Wisdom Bank

Benefit Solutions That People Understand

Direct Care OPTIONS

You and I know that health care coverage is one of the top determining factors for employees who are considering a position with a new company.

Two weeks ago I talked about a revolutionary new healthcare plan: Direct Primary Care (DCP). This week I want to talk more about the benefits of this new option in general, and specifically the benefits of PrimaCare Direct, a Minnesota company.

PrimaCare Direct is a cooperative of clinics in Minnesota that want to lower the cost of healthcare to the patient, while focusing on providing exceptional care, centered around wellness. Traditional health insurance programs discourage doctor visits by adding extra costs to each visit (copays) or even accessing insurance altogether (deductibles.) PrimaCare Direct encourages patients to visit their physician regularly to achieve good health outcomes.

PrimaCare Direct covers 90% of medical needs, but it will not cover 100% of medical needs. A major medical plan is needed for the other 10% of healthcare, hospital and specialty care. When you pair PrimaCare Direct with a major medical plan, it meets the Federal requirements of the ACA. If you think this might be a viable option for your organization, let’s get together. We have money-saving solutions for smaller groups as well as for larger groups.  For groups considering going self-funded, using direct primary care will be a great way to contain claim costs, and using a captive reinsurance approach will deliver the most efficient cost arrangement possible.

Here are the top benefits of PrimaCare Direct for Business and why you should offer the program:

1)      Replacing employees can be costly. Studies show that companies with excellent health packages keep employees longer.

2)      Employees with excellent benefit packages traditionally outperform employees with mediocre benefits.

3)      Businesses often see an increase in health insurance premiums each year due to employees skipping routine primary care.

4)      At $75 per employee, PrimaCare Direct typically costs less than your employees cell phone bill.

5)      By creating a healthier group of employees, businesses save money in the long run.

6)      There are never any copays, deductibles or surprise bills that employees and their families must pay out of pocket

7)      When paired with a major medical plan, PrimaCare Direct meets the requirements of the Affordable Care Act.

Businesses often see an increase in yearly insurance premiums, due to employees skipping routine primary care. PrimaCare Direct offers you a solution. PrimaCare Direct is a health membership for primary care. Our $75 monthly membership fee typically costs less than your employees monthly cell phone bill. Membership gives employees and dependents unlimited primary care access for no additional cost. Unlimited primary care access will improve the overall health of your employees and save your business money.

What’s included in the plan?

Wellness Care: preventative visits and screenings such as physicals, cancer screenings, nutritional counseling and personal coaching. Acute Care: treatment of urgent medical issues including earaches, cuts requiring stitches, fractures, infections, respiratory illnesses and other aches and pains. Chronic Disease Care: management any chronic conditions, such as hypertension, asthma, diabetes, heart disease, osteoporosis, and hyperlipidemia. Office Procedures and Supplies: in-office procedures such as mole removals, skin biopsies, wound care, seasonal flu vaccine and EKG’s. Crutches, splits and braces, are also loaned out with your membership.

Remember, the physicians at participating PrimaCare Direct clinics are financially motivated to keep their patients healthy, and will manage their patients care to this end.  Where else does this situation exist?

For companies dealing with an endless sea of annual health care cost increases, aggressive solutions are critical to sustain business health and remain competitive. Let The Cleveland Company help you evaluate the past, current and future trajectory of your company’s health care costs.

If you would like to know more about the direct primary care product that PrimaCare Direct offers, please contact me.

Be well,

John