Adding Direct Primary Care as a Health Benefit for Your Employees
Small business owners/non-profit owners often want to care well for their teams, but traditional health insurance can be costly while employees still face copays, high deductibles, and rushed visits. Direct Primary Care (DPC) offers a simpler option. A RiverRock Clinic membership gives employees unlimited primary care visits, discounted labs, convenient scheduling, and direct access to their doctor (text, email, and portal message).
We use the analogy that DPC can take care of about 90% of everyday healthcare needs—from preventive exams to chronic disease management to minor procedures. The remaining 10%—major accidents or rare serious illnesses—are best covered by either a high-deductible insurance plan or a health share.
Proposed Benefits to Your Business
Possible Improved Employee Health – Consistent preventive care and close management of chronic conditions like diabetes, depression, hypertension, and psoriasis.
Possible Reduced Absenteeism – Timely, accessible appointments mean problems are addressed early instead of turning into prolonged sick days.
Cost Predictability – Flat monthly fees simplify budgeting for both employer and employee.
Employee Trust & Loyalty – Investing in your team’s health shows respect and builds long-term commitment.
Lower Overall Healthcare Costs – Early intervention reduces expensive hospitalizations that could raise insurance or health share costs for the entire company.
Option 1: RiverRock Clinic Membership + Marketplace Insurance
The most robust approach is pairing marketplace insurance with a RiverRock Clinic membership. The RiverRock membership handles the majority of care without additional fees and can bill the insurance just like a typical doctor’s office for routine lab work/xrays etc. What works well financially is pairing a RiverRock Clinic Membership with a “bronze” aka “low-premium, high-deductible” plan to protect employees from catastrophes such as ICU stays or cancer diagnoses.
Option 2: RiverRock Clinic Membership + Health Share
A Health Share is an alternative to health insurance that often costs about half as much. Brokers like HSA for America (free to talk to) can help businesses compare Health Shares such as the popular health shares: Sedera, Zion and more. In addition, some health shares (such as Sedera) offer around 15% discounts when members use a DPC clinic like RiverRock Clinic. At RiverRock Clinic, we arrange discounted no-insurance/self-pay labs and imaging and work closely with patients to find the most affordable medication options.
Option 3: RiverRock Clinic Membership alone
This route is chosen when no catastrophic coverage is possible. Because DPC is not insurance, employees would not have protection for rare, high-cost events, but they would still have affordable, relationship-based access to a family doctor. We use the analogy that DPC can take care of about 90% of everyday healthcare needs—from preventive exams to chronic disease management and minor procedures. In addition, for our patients without insurance, we utilize labs and imaging centers that are typically a fraction of the full insurance cost. At RiverRock Clinic, we arrange discounted no-insurance/self-pay labs and imaging and work closely with patients to find the most affordable medication options.
Additional details
When it comes to paying for the membership, the standard rate is $100 per member per month for as long as the employee is employed at your company/non-profit. Some employers choose to pay directly using a card kept on file, while others encourage employees to use their HSA to cover the membership cost.
Offering DPC to employees can be of great value to employees—improving health, lowering overall healthcare costs, and fostering trust and loyalty among your team.
Discuss your options directly with the founder and physician of RiverRock Clinic in a complimentary meet & greet to learn how RiverRock Clinic membership can work for your organization.
