Exploring Healthcare Coverage Alternatives

Inaccessibility to low-cost health insurance is a fact of life for many people, as well as employers who want to offer part-time and 1099 workers solutions. Where can people turn to when they want affordable healthcare coverage? Charlie Geiselhart, CRO of Healthcare2U, spoke with Daniel Litwin about how more companies and people are considering new, out-of-the-box solutions. When faced with selecting a healthcare coverage plan for employees, companies may have options, but they may not always be viable. Healthcare2U is a membership-based, direct primary care organization that provides employers, brokers and patients with complete primary and urgent care nationwide. “From an employer’s perspective, there are alternatives out there, but they’re costly,” Geiselhart said. “The high-deductible plan’s been out there for a long time. For an employee, it's expensive to buy coverage. It’s expensive to use coverage. So, a lot of people are going without coverage.” Geiselhart said that, with all the choices available, it can be challenging to navigate the space. “The layperson doesn’t understand how insurance operates, so what we’ve decided to do is do a lot of handholding through our coverage and our program that allows them to make one phone call and access care,” Geiselhart said. This access, Geiselhart said, is essential. When it comes to issues surrounding healthcare coverage, costs, etc., the average person wants help and needs advice and expertise regarding navigating a world they typically spend their time avoiding. Healthcare brokers recognize that they have traditional coverage offerings for many employers and employees. Still, those traditional offerings leave a large pool of people off the table. Those left outside looking in still want access to healthcare coverage. “There are a lot of brokers operating in the traditional sense, but there’s new and exciting alternatives that a lot of brokers haven’t explored,” Geiselhart said. Healthcare2U is one such possibility.