Direct primary care (DPC), as the name implies, is a type of program that provides and covers care from a primary care physician (PCP). Typically, this means only PCP visits are covered but not other services or providers.
DPC is not health insurance, but it does provide primary health coverage within specific parameters for a set monthly fee. Some employers offer it as a supplement to health insurance coverage, while others offer it in lieu of health insurance. (Likewise, consumers can buy it directly for similar situations.)
There are several benefits for employers opting to provide DPC coverage:
- Typically, this coverage is much cheaper than providing standard health insurance if you’re not going to provide both.
- It can help employees get preventive care when they otherwise may not have been able to because of unaffordable coverage options or high out-of-pocket costs.
- Preventive care can reduce long-term health problems and costs for employees, thus reducing absenteeism related to those problems.
- It can be used as a recruiting tool, especially in industries where healthcare benefits are uncommon.
- The costs for DPC plans don’t typically rise as quickly year to year as with standard health insurance.
There are also benefits for employees who have DPC coverage. For example:
- This type of plan usually means the individual gets more quality time with his or her PCP. The person can spend more time discussing issues and formulating care plans. PCPs who participate in these programs are freed from the burdens of insurance filings, so they have more time for patients and a lower breakeven point in terms of number of patients seen each day.
- The out-of-pocket costs of such a plan are usually low for employees. Continue reading here…
Source: HR Daily Advisor