Blog Posts An Affordable Healthcare Alternative for Non-Benefited Employees April 25 | 3 mins Employers are the principal source of health insurance in the United States1, however, most Americans are unable to afford basic health care expenses. Under the traditional fee-for-service model, individuals must meet deductibles or pay expensive copays to see a primary care physician. In addition to employees who can’t afford their health plans’ deductible and copays, there are employees who can’t afford the health plan at all or don’t qualify due to employment status (non-benefited employees). Traditional health offerings leave a large pool of people off the table and those left outside looking in still want access to healthcare coverage. Part-time employees, 1099 workers, and individuals living in healthcare deserts can benefit from direct primary care (DPC) models. Here, we’ll explore these unique situations and how DPC may be a great alternative for these groups. Inaccessibility in Rural America According to a report by the U.S. Department of Health and Human Services, rural residents are more likely to die from heart disease, cancer, and stroke than individuals living in urban areas. Due to the distance to medical providers, limited transportation, and limited appointment availabilities, many rural Americans are not able to receive preventive and screening services, urgent care, or timely treatment of illnesses2. DPC encourages members to build relationships with their board-certified primary care physicians, in-office or virtually. This relationship is critical to a healthy life because frequent visits with primary care providers can result in lower health costs3, fewer hospitalizations4, and early detection of chronic conditions. The virtual component would be especially beneficial to members living in healthcare deserts, as they can access a physician 24/7 from their own homes. Quality primary care is now available without geographic or financial barriers. Underinsured Retail Workers Part-time employees often do not qualify for their employer’s health plans, leaving them to find coverage elsewhere or remain uninsured. According to a recent survey, the retail industry has the least number of qualifying employees at 55%5. DPC would be a great alternative to traditional healthcare for the remaining 45% in this industry and the dependents of all. Since the average hourly pay in retail is $15.356, it is likely that retail workers forego doctor visits, routine screenings, and prescriptions due to associated costs. Another barrier to consider is time and availability as retail hours do not fall within the traditional business hours of 9-5. For a low monthly fee, these workers can enroll in a DPC program for them and their dependents that offers unlimited primary care visits, urgent care visits, and 24/7 virtual care, giving them peace of mind that they have access to a board-certified physician whenever they need one. Freelance Workforce Continues to Grow Most people believe that freelance work is sporadic and short-term, however, a report by ADP has found that more than half of 1099 contractors work for the same company for 12 consecutive months7. Even though freelancers are spending longer periods of time with the same company, 1099 workers don’t qualify for most employer health plans. The report predicts that the freelance workforce will continue to grow. 70% of respondents have said that they are freelancing by choice, and 60% will continue to do so for the next 3 years8. With more companies hiring freelancers in a variety of industries, additional benefits will be crucial to attracting quality 1099 workers. The great benefit for freelancers is that DPC is not only affordable but flexible and portable. Due to its non-insurance membership structure, DPC can be added at any time of the year. Additionally, frequent travelers or those who work odd hours can access a board-certified physician in all 50 states or 24/7 virtual care. By offering DPC, companies can better attract and maintain good working relationships with freelancers, all at a low cost. An Affordable Alternative Healthcare2U’s hybrid direct primary care was created to address the issue of inaccessibility to quality primary care, provided by board-certified family care physicians and internists. For a low monthly fee, we offer unlimited in-office, virtual, and urgent care visits. This model encourages members to see a physician regularly, build a relationship with their primary care provider, and potentially detect underlying issues before the onset of a serious illness. Additionally, DPC seamlessly integrates with existing benefit plans already in place, enhancing the employees’ current coverage and providing an alternative for 1099 and part-time employees. For more information about how DPC can provide quality care for employer groups, contact Healthcare2U. 1, 5 KFF Employer Health Benefits 2021 Survey (https://files.kff.org/attachment/Report-Employer-Health-Benefits-2021-Annual-Survey.pdf) 2 US Department of Health and Human Services Rural Action Plan (https://www.hhs.gov/sites/default/files/hhs-rural-action-plan.pdf) 3 High-Touch Care Leads to Better Outcomes and Lower Costs in a Senior Population (https://www.ajmc.com/view/hightouch-care-leads-to-better-outcomes-and-lower-costs-in-a-senior-population?p=1) 4 Investing in Primary Care: A State-Level Analysis (https://www.pcpcc.org/resource/investing-primary-care-state-level-analysis) 6 Occupational Employment and Wage Statistics (https://www.bls.gov/oes/current/oes412031.htm) 7, 8 ADPRI Illuminating the Shadow Workforce (https://www.adpri.org/wp-content/uploads/2020/07/19212611/Illuminating-the-Shadow-Workforce-Full-Report.pdf) share this post Other Posts You Might Like read more Blog Posts The Warning Signs for Skin Cancer and How to Prevent It May 17 | 2 mins read more Blog Posts Colon Cancer is on the Rise in Young People – What to Know and When You Should Get Tested April 27 | 3 mins read more Blog Posts Why Fad Diets Can Be Dangerous, and How to Spot Them April 25 | 2 mins read more Blog Posts Analyzing the Cost of Chronic Diseases and Their Effect on Employers April 11 | 3 mins read more Blog Posts Wake Up and Workout – Why Morning Exercise is Better for You March 21 | 3 mins read more Blog Posts Five Large Contributions Women Made in Healthcare March 7 | 3 mins read more Blog Posts Why Annual Physicals Are a Vital Preventative Care Element March 1 | 3 mins read more Blog Posts Investing in Employee Benefits Education is Beneficial to Both Employees and Employers January 30 | 2 mins read more Blog Posts Health Benefits Education and Direct Primary Care Can Lower Costs for Self-Funded Groups January 30 | 3 mins read more Blog Posts Americans are Five Times More Likely to Experience Increased Stress Levels During the Holidays December 20 | 2 mins read more Blog Posts How Benefit Design Can Help Employers Remain Competitive December 7 | 2 mins read more Blog Posts Prediabetes: When to Worry About the Precursor to Diabetes November 17 | 3 mins read more Blog Posts An Affordable Healthcare Alternative for Non-Benefited Employees April 25 | 3 mins read more Blog Posts Direct Primary Care is a Win for Brokers, Employers, and Employees February 22 | 2 mins read more Blog Posts A New Healthcare Offering for Uninsured Children February 18 | 3 mins read more Blog Posts Hope for Escalating Healthcare Costs February 18 | 2 mins read more Blog Posts Give Employers an Affordable Complement to HDHPs February 18 | 3 mins read more Blog Posts DPC: A No-Claims Approach to Essential Primary Care February 11 | 3 mins read more Blog Posts What Employees Really Want in a Job January 31 | 3 mins read more Blog Posts Solutions to Alleviate Financial Worries in Healthcare January 24 | 2 mins read more Blog Posts DPC Addresses Cumulative Effects of Inflation and Escalating Health Insurance Costs January 17 | 3 mins read more Blog Posts Addressing Healthcare Deserts with Affordable Solutions January 10 | 3 mins read more Blog Posts A New Approach to Customized Benefits January 3 | 2 mins read more Blog Posts Employee Well-Being is the New Normal December 6 | 2 mins read more Blog Posts The U.S. Ranks Last in Healthcare Equity and Affordability Among High-Income Nations November 17 | 2 mins read more Blog Posts Diabetes Awareness Can Save Lives [Affordable Access to Healthcare Can Help Detect, Treat and Manage Chronic Diseases Such as Diabetes] November 8 | 3 mins read more Blog Posts Benefits as a Recruitment Strategy [Cost-Effective Solutions Such As Direct Primary Care Provide Customizable Benefits] September 20 | 3 mins read more Blog Posts The Importance of Health Screenings [Direct Primary Care Memberships Provide Access to Routine Healthcare] September 15 | 3 mins read more Blog Posts Helping Employees Understand Their Benefits September 2 | 2 mins read more Blog Posts The Consequences of Delaying Medical Care August 18 | 2 mins read more Blog Posts Major Shifts in Healthcare [Implementing Long-Term Strategies for Telemedicine and Virtual Care] August 4 | 2 mins read more Blog Posts Why Millennials Ignore Health Issues July 19 | 2 mins read more Blog Posts Anti-Aging Secrets: An Unexpected Benefit of Primary Care? 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