May 13, 2022

Healthcare for Employers

How can Direct Primary Care save my business money while providing better care to my employees?

"The Direct Primary Care (DPC) ... is where patients or employers pay their physician or practice directly in the form of periodic payments for a defined set of primary care services."

– American Academy of Family Physicians

Small business looking to add benefits for employees for the first time

Many small business owners would like to add health benefits for employees, but may not be able to afford the $700 premium for their health insurance. Understandable. Could you afford an $80-$100/mo direct primary care service? 80-90% of medical conditions can be managed in the primary care office and would be covered under this membership fee, including diabetes, high blood pressure, thyroid and other hormone problems, obesity, injuries, etc.

Many small business are combining direct primary care with medical cost sharing for catastrophic coverage. Medical cost sharing programs are insurance alternatives that are often more affordable.

Large business with self funded insurance

First, if you are paying the cost of a BUCAH plan (Blue Cross BS, United, Cigna, Aetna, or Humana), then you and your employees are paying 500% or more of the actual cost of most medical services. Many would recommend to immediately change to self funded insurance plan. If you currently do not have a self funded plan, I can connect you with a benefits adviser who has expertise in this area.

Self funded insurance plans then can include direct primary care services which leads to fewer hospitalizations, ER visits, diagnosis and treatment costs, etc. Who saves that money then? You, the employer!

This may sound too good to be true, but it is not. Many large companies are changing to this system of health coverage and saving 20-30% in total medical cost. This translates to millions of dollars for medium and large business.