Introducing Total Access
A fixed-cost healthcare model for self-funded employers that reduces total spend
For a simple monthly fee, employees get unlimited access to urgent care, primary care, and essential diagnostics—with no copays or per-visit billing.
See How Total Access Reduces Spend
Download the full financial model, including detailed assumptions, utilization shifts, and real-world impact.
See the Full BreakdownWhat is Total Access?
Total Access replaces fragmented, per-visit healthcare spending with a simple, fixed monthly model. For a set per-employee fee, employers provide their workforce with unlimited access to primary care, urgent care, telemedicine, and basic diagnostics—without copays or out-of-pocket costs.
This removes the friction that typically delays care or drives employees to higher-cost settings. Instead, employees consistently enter the system through the right level of care, leading to fewer unnecessary ER visits, better chronic disease management, and lower total healthcare spend.
Designed for Employers Looking to Control Healthcare Spend
Total Access is built for self-insured and level-funded employers with 250 or more employees who are looking for a more predictable and controlled approach to healthcare. This is not an individual or retail offering. Total Access is implemented at the employer level as a structured program across an entire workforce.
This model is best suited for organizations that:
- Carry the financial responsibility for employee healthcare costs
- Are seeing rising, unpredictable claims spend
- Want to reduce unnecessary emergency room visits and fragmented care
- Need a clear, consistent entry point into the healthcare system for their workforce
What's Included
Everything your employees need, covered under one flat monthly fee.
Included
- Unlimited primary care
- Unlimited urgent care
- Basic labs (defined menu)
- In-clinic X-rays
- DME (braces, splints, etc.)
Routed Through Insurance
- Advanced labs
- CT / MRI
- Specialist visits
- Hospital care
Why Total Access Works
Defined Entry Point
Employees always know where to go first. This reduces confusion and prevents unnecessary emergency room visits.
Predictable Cost
Core healthcare services shift from variable claims to a fixed monthly cost, improving financial visibility.
Better Utilization
Earlier care, more primary care engagement, and fewer high-cost events lead to lower total spend.
From Fragmented Care to Controlled Cost
Traditional Model
- Unclear where to go
- ER used for non-emergent issues
- Delayed care
- Fragmented follow-up
- Rising, unpredictable costs
Total Access
- Clear, immediate access point
- Urgent care and primary care as default
- Same-day or next-day visits
- Coordinated follow-up
- Lower total cost
The Numbers Are Clear
~42%
reduction in total healthcare spend
$732,500
annual savings in a 500-employee model
$1,465
savings per employee per year
See How Total Access Reduces Healthcare Spend
Download the full financial model, including detailed assumptions, utilization shifts, and real-world impact.
See the Full Breakdown