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Employers
“Workers who have health insurance are significantly less likely to miss work than uninsured workers. This suggests that there are potential financial benefits to employers who provide health coverage to employees.” Agency for Healthcare Research and Quality – HS00005
It is good business to ensure access of your employees to “a full scope of Primary Care Medical Services.” Best would be full indemnity medical insurance. But some employers and employees simply cannot afford that option.
Going without timely care caused a disability in more than 10% of cases and 30% reported a loss of time at work or other activities.Kaiser Low-Income Coverage and Access Survey, Karyn Schwartz, 6-2007
DirectcareMD provides an alternative.
It is not insurance, but a service, but a service contract. It does not protect your employees from catastrophic loss - but does guarantee their access to office based medical care. It will also link them to a physician for their work related injuries.
Insurance regulation enacted in 2007
prohibits employers from directly paying for directcareMD on behalf of their employees. The employee must maintain direct relationship with directcareMD. The employers however can encourage individual participation of employees and their families. They can even deduct payments after taxes and other withholdings as a courtesy to their employees. (Just as you might permit personal use of a company credit card.) If supported by your tax consultant, and employer may choose to reimburse employees. You might recognize the convenience and predictability of this retainer arrangement to be similar to the maintenance agreement many businesses have on their copy machine or as homeowners have for their lawn maintenance - but in this case, you protect your most important asset: your health.