictive and preventative health before it becomes a health insurance issue.
We offer our healthcare program to private and public schools, their entire districts, and colleges.
Why Choose Capstone Plus?
Traditional healthcare plans are expensive and reactive. Our proactive group benefits program provides financial protection and wellness services—without increasing your organization's expenses.
Unlimited Telehealth
24/7 access to medical providers, virtual ER, primary care, behavioral health, and dermatology services with $0 co-pay.
Free Prescriptions
37 commonly prescribed generic drugs at no charge through 70,000+ retail pharmacies nationwide.
Biometric Scanning
Advanced facial scanning technology that monitors vital signs, health risks, and cardiovascular indicators.
Indemnity Insurance
Coverage for hospital confinement, emergency room visits, ambulance services, and health screening benefits.
Zero Burden on Your HR Team
We handle everything 24/7 so your Human Resources team can focus on what they do best while we manage the entire benefits program seamlessly.
Complete Program Management
Our dedicated team handles every aspect of your benefits program around the clock, ensuring seamless operation without any additional workload for your HR department.
- 24/7 program administration and support
- Automated enrollment and onboarding
- Real-time claims processing and management
- Comprehensive employee communication
- Ongoing compliance and regulatory updates
Effortless Implementation
From initial setup to ongoing maintenance, we streamline every process to ensure your HR team experiences zero disruption to their daily operations.
- Seamless integration with existing systems
- No additional HR training required
- Automated reporting and analytics
- Dedicated account management support
- Employee self-service portal
Annual Earning Potential
See the significant financial impact our program can have on your organization based on your employee count
Calculation based on average savings of $725 per W-2 employee annually
Actual savings may vary based on participation rates and specific organizational factors
Comprehensive Benefits Package
Employee Benefits
- Up to $1,800 in added value annually
- Portable whole life insurance for long-term security
- Free generic prescriptions (acute and chronic)
- 24/7 telehealth, therapy, and stress relief services
- Diabetes coaching, dietitian access, and virtual fitness options
- Annual wellness assessments and ongoing health coaching
Employer Benefits
- Average savings of $725 per enrolled employee per year
- Now available to state agencies and nonprofits at same rate
- Boost employee satisfaction without extra cost
- Reduce turnover with improved health and wellness benefits
- Plan requires no additional net cost to your organization
Amaze Health Services
- Virtual ER telemedicine with immediate response
- Chronic disease management and personalized programs
- Billing advocacy and insurance support
- Weight management and smoking cessation programs
- Biometric facial scanner for health monitoring
- Care navigation and support for whole family
Real Financial Impact
See how our program delivers actual savings and increased value for both employees and employers
Employee Paycheck Example
For an employee earning $4,200/month:
Through Section 125 pre-tax deductions and claim payments, employees actually see an increase in their net pay while receiving enhanced benefits.
Employer Savings
Average savings per employee:
After administrative costs, employers save an average of $40.33 per employee per month while providing enhanced benefits.
Scaling Benefits
Real savings across organization sizes:
- 25 employees = $12,097 annual savings
- 100 employees = $48,390 annual savings
- 500 employees = $241,950 annual savings
- 1,000 employees = $483,900 annual savings
Larger organizations see proportionally greater total savings while maintaining the same per-employee benefit value.
Implementation Process
Our streamlined 5-step process ensures smooth implementation and immediate results for your organization
Census Template
Census template will be sent to you to gather the information needed to calculate the Benefit Reserves
Proposal
Proposal provided which includes Benefit Reserves and potential company savings
Enrollment
Enrollment conducted virtually or on site Employee Training Post Enrollment
Lead time 30-45 days
Lead time 30-45 days. Payroll call completed with client on or around the effective date of coverage
Client starts to see savings immediately
Client starts to see savings immediately in the first payroll run
Ready to Get Started?
Our proven implementation process ensures your organization sees immediate benefits with minimal disruption to your current operations.
About
Earnest Banks
Licensed Insurance Agent of CBI
Earnest Banks is a trusted insurance agent contracted with Corporate Business Initiative (CBI), a national leader in innovative benefits solutions. Through this partnership, employers, state agencies, and nonprofits receive turnkey access to valuable group health enhancements that require no additional net cost and deliver high-impact results.
Maximum Flexibility, Minimal Commitment
Start When You're Ready, No Strings Attached
No Enrollment Deadlines
There are no specific enrollment dates or restrictive windows. Join our program whenever you're ready to start saving.
No Long-Term Contracts
No long-term contracts are required to get started. Begin experiencing benefits immediately without lengthy commitments.
Works with Existing Agreements
Our program won't disrupt any contracts, coops, or arrangements you currently have in place. We integrate seamlessly with your existing benefit structure.
Join Anytime
No enrollment windows or restrictions—employees can join whenever they're ready, including new hires and seasonal staff.
Stay Connected on LinkedIn
Follow us on LinkedIn for valuable insights, success stories, and blog content about employee benefits and organizational savings.
HIPAA CERTIFIED
Our program is fully HIPAA certified, ensuring complete privacy protection and compliance with all healthcare information security standards.
Ready to get started? Contact us for your free consultation—no commitment required.
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How Telehealth Benefits Improve Employee Wellness and Cut Costs
Learn how unlimited 24/7 telehealth benefits reduce healthcare costs and improve employee wellness with zero extra employer expense. ...more
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July 04, 2025•1 min read
How Employers Can Save Hundreds Per Employee While Boosting Wellness Benefits — No Extra Cost
Discover how employers save $725+ per employee annually with Capstone Plus, boosting wellness benefits at no extra cost. ...more
Earnest Banks
July 01, 2025•2 min read
Earnest Banks is a licensed and contracted insurance agent of Corporate Business Initiative, Inc.
Absolutely No Risk: Confirming its full compliance with IRS and Department of Labor regulations, aligned with tax codes 105B, 106A, 113, and 125. Plus, an A-Rated insurance company will provide the employer and the employees 100% audit protection that covers all potential payroll tax liabilities plus penalties for a period up to 3-years. No other similar program offers such a guarantee. You can adopt this program with the utmost confidence.
Phone :
512-577-1037
Email :
© 2025 Earnest Banks, Licensed Insurance Agent. All rights reserved.
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