Direct Primary Care and Employers
Are you as an employer tired of constant rate hikes that are effecting your bottom line and making it more difficult for your employees to access medical care?
Your employees are not accessing health care services because of the high deductible their health insurance has.
You want to offer your employees Health Care but unable because of the high cost of coverage.
Across the country employers are searching for innovative solutions to address the rising cost of health care or offer some type of access to health care.
Business Membership Contract Pricing
- Personnel
- Individual
- Individual and Spouse
- One Child
- Two Children
- Three Children and more
- Monthly Price
- $70.00
- $150.00
- $175.00
- $200.00
- $300.00
- Annually
- $840.00
- $1,800.00
- $2,100
- $2,400.00
- $3,600.00
Please note: For the purposes of MD Health Care 4 U, a child is defined as any child living at home between the
Please Note: There is a one time membership processing fee of $80.00
Payments may be made on a monthly to annual basis via cash, credit/debit card, personal check or though a secured auto withdrawal
from a credit card or checking account
Many patients find that our Direct Primary Care membership plan works best in tandem with a high deductible, lower
“Catastrophic” insurance policy, which typically covers the bulk of expensive hospitalizations,
major surgeries and emergency room visits for life threatening situations.
Employer Health Care Challenges
Rising health insurance premiums.
Shrinking healthcare coverage.
Forced to make tough financial decisions about their employee health benefits which has lead for some to forgo health insurance for their employees.
know that health benefits are a key in attracting and retaining good employees.
Employees want access to inexpensive, quality healthcare.
Without Increasing Benefits Cost
Right now, you are feeling like you are on a “Roller Coaster Ride” but implementing Direct Primary Care through MD Health Care 4 U – adding coverage – without increasing your benefits cost doesn’t have to be a fantasy.
By pairing MD Health Care 4 U membership with a high deductible insurance plan which allows you to increase the employees’ actual healthcare coverage, access, convenience and utilization while reserving insurance for the emergencies it was meant for and using premium difference to fully fund the best healthcare you can offer your employees.
Health Benefits Challenges for Businesses
Increasing claims driving up premium increases – to the tune of 6 – 15% year over year?
Health Benefits feeling more like an increasingly expense liability than an actual benefit?
Employees complaining about decreasing coverage and increasing deductibles and contributions?
Employees forgo preventative and routine care because they are afraid to incur medical costs – while their health and productivity decline as a result?
If you are experiencing any of these challenges in your business, you are in the right place.
What Is Direct Primary Care
Direct Primary Care (DPC) is a modern version of the old-time physician relationship. Specifically, the physician provides the patient with “Primary Care Medical Services” without any insurance or government involvement. The physician sets a fixed fee for Primary Care Services and the employer pays this monthly fee directly to the physician. In exchange, the physician provides primary care services whenever the need arises.
Florida Direct Primary Care Statute
On Friday March 23rd, 2018, Governor Scott signed into law bill “HB 37”, making the State of Florida the 24th State to implement “Direct Primary Care”.
HB 37 relates to Direct Primary Care agreements, creating s.624.27, providing definitions; specifying that direct primary care agreement does not constitute insurance and is not subject to the Florida Insurance code; specifying that entering into a direct primary care agreement does not constitute the business of insurance and is not subject to the code; providing that a certificate of authority is not required to market, sell or offer to sell direct primary care agreement; specifying requirements for a direct primary care agreement; providing an effective date.
Direct Primary Care Model
Direct Primary Care model is based on a fixed membership fee, it’s comparable to a Gym membership fee, whereby, for a fixed monthly fee you can use all the equipment and programs that the gym offers.
In Direct Primary Care, the membership fee covers primary care services that are outlined in a contract between the physician and the member.
Direct Primary Care is not Health Insurance.
It does not cover any medical services or supplies (ie: hospitalization, imaging studies, Lab work, prescriptions, specialist, etc.) outside of the agreed upon primary care services outlined in the membership contract.
Because Direct Primary Care “IS NOT HEALTH INSURANCE” but a membership, most patients, depending on affordability, still carry insurance coverage for health care services that cannot be provided in a primary care setting, such as specialty care, emergency or urgent care and hospitalization
Healthy Happy Employees
By eliminating the middlemen, MD Health Care 4 U help businesses and their employees have access to quality medical care and save money. The core of our mission is Direct Primary Care (DPC) which can handle 80 to 90 percent of the employee’s health care needs without the hassles of insurance.
If you haven’t notice, the traditional health care system is inefficient, difficult, confusing and expansive. MD Health Care 4 U’s goal is to keep your employees healthy, happy and away from the traditional system as much as possible.
Employer Benefits From Direct Primary Care
Seventy-five percent of healthcare costs are driven by chronic illness, this cost comes back to employers through insurance rate hikes, lost productivity and sick days when employees are afraid or unable to see their doctor for routine health screenings due to out of control out of pocket costs and/or getting a timely appointment that fits their work schedule.
With MD Health Care 4 U, employees can text or email the doctor or his/her staff to stay on top of their health issues before they become a major issue, often without ever needing to take time out of the day for an office visit.
Employees with chronic medical conditions, like diabetes, heart disease and more, MD Health Care 4 U gives them an unparalleled access to the healthcare they require to manage their condition and reduce health-related productivity drains.
Healthy Happy Boss
Companies try a variety of tactics to lower costs while maintaining quality health benefits, but it’s a seemingly impossible task these days. MD Health Care 4 U works with companies to accomplish this daunting goal.
MD Health Care 4 U helps offer employee health benefits where none existed before or work with insurance brokers to create a comprehensive health benefit solution combing MD Health Care 4 U plus an insurance plan for care needed outside of the contracted primary care services.
Employer Benefits From Direct Primary Care
Engaging MD Health Care 4 U today can help reduce or eliminate next year’s premium increase.
The reason being, with MD Health Care 4 U, anything handled between your employees and the Doctor (bloodwork, specialists, routine care, pharmacy and imaging services) happens outside of their insurance policy. This being a major factor taken into consideration when renewal time comes around.
If the Health Plan is outspending it’s premiums, utilizing MD Health Care 4 U today is your first line of defense for reducing the amount of the premium increase at the time of renewal.
If you’re not exceeding your premiums, it’s possible that MD Health Care 4 U can help you avoid a rate hike all together.
Limiting Risk – There is a decrease in claims and a reduction in ER visits and Hospitalizations.
Controlling Costs – Preventative care equals healthier employees which equals improved productivity.
Customer Service – No middle person, meaning no insurance company, so there is a direct relationship between the employer and MD Health Care 4 U, the provider.
Employees Benefit from Direct Primary Care
Patient Centered
Accessible same day or next day appointment
Available by phone, email or text
Longer visits when necessary
Minimal wait times
No Copays/Deductibles and minimal additional cost for certain procedures
Discounted services for Diagnostic Imaging, Lab Test and Pharmacy
Additional Pricing Information
There is a one-time membership processing fee of $80.00
There is a $75.00 fee for a House Call when deemed medically necessary
There is a $15.00 fee for a no show to an appointment unless cancelled within 24 hours
For the purpose of MD Health Care 4 U, a child is defined as any child living at home between the ages of 18 to 24 that is going to school.
Health Insurance
Today, you probably pay a monthly amount for each of your employees to cover their health-insurance. That insurance, in turn, covers some or all of their health expenses. Usually, to keep costs low, you use a Health Maintenance Organization (HMO), perhaps with a large co-pay for each visit, or a PPO with a very large deductible. For that, they can potentially see their doctor after making an appointment for 1-2 weeks in advance. Maybe, if they are lucky, they can see some other provider that day or the next day if they are actually sick—and when do they call their doctors for an appointment? When they are well? The focus is rarely on preventing illness, but rather responding to it, maybe with pills, or hospitalization, or expensive testing. For each of those, they will pay a co-pay, usually ranging from $15 to $70 dollars, or more, for an ER visit when they can’t get in to see a regular doctor or urgent care.