Healthcare your team will actually use.
Most small employers are stuck choosing between a plan nobody can afford to use and no plan at all. Direct care gives you a third option: real primary care for every employee at a fixed monthly cost you can budget a year in advance.
The problem you're already paying for
When primary care is hard to reach, it doesn't go away. It shows up later, somewhere more expensive.
An employee who can't get a same-week appointment ends up in urgent care or the emergency department for something a 20-minute office visit would have handled.
With a high deductible, people skip the visit entirely. The hypertension or the diabetes gets caught two years later, as a much larger claim.
A half day off for a seven-minute appointment, plus the drive, plus the wait. Multiply that across a team and it's real production time.
How direct care changes the math
You pay a flat monthly membership per enrolled employee. That covers unlimited primary care with a named MedHealth provider, virtual visits, routine labs and an annual wellness visit. There are no copays to collect, no claims to process and no year-end reconciliation.
Because the cost is fixed and known, it budgets like payroll rather than like insurance. You know in January what healthcare will cost you in December.
The savings show up in two places. Care that would have gone to urgent care or the emergency department gets handled in the office instead, and conditions get managed before they become claims. Neither happens unless primary care is genuinely easy to reach, which is the whole point of the model.
What your team gets
- Unlimited office and virtual visits with a named provider
- Same-day and next-day appointments on Gold and Platinum
- Routine labs and an annual wellness visit included
- Virtual visits, so a sick employee is seen the same day without leaving the job site
- Prescription pricing through Cost Plus Drugs
- Pre-negotiated cash rates with a preferred specialist network
- The ACCESS Direct member portal for benefits, pricing and messaging
- Five MedHealth locations across Central Florida and Tampa Bay
Three ways employers use it
Alongside a high-deductible plan
Keep your major medical coverage for hospital and catastrophic events, and move day-to-day care to the membership. Employees stop avoiding the doctor because of the deductible, and you can often move to a higher deductible than you'd otherwise consider.
As a standalone benefit
For businesses that can't offer group coverage, a membership is a real benefit at a price that works. Employees get a provider they can reach rather than a card they can't afford to use.
As a hiring and retention tool
In hourly and skilled-trade hiring, healthcare is frequently the deciding factor. A membership is something you can describe in one sentence in a job posting and an applicant immediately understands.
Getting set up
Group enrollment runs through our team directly. We'll size the tier mix to your workforce, set up billing on a single monthly invoice, and handle onboarding at your site or virtually.
- One invoice, billed monthly, priced per enrolled employee
- Tier mix set by you: the same plan for everyone, or a base plan with employee-paid upgrades
- Onboarding sessions so employees actually activate the benefit
- Dependents can be added at household rates
- Employees choose their office and provider
Before you budget it
A direct care membership is not health insurance and does not replace a group health plan. It covers primary care, not hospitalization, surgery or emergencies, and it does not satisfy any employer coverage requirement that applies to your business.
We don't sell, quote or recommend insurance. If you want to review how a membership would sit alongside your group coverage, we'll introduce you to an independent licensed agent who works with you directly.
Tax and compliance
How membership fees are treated for tax purposes, and how they interact with an HSA, ICHRA or a group plan, depends on your structure. Talk to your CPA and benefits counsel before you commit to a funding approach.
Let's price it for your team.
Tell us your headcount and where your people are, and we'll come back with a number and a rollout plan.