Model an employer direct-care arrangement from defined cost inputs
The output is an arithmetic scenario. It is not a quote, actuarial projection, insurance recommendation, or guaranteed result.
Enter the number of employees, current annual cost per employee, and emergency-department use. The results show the current totals beside the calculator’s fixed direct-care assumptions.
Inputs and contract terms to verify
Current annual employer and employee premium contributions
Deductibles, copays, coinsurance, and out-of-pocket limits
Primary-care, urgent-care, emergency-department, specialist, and prescription claims
Employee count, eligibility rules, locations, and current utilization
Monthly fees, enrollment charges, included care, and excluded services
Scheduling rules, communication methods, office coverage, and after-hours instructions
Hospital, emergency, specialist, prescription, imaging, and other wraparound coverage
Eligibility files, invoicing, termination terms, and employer reporting
ROI Calculator
Compare the current-cost input with the calculator’s fixed direct-care membership and wraparound-plan assumptions.
Difference under the fixed assumptions
$0
51% below the entered current cost
| Current | Calculator scenario | |
|---|---|---|
| Per employee / year | $7,000 | $3,400 |
| Independent Practice membership ($75/mo) | $900 | |
| Wraparound-plan assumption | $2,500 | |
| Total (50 employees) | $350,000 | $170,000 |
| ER visits / year | 15 | 9 (fixed at 60% of entered baseline) |
Published DPC studies and market reports
52%1
Lower healthcare spend
single-employer case study
−40.5%2
Reduction in emergency department visits
83%3
Independent Practice growth, 2018–2023
$96B4
Projected market by 2033
Employer review sequence
Step 1
Enter the employer figures
Set the employee count, current annual cost per employee, and annual emergency-department visits per employee.
Step 2
Review the model assumptions
The calculator holds membership at $75 per month, wraparound coverage at $2,500 per year, and emergency-department use at 60% of the entered baseline.
Step 3
Search physician listings
Use ZIP code and radius in the directory, then open each practice listing to review its published information.
Step 4
Confirm the employer arrangement
Verify the practice agreement, employee eligibility, enrollment process, billing, plan coordination, and reporting before adoption.
Search independent physician listings
Search by ZIP code and radius. Each listing can show office contact information, services, published fees, and current patient-acceptance status supplied by the practice.
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