Tag: health plan
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How an Annual Physical at Member Medical Translates to Real Insurance Savings
When most people think of an annual physical, they picture a quick, rushed checkup that ends with a vague “see you next year.” In traditional fee-for-service medicine, routine physicals often feel like an inconvenience—or worse, a surprise bill waiting in the mail due to hidden facility fees and lab markups. At Member Medical, an annual…
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The Power of $0 Copays: Encouraging Employees to Seek Care Early
When employees face a $40 copay or an unfulfilled deductible every time they see a provider, they hesitate to seek care. They brush off persistent symptoms, ignore rising blood pressure, and wait until a health issue becomes unbearable before seeking help. By then, treatment is often complex, invasive, and exponentially more expensive. Member Medical eliminates…
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Why High-Deductible Health Plans Fail Your Workforce
To keep sky-rocketing insurance premiums under control, many small and mid-sized businesses have turned to High-Deductible Health Plans (HDHPs). While HDHPs lower monthly employer costs, they often pass massive out-of-pocket burdens onto employees. As a result, staff members delay preventive care, skip prescriptions, and avoid routine checkups simply because they can’t afford the $5,000 deductible.…
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Take the Surprise Out of Healthcare Budgeting
If there’s one thing CFOs and business owners despise, it’s unpredictable overhead. Health insurance premiums fluctuate significantly from year to year, and variable claims costs make month-to-month cash flow management a headache. Member Medical brings absolute predictability back to your benefits budget. With a fixed, transparent monthly fee per employee, you know exactly what your…
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How Direct Primary Care Reduces Expensive ER and Urgent Care Visits
An ER visit for a non-emergent issue like a deep cut, sprain, or sudden fever can easily cost several thousand dollars. Yet, millions of workers head straight to the emergency department simply because their traditional doctor’s office couldn’t see them for two weeks, or because an issue flared up after 5:00 PM. Member Medical operates…
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The Hidden Cost of “Sick Days”
For most business owners, the cost of employee illness goes far beyond paid time off. When an employee spends half a day in a crowded waiting room or waits three weeks just to see a doctor for a minor ailment, work halts. Absenteeism and “presenteeism”—where workers show up sick and unproductive—cost American businesses hundreds of…
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Level-Funded and Self-Funded Plans Pair Perfectly with Member Medical
If your business utilizes a self-funded or level-funded health plan, you are directly responsible for paying your employees’ medical claims up to a certain threshold. In this setup, every saved claim dollar goes directly back to your company’s bottom line. Integrating Member Medical with a self-funded or level-funded plan is one of the fastest ways…