As a small business owner, you care about your team and want to support their well-being. However, the cost of traditional health insurance can be prohibitive. Don’t worry! If you’re looking for an affordable, effective way to provide healthcare benefits, direct primary care (DPC) might be the solution you’ve been seeking.

WOW Healing Care is a DPC clinic in Oceanside, CA, that partners with local small businesses to address the healthcare needs of their employees. In this article, we’re going to discuss some of the challenges small businesses face when it comes to health insurance for their employees and look at how DPC can work in conjunction with self-insurance plans.

The Challenge of Healthcare for Small Businesses  

Several aspects of traditional healthcare and insurance pose significant challenges for small businesses.  

• Rising Costs: Healthcare costs and premiums continue to increase, making them unaffordable for many small employers.  
• Administrative Burden: Traditional healthcare plans come with complex administrative requirements that small businesses often lack the resources to manage.  
• Limited Options: Many health insurance plans are tailored to large corporations, leaving small businesses struggling to find options that meet their unique needs.  

Despite these challenges, offering healthcare is essential for attracting and retaining top talent. So how can small businesses strike a balance between affordability and quality care?  

What Is Direct Primary Care (DPC)?  

In case you’re new to the world of Direct Primary Care, DPC is a healthcare model where individuals or employers pay a flat monthly fee to a healthcare provider for a range of primary care services. Because there’s no insurance billing, costs are simplified, and employees gain access to personalized, high-quality care.

With DPC, employees enjoy:

• Unlimited visits for primary care needs.  
• Short wait times and longer appointments with their doctor.  
• Easy access through telehealth or in-person visits.  
• Transparent pricing with no hidden or surprise fees
• A wide range of services, including check-ups, basic men’s and women’s health, minor surgeries, nutrition counseling, preventative medicine, chronic illness treatment, and pediatrics

DPC offers significant benefits for employees while also being an affordable option for small business owners. Let’s explore how you can offer DPC benefits to your team.

How to Offer Healthcare to Employees as a Small Business  

1. Explore Direct Primary Care  

Start by learning more about DPC. Look for partnerships with a DPC provider like WOW Healing Care. Many DPC clinics offer plans specifically tailored to small businesses, with affordable monthly fees and high-quality care for employees.  

Check out WOW Healing Care’s small business offerings here! Based in Oceanside, CA, WOW Healing Care provides top-tier DPC services designed to meet the needs of small businesses, ensuring employees receive exceptional care while employers save money and avoid the headaches of traditional insurance.  

2. Combine DPC with Self-Insurance  

DPC works exceptionally well when paired with self-insurance. Here’s how it works:  

• Primary care through DPC: Employees get their day-to-day healthcare needs covered, including annual checkups, chronic condition management, and minor illnesses.  
• Self-insurance for major medical needs: For unexpected hospitalizations or surgeries, your business can maintain a self-insured plan or purchase catastrophic coverage to handle larger expenses.  
• Stop-Loss Insurance: Many businesses add stop-loss coverage to limit their risk in case of unusually high claims.

This hybrid approach offers significant savings while ensuring comprehensive care for your team. A layered approach ensures your employees have access to the care they need without overwhelming your budget.  

3. Calculate the Costs  

DPC plans typically cost $50–$100 per employee per month, far less than traditional insurance premiums. By combining DPC with a self-insurance or high-deductible plan, you can dramatically reduce your overall healthcare costs.  

4. Communicate the Benefits to Your Team  

Make sure your employees understand all the perks of DPC benefits!  

• Convenience: Employees can quickly access care without the delays or complications of insurance approvals.
• Affordability: DPC eliminates out-of-pocket costs like copays and deductibles for primary care.  
• Quality care: A smaller patient load means doctors can focus on personalized, comprehensive care.  

Advantages of Direct Primary Care for Small Businesses  

DPC offers several key benefits for small business owners:  

Cost Savings  

Traditional insurance plans can cost thousands per employee annually. With DPC, you pay a predictable monthly fee, saving money while ensuring your team receives high-quality care.  

Simplicity  

DPC eliminates the need for insurance billing, reducing administrative headaches. Employers and employees alike benefit from straightforward, transparent healthcare.  

Improved Employee Health  

Because DPC focuses on proactive, preventive care, your team stays healthier, reducing illness-related absences and boosting productivity.  

Enhanced Recruitment and Retention  

Offering healthcare—especially a personalized, accessible option like DPC—makes your business more attractive to potential hires. It also fosters loyalty among your current team.  

Why Choose WOW Healing Care for Your Employees?  

WOW Healing Care specializes in DPC services tailored to meet the needs of small businesses. Our plans include

• Affordability: Cost-effective monthly rates for employers.  
• Comprehensive primary care: Services include wellness visits, chronic disease management, and minor procedures.
• Telehealth options: Convenient care access no matter your location.

Partnering with WOW Healing Care means your business can provide top-tier healthcare without the cost or complexity of traditional insurance.  

Partner with WOW Healing Care for Small Business Health Care!

If you’re wondering how to provide healthcare to employees as a small business, Direct Primary Care is a fantastic option. It’s affordable, effective, and easy to implement—especially when paired with self-insurance for major medical needs.  

Offering healthcare doesn’t have to be complicated or expensive. With DPC, you can create a healthier, happier workplace today.  

Ready to get started? Learn more about WOW Healing Care’s offerings on our website, or contact us to discuss a partnership. Call us at 760-425-4466 to explore how we can help your business thrive!