An Affordable Way Small Businesses Can Comply with Obamacare

Date: December 14, 2015

With Obamacare compliance and the high cost of health insurance topping the list of concerns for small employers, is it any surprise fewer small businesses offered health insurance to their employees this year?

But there is good news for employers who want to provide an affordable health benefit to their employees that is compliant with the Affordable Care Act. 

Direct Primary Care (DPC) is an innovative model for delivering and purchasing health care services that gives primary care physicians and their patients an alternative to the traditional fee-for-service health insurance system. For a flat monthly fee, typically between $60 and $100 per month, businesses can offer their employees unlimited access to a family doctor for a full range of comprehensive primary care services including acute and urgent care, regular checkups, labs, preventive care, chronic disease management, and care coordination.

In a Direct Primary Care practice, patients get concierge-level care – better access and more time with their physician. Physicians spend more of their time treating patients rather than dealing with the hassles and cost associated with billing a health insurance company. Access is enhanced by removing financial barriers like co-pays and deductibles, while providing same and next day visits.

By increasing the scope of primary care, expenditures are redirected at lower cost interventions and away from more costly settings – inpatient and outpatient settings, specialist offices, ER, and urgent care centers – resulting in lower health care costs and higher quality care. Coupled with an appropriate wrap-around insurance plan, DPC can save employers significant health care costs while adhering to the requirements of the ACA.

Our current fee-for-service payment model for primary care misaligns incentives to drive volume of care over the value of care, decreases the time a physician can spend with patients, and ultimately limits access to care. DPC handles 85-90 percent of patients’ health care needs and caps the cost into an affordable, manageable, flat monthly fee. As a result, insurance use and cost are minimized to rare occurrences.  

As such, Direct Primary Care offers small businesses hope. Your employees will receive their medical care from a competent, caring primary care doctor instead of an insurance conglomerate. To learn more about how to create a relationship with a DPC practice to improve your employee health benefit, contact the Texas Academy of Family Physicians today.

Related Content: Small Business News | Healthcare | Texas

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