When talking with business owners, one of the things I often hear is how frustrated they are with their health insurance plan and how difficult it can be for employees to access medical services. They look forward to their annual group health insurance renewal about as much as they look forward to tax time and root canals. (Read: Not at all.) Every year they’re hit with the same decision—pay even more, or take away benefits from employees. None of the folks I talk to want to do either of those things. Most employers I know really do care about their employees and the last thing they want to do is reduce their access to health care options.
Unfortunately—as I’m sure just about any business owner knows—when it comes to offering benefits to employees, employers don’t have much of a choice. With the way our healthcare system is currently set up, there isn’t a long list of viable options when it comes to offering coverage. And, if I’m being honest, way too many health insurance brokers and reps just toe the line and come to renewal meetings armed with the same two cookie-cutter options—you can pay more or give employees less. Geesh, thanks for the forward-thinking guys…
Thankfully, there are actual innovators out there taking advantage of recent legislative changes and groundbreaking ideas to come up with fresh solutions that can help move the needle when it comes to taming health care costs. Health Access Solutions is one of those companies, and I bet they can help your business gain control of healthcare costs no matter how many employees you have.
How A Health Access Membership Helps You Access Medical Services
The Health Access Solutions membership is available as a stand-alone solution for individuals, as well as an employee assistance program for businesses. The membership provides access to medical services such as free preventive services, low-cost prescription drugs, direct primary care, and coverage for vision screening and/or dental cleanings. It is an excellent way to help reduce your health care costs while giving you 24/7 access to primary care.
The Health Access solution is a comprehensive program that’s designed to piggyback with either a traditional health insurance plan or even better, a medical cost-sharing plan. This combination, and the way it’s presented, gives employees access to a range of high-quality health care options at a reasonable, predictable cost to employers. The following components are what make this solution work so well.
Virtual Direct Primary Care (VDPC)
The Health Access Solutions membership includes 24/7 access to a personal care team of doctors, nurses, and health advisors. Best of all, there are no co-pays or no hidden fees. Members can see the same VDPC physician every time via video, phone, and text visits. Their physician can prescribe medication, send orders for labs/imaging, and do follow-ups. They can also do referrals to local medical providers when necessary.
Common health issues supported by virtual direct primary care include:
- Chronic conditions such as asthma, diabetes, high blood pressure, high cholesterol and thyroid disorders
- Prescription medications & refills
- Lab & imaging tests
- Mental health issues
- Common ailments and infections such as cold, fever, bladder infections, sinus problems, skin infections
- Men’s health issues like erectile dysfunction, hair loss and low testosterone
- Women’s health issues like bacterial vaginosis, birth control refills, breast lumps and UTI
- Preventive wellness such as diet, nutrition & fitness counseling, smoking cessation and weight management
Preventive Care, Dental and Vision
As a Health Access Solutions member, you simply submit and receive reimbursement for evidence-based screenings and preventive services including annual wellness exams, women’s annual exams, mammograms, routine vaccinations, and flu shots. Physician-recommended wellness lab services such as cholesterol, comprehensive metabolic panel, complete blood count, thyroid panel, vitamin D, PSA, CRP, and HbA1C also fall under this benefit. Dental cleaning and/or vision exam services are also eligible for reimbursement.
There are no provider network restrictions with these benefits, so you can see any dentist and use whatever lab you want. This lets you take advantage of some of the more cost-effective at-home labs that are available which can help you save time and money. There are limits to how much you can be reimbursed each year, so be sure to check with them to find out what the current reimbursement limits on preventive care and dental/vision are.
* Refer to Health Access Solutions Digital Membership Packet for a complete list of eligible expenses and benefit limits.
Through a partnership with America’s Pharmacy Source, a HA membership also includes access to a nationwide network of pharmacies with a combined 65,000+ locations, including access to manufacturer savings and patient assistance programs, as well as international pharmacies. With predictable pricing starting at just $5 on over 80 acute medications and 100+ maintenance medications, this program aims to help employees taking prescriptions save money. Pharmacy coaching with experienced, licensed pharmacists is also available in an effort to help educate members.
This particular benefit is only for employees who join the Sedera medical cost-sharing community. For those individuals, this out-of-pocket assistance benefit helps ease the strain of unexpected medical costs by reimbursing a member’s 3rd (if an individual member) or 5th (if a family membership) Initial Unshareable Amount as a preventive expense, up to $2,500!
Health Access Membership In Action
Each of these Health Access membership benefits helps to support access to medical services. Examples of the membership in action include:
- Using the preventive care benefit to reimburse $250 of the costs associated with quitting smoking.
- Being reimbused for “well child” exams for kids.
- Having a video appointment at any hour of the day or night at no cost.
- Getting reimbursed up to $250 for routine dental cleaning and/or an annual eye exam.
- Using Cologuard for colon cancer screening and being reimbursed for 100% of the costs.
Affordable Assistance To Access Medical Services
Health Access Solutions is leading the way and putting a fresh spin on what it means to control healthcare costs—giving employees better access to health care, at a lower cost, while helping them take ownership of their health. This program is an affordable way to provide preventive services, access to discount prescription drugs, and 24/7 primary care. It can be an incredibly valuable benefit for employees at a very reasonable cost to employers and works great for individuals as well.
Unlike so many other outfits in the group health coverage space, the folks over at Health Access Solutions aren’t content with just beating their heads against the same wall. They’ve taken the time to look up and realized there is a better way. If you’re tired of getting a headache every year at renewal time, it’s worth checking them out to see if they can stop the pain.