For small businesses in Missouri, healthcare costs have become unmanageable. A traditional group health plan can run $700-1,200 per employee per month — often more than rent for a small office. Many small employers are finding a better path: Direct Primary Care as the primary care layer in their benefits stack.
How DPC Works for Employers
Instead of (or in addition to) traditional insurance, you pay a flat per-employee-per-month fee — typically $80-100 per employee — directly to a DPC practice. Your employees get unlimited primary care access: same-day appointments, direct text/call/email to the doctor, longer visit times, wholesale labs and medications.
You typically pair this with a lower-cost catastrophic or high-deductible health plan that handles hospitalizations and specialist care. The combination usually costs 30-50% less than traditional comprehensive insurance.
What Employers Save
Example: a 15-person small business in Blue Springs paying $850/employee/month for traditional group insurance is spending $153,000/year. Switching to a DPC + HDHP combination at $300/employee/month total (DPC $99 + HDHP $200) drops the cost to $54,000/year. That’s $99,000/year in savings for a 15-person company.
What Employees Gain
Beyond cost savings, employees typically report dramatically better experience under DPC:
- They can actually see a doctor when they need one (same-day appointments)
- They have their doctor’s cell number for non-emergency questions
- No copays or surprise bills
- Faster recovery from minor illness (treated earlier)
- Better chronic disease management (longer appointments, more support)
What’s Included in the Employer Plan
At Garcia Family Medicine, our employer plan includes everything in the individual DPC membership:
- Unlimited primary care visits
- Same-day or next-day appointments
- 24/7 direct access to Dr. Tess
- Wholesale-priced labs and imaging
- Discounted prescription medications
- Annual wellness exams
- Mental health screening and medication management
- Chronic disease management
- DOT physicals (for relevant employees)
How Implementation Works
Typical timeline:
- Discovery call with Dr. Tess and Gigi to understand your team and current benefits
- Proposal with per-employee pricing and recommended catastrophic plan options
- Plan rollout with employee onboarding sessions
- Optional: open enrollment alignment with your existing benefits cycle
Who This Works Best For
DPC employer plans tend to work especially well for:
- Small businesses (5-50 employees)
- Companies with a mostly local workforce in the Kansas City metro
- Companies whose insurance costs are growing faster than revenue
- Trades, professional services, healthcare, restaurants, retail
- Companies that want to differentiate on benefits
Get a Proposal
If your small business is in the Blue Springs, Independence, Lee’s Summit, or greater Kansas City area, we’d love to talk. See our Employer Health Access Plan page or call (816) 330-7575 for a custom proposal.