Small businesses can now afford healthcare with insurance-free DPC
As a small business owner, it can be challenging to clear all the hurdles being thrown your way, from managing inventory to attracting and maintaining quality staff. With fewer employees and a more limited budget, it can be difficult for small companies to offer benefits and intrigue potential applicants, especially benefits as costly as health insurance. Care Hop Direct Primary Care is making it affordable for small businesses to offer healthcare to their employees and make themselves a magnet for hiring talent. We know that local businesses come in all shapes and sizes and that your circumstances may vary widely from someone else’s. That’s why our Business DPC model is so flexible, so that you can offer your employees accessible, affordable healthcare no matter your situation. Today we’re looking at three small business owners and the ways they can use Care Hop Direct Primary Care to stay competitive, retain staff and give their workers a more accessible and affordable option for care.
Small Business With Only Part-Time Employees
Jerry owns a small coffee shop with one location and has twelve employees. He isn’t required to provide health insurance, but wants to make his business appealing to talented baristas and retain his staff as more cafes open in the area. While all of his employees are part-time, Jerry pays them a competitive hourly rate and can’t afford to cover the full cost of Direct Primary Care ($139/month), so he offers to pay 50% of the membership fee for anyone who decides to opt in. Compared to the national average of $1,401 a year for employee paid insurance premiums, $70 a month is a far more reasonable option. Care Hop DPC bills Jerry for each member who signs up under his account, and he takes half of the cost out of the employees’ paycheck. With the business portal, Jerry can keep track of which employees have DPC and can add or drop members. With Care Hop his employees have access to care as soon as they start feeling sick, which means they get better faster and miss less work. With Direct Primary Care’s focus on preventative care, Jerry’s staff is generally healthier and have fewer sick days. Now he is one of the only coffee shops in the area that offers any kind of healthcare for his staff, making it the first choice for cafe workers in the area.
Company With Fewer Than 50 Employees Covers Everyone
Javier’s shipping business has forty-eight employees ranging from full-time warehouse managers to part-time clerical staff. He isn’t required by law to provide health insurance to his employees, but wants to offer a higher quality of life to anyone he employs. Javier decides to offer Care Hop Direct Primary Care to all of his employees. He recommends his staff supplement DPC with high-deductible “catastrophic” insurance in case of emergencies, which should cost them under $200 a month. With average single employee premiums approaching $8,000 a year for employers, offering DPC over health insurance will save him tens of thousands a year. Whether full or part-time, prospective applicants are more likely to seek out Javier’s business, and current staff have even more reason to stay. In addition to making his business more attractive to potential and current employees, Javier’s workers are healthier and don’t waste energy and time worrying about their well-being. This means better productivity and focus from happy employees. Javier covers the cost of a basic Direct Primary Care plan for all employees, and through the business portal can upgrade anyone who wants At Your Door care added on and is willing to pay the difference.
Small Business Offering Full Coverage to Managers
Jenavieve owns and operates a car dealership with twenty employees, including mechanics, sales reps and managers. She wants to offer affordable healthcare to her full-time managerial staff in order to attract and maintain experienced employees. Jenavieve gives her five managers premium At Your Door Direct Primary Care coverage that is 100% covered by the company. The rest of her employees also have access to DPC at either tier through her employer account, but they have to pay half of the monthly membership fee while the company covers the other 50%. Even if her staff already has health insurance, the benefits of same-day access to care they get with DPC versus weeks of waiting for an insurance-based primary care practice are a huge boon. Now Jenavieve’s full-time managers have 24/7 access without worrying about hidden fees and surprise bills from insurance companies. Meanwhile she only pays the equivalent of 83 cents an hour more (based on a 40 hr work week) to add a massive amount of value to those positions. Employees who feel that their employer cares about their well-being are more likely to be satisfied with their jobs. DPC demonstrates the employer’s commitment to employees’ health and well-being, fostering a positive work environment and contributing to increased job satisfaction. By making her company more competitive, she raises the quality of applicants for managerial positions based on perks like healthcare without the headache.
The Takeaway
It can be difficult to attract the right talent for your small business, especially in today’s highly competitive marketplace. Offering an affordable, accessible alternative to insurance-based healthcare is an excellent way to make sure you have the best people helping your business thrive. When your employees are happy and healthy, everything else falls into place.
If you’re ready to offer Direct Primary Care to your employees or just want more information, click here and make your business more competitive today.