Offer Virtual Healthcare Benefits at $0 Cost to Your Business!

ClearCost MD is an affordable Direct-to-Doctor virtual healthcare membership designed to help businesses give their employees convenient access to everyday healthcare.

Through ClearCost MD, employees can connect virtually with licensed healthcare providers 24/7 across all 50 states, Washington, D.C., and Puerto Rico for services such as primary care, urgent care, mental health support, dermatology, and more—without needing insurance to enroll.

Employers can offer ClearCost MD as a standalone healthcare benefit or pair it with an existing health insurance plan, giving employees another convenient way to access care from home, work, or on the go.

Direct-to-Doctor care. 24/7 access. Nationwide coverage. Simple for employers. Valuable for employees.

ClearCost MD is not health insurance.

Direct-to-Doctor Care is a simpler healthcare model that allows members to access virtual healthcare without having to use traditional health insurance for covered membership services.

Instead of submitting an insurance claim and dealing with traditional deductibles, copays, coinsurance, or network requirements for included services, ClearCost MD members use their membership to connect directly with licensed healthcare providers for eligible everyday healthcare needs.

This model can help reduce healthcare costs by removing many of the expenses associated with traditional insurance-based care for included services and giving employees a predictable membership cost for everyday virtual healthcare. Convenient access may also help employees address appropriate health concerns virtually before turning to potentially more expensive options such as urgent care or the emergency room.

Members have 24/7 virtual access across all 50 states, Washington, D.C., and Puerto Rico, allowing them to access care from home, work, or while traveling.

For employers, ClearCost MD provides a cost-conscious way to expand healthcare access, enhance employee benefits, and give employees another option for managing everyday healthcare expenses.

Direct-to-Doctor Care means fewer barriers, more convenient access, and a smarter way to manage everyday healthcare costs.

ClearCost MD is not health insurance.

ClearCost MD can work with businesses of all sizes and across a wide range of industries that want to provide employees with convenient, affordable access to virtual healthcare.

ClearCost MD can be especially valuable for businesses with full-time, part-time, hourly, seasonal, or 1099 workers, as well as employers looking to enhance their existing benefits or provide a healthcare option to workers who may not qualify for traditional health insurance benefits.

Industries can include insurance agencies, business chambers, restaurants and hospitality, construction and skilled trades, transportation and logistics, staffing agencies, home healthcare, retail, cleaning and maintenance services, professional services, small businesses, and more.

Whether you have a few employees or a growing workforce, ClearCost MD's Direct-to-Doctor membership provides a flexible way to offer 24/7 virtual healthcare access across all 50 states, Washington, D.C., and Puerto Rico.

ClearCost MD is not health insurance.

ClearCost MD’s Direct-to-Doctor model is designed to help employers and employees better manage everyday healthcare costs by providing direct virtual access to licensed healthcare providers without relying on traditional health insurance for covered membership services.

ClearCost MD can help reduce costs by:

• Providing 24/7 virtual access for eligible healthcare needs
• Eliminating traditional copays, deductibles, and coinsurance for covered membership services
• Giving employees an alternative to potentially more expensive urgent care and non-emergency ER visits when virtual care is clinically appropriate
• Helping employees address healthcare needs earlier and more conveniently
• Providing access to additional healthcare savings and discount programs
• Offering employers a predictable monthly membership cost

For employers with traditional health insurance, ClearCost MD can also be paired with an existing health plan to provide employees with another cost-conscious option for everyday care.

Lower-cost access. Fewer financial barriers. A smarter way to handle everyday healthcare.

Actual savings vary based on healthcare utilization and other factors. ClearCost MD is not health insurance and does not replace comprehensive medical coverage.

Yes. ClearCost MD gives businesses an affordable way to provide employees with convenient access to virtual healthcare.

Employees can access licensed healthcare providers virtually for services such as primary care, urgent care, mental health support, dermatology, and more.

ClearCost MD can be especially valuable for part-time or full-time employees, hourly workers, 1099 contractors, and businesses looking for an affordable healthcare benefit without the high cost associated with traditional health insurance.

ClearCost MD is not health insurance.

No. ClearCost MD is not health insurance.

ClearCost MD can be offered as a standalone healthcare membership or alongside an existing health insurance plan to give employees convenient access to everyday virtual healthcare.

For employers that already offer insurance, ClearCost MD can help employees access care without always relying on urgent care, emergency rooms, or waiting days for an office appointment.

For businesses that don't currently offer traditional health insurance, ClearCost MD provides an affordable way to give employees access to valuable everyday healthcare services.

ClearCost MD is not health insurance.

No. Employers have flexibility in how they offer ClearCost MD to their workforce.

Your business can choose to cover the full cost of the membership, contribute toward the cost, or simply make ClearCost MD available as a voluntary benefit that employees pay for themselves.

This gives businesses of all sizes an opportunity to provide employees with access to affordable virtual healthcare—even if adding another employer-paid benefit isn't currently in the budget.

ClearCost MD is not health insurance.

For businesses providing ClearCost MD to employees, there is a potentially strong tax angle. The IRS says employers can generally deduct the cost of group hospitalization and medical coverage provided to employees as a business expense.  Depending on how ClearCost MD is structured and administered, employer-paid memberships may therefore qualify as deductible employee healthcare/benefit expenses. A CPA or benefits attorney should confirm the treatment for the specific arrangement. 

No. An employee's healthcare information remains private and is handled in accordance with applicable healthcare privacy requirements.

Employers do not receive an employee's diagnosis, prescriptions, medical records, or details about why the employee used ClearCost MD simply because the employer sponsors the membership.

Your employees can use their healthcare benefits with the confidence that their personal medical information remains private.

ClearCost MD is not health insurance.

When employees have convenient access to healthcare, they may be able to address everyday health concerns sooner without spending hours traveling to and waiting at a doctor's office or urgent care.

ClearCost MD gives employees access to virtual healthcare while helping businesses offer a benefit that can support employee satisfaction, recruitment, retention, and a healthier workforce.

It's a practical healthcare solution for businesses that want to say: “We care about our employees” without adding another complicated benefit.

ClearCost MD is not health insurance.

Yes!

Group rate discounts depends on the size of workforce. Speak to a ClearCost MD representative by contacting, leadership@clearcostmd.com or filling out the form below to see what group rate discounts your business qualifies for.

Employees can enroll in ClearCost MD throughout the year—there's no need to wait for an annual open enrollment period.

Unlike traditional health insurance, ClearCost MD is a healthcare membership, so eligible employees can be added when your company launches the benefit or as new employees join your team.

This gives employers the flexibility to provide employees with affordable virtual healthcare access when they need it, without waiting for traditional insurance enrollment periods.

ClearCost MD is not health insurance.

Yes! ClearCost MD can be offered alongside your company's existing health insurance plan to give employees another convenient and affordable way to access everyday healthcare.

Employees can use ClearCost MD for eligible virtual healthcare services such as primary care, urgent care, mental health support, dermatology, and more, while continuing to use their health insurance for services such as hospitalizations, specialists, procedures, and other major medical needs.

For employers, this can help enhance your existing benefits package and give employees more options for accessing care without replacing their current health coverage.

ClearCost MD is not health insurance.

Yes! Employers can feature ClearCost MD as a virtual healthcare benefit or employee perk in job postings to help their opportunities stand out and attract potential employees.

When posting jobs, employers should clearly describe whether the ClearCost MD membership is employer-paid, partially employer-funded, or offered as an employee-paid voluntary benefit.

Better benefits can help attract better talent and ClearCost MD gives employers another benefit to put on the table.

ClearCost MD is not health insurance.

You can email: leadership@clearcostmd.com or hit schedule my free business consultation below!