Enhance your Employee Benefits by offering DPC Membership
Traditional employer sponsored health insurance benefits are unaffordable
According to the Census Bureau, 54.5% of Americans are insured by their employers. Employers usually buy health insurance from big insurance companies for a fixed premium amount, partially paid by employers (usually 70 to 80%) and partially by employees (20 to 30%). According to a survey in Illinois, average annual premiums are $7,547, with employers paying $5,801 and employees paying $1,746. Once employees have insurance, they need to pay a deductible to get any medical care. According to eHealth, the average deductible for marketplace plans for medical and prescription drugs in 2023 is $7,481 for Bronze plans, $4,890 for Silver plans, $1,650 for Gold plans, and $45 for Platinum plans. Due to these high costs, approximately 40% of Americans skip care.
Adding Direct Primary Care into your employee health benefits package offers numerous advantages
As a small business owner or employer, providing comprehensive and accessible healthcare benefits to your employees is crucial for maintaining a healthy, productive, and satisfied workforce. Research has shown that employers can lower health care costs by up to 40% by partnering with a direct primary care clinic.
With DPC, employees have direct access to their physicians through phone, text, or email, and can often secure same-day or next-day appointments. This level of access promotes proactive health management, allowing for timely medical intervention and ongoing wellness support.By receiving consistent, high-quality care, employees are more likely to stay healthy and effectively manage chronic conditions, leading to fewer sick days and increased productivity.
DPC operates on a flat monthly fee, which covers a wide range of primary care services, including routine check-ups, preventive care, and minor procedures. This transparent pricing model eliminates the complexities of insurance claims, copays, and deductibles, providing financial predictability and reducing out-of-pocket expenses for employees.
For employers, this can translate into lower overall healthcare costs, as DPC practices often help reduce the need for expensive specialist visits and emergency room trips.
Here's a more detailed look at the benefits:
Cost Savings:
- Reduced overall healthcare spending: DPC's focus on preventive care and chronic disease management can lead to significant savings for employers by reducing the need for expensive specialist visits and hospitalizations.
- Lower administrative costs: DPC eliminates the complexities of traditional insurance billing, reducing administrative overhead for employers.
- Predictable costs: Employers pay a flat monthly fee per employee, making budgeting easier compared to the unpredictable costs associated with traditional insurance plans.
- Potentially lower medication and lab costs: We offer discounted medications and lab tests further contributing to cost savings.
Pay for Direct Primary Care with HSA or HRA Funds
Better care. Smarter payment options.
At Mountain View Direct Care, you now have the flexibility to pay for your Direct Primary Care (DPC) membership using Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) funds — making it easier than ever to invest in your health.
For Patients
Great news: The IRS now recognizes DPC membership fees as a qualified medical expense. This means you can use pre-tax dollars from your HSA or HRA to cover your monthly membership.
Why This Matters
- Lower out-of-pocket costs by using tax-advantaged dollars
- Unlimited primary care access without surprise bills
- Same- or next-day appointments and longer visits with your doctor
How to Use Your HSA or HRA for DPC
- Check with your plan administrator — most allow DPC payments directly.
- Use your HSA/HRA debit card at the time of payment.
- Or submit for reimbursement with our itemized invoice.
Your health, your doctor, one flat monthly fee — now payable with the funds you’ve already set aside for healthcare.
For Employers
Boost employee health while controlling costs.
With recent IRS changes, your employees can now pay for DPC memberships using HRA funds — giving them premium primary care without increasing your insurance spend.
Employer Benefits
- Predictable costs with flat-rate memberships
- Lower insurance premiums when paired with a high-deductible plan
- Happier, healthier employees with fewer sick days
How It Works
- Select your HRA type — QSEHRA for small businesses, or ICHRA for flexible plan design.
- Fund each employee’s account with a set monthly or annual amount.
- Employees enroll in Mountain View Direct Care and use HRA funds to pay.
Direct Primary Care + HRA = a win-win for your business and your team.
Ready to Get Started?
Whether you’re an individual looking to make the most of your HSA, or an employer designing a smarter benefits package, we make it easy.
📞 207-200-5897