Onsite and In Demand:
Helping Large and Small Employers to Lower Health Costs
With the various provisions in the Affordable Care Act and opt-out-only requirements for employee health coverage, it’s clear that Healthcare Reform will push many smaller employers to opt for self-funding.
As a positive, self-insured plans are exempt from medical loss ratio requirements and aren’t subject to risk-adjustment.
Onsite healthcare for employees attracts self-funded groups because visits are paid directly by the employer. No claim is filed. Group health insurance typically is conducted in a fee-for-services model. The more physician services, the higher the bill. With an onsite health center, however, the employer controls spending by paying a flat fee and pass-through costs without any markup.
Employers can stick with their current healthcare plan and benefits provider. The only difference is that the employees now have the option to handle medical appointments and wellness visits at the worksite rather than at more costly outside providers. As a result, the costs for operating an onsite health center are 30-70 percent less than paying for a fee-for-service model.
Dozens of onsite health centers popping up across Florida have succeeded with the help of Crowne Consulting Group, Inc. , which partners with Tennessee-based CareHere to handle administration and operations of the onsite health center.
While many private companies have opened their onsite health centers, public entities including cities, counties, and school districts, have led the charge in recent years.
Importantly, the Crowne-CareHere model is completely scalable, which means it can work for employers from small to large. Crowne Consulting Group has helped self-funded employers in Florida ranging from 175 employees to 8,500 employees. Employers have managed to save millions of dollars in healthcare costs and decrease their prescription drug expenditures.
See video about Onsite Care Sweeping Florida http://crowneinc.com/2012/10/.
What’s more is that it’s not just the employer seeing the savings – the employees are also reaping the benefits. Employee utilization remains high because employee health centers offer on-demand medical service for employees, their dependents, and the retiree population for no out-of-pocket costs.