Small businesses typically spend $746 per employee monthly on health insurance, but there’s a complete benefits solution for just $39.95 that includes 24/7 telehealth, identity protection, and financial wellness—here’s how it’s transforming talent retention.
Key Takeaways
- y Takeaways
- Small businesses pay an average of $746 per employee monthly for health insurance, but Allutional offers complete benefits for just $39.95 per employee per month
- Employee benefits platforms can save HR teams significant hours weekly by consolidating telehealth, security, and wellness services into one provider
- Telehealth visits through modern platforms cost substantially less than traditional in-person visits, which range from $136-$176
- Manufacturing and office businesses are turning to affordable alternatives that provide better talent attraction and reduce workers’ compensation claims
Small business owners face a crushing reality when it comes to employee benefits. Rising healthcare costs force difficult choices between competitive benefits and operational survival. However, new solutions are emerging that challenge traditional insurance models while delivering complete coverage at a fraction of the cost.
Small Businesses Pay an Average of $746 Per Employee – Here’s the $39.95 Alternative
The statistics tell a stark story. Small business owners shell out an average of $746 per employee monthly for single health insurance coverage, with family plans soaring to $2,131. These crushing costs often force business owners to choose between providing adequate benefits and maintaining profitability. Many small businesses struggle to compete with larger corporations that can negotiate better rates due to their size and bargaining power.
Traditional insurance models weren’t designed for small businesses. They’re built around large-scale operations with predictable risk pools and substantial negotiating power. Small employers get stuck with premium pricing for basic coverage, often paying the same rates as much larger companies despite having different risk profiles and needs. Healthcare industry analysts are tracking how telehealth advances are reshaping the benefits market, creating new opportunities for cost-effective coverage.
The $39.95 alternative represents a fundamental shift in how employee benefits are structured and delivered. Instead of traditional insurance models, this approach focuses on direct service delivery through complete platforms that eliminate many middleman costs and administrative overhead.
The $39.95 Solution That Delivers 60% Savings Over Traditional Plans
1. Complete Benefits Without Traditional Insurance Costs
The new approach eliminates many traditional insurance overhead costs by providing direct access to services rather than reimbursement models. This structure removes layers of administrative complexity, claim processing delays, and network restrictions that drive up costs in conventional plans. Small businesses get immediate access to complete benefits without the bureaucratic maze typical of traditional insurance.
By focusing on service delivery rather than risk pooling, these platforms can offer predictable monthly costs that don’t fluctuate based on claim experience or market conditions. This stability helps small business owners budget more effectively and plan for the future without worrying about surprise premium increases or benefit cuts.
2. 24/7 Telehealth vs. $136-$176 In-Person Visits
A study from Health Recovery Solutions reveals the dramatic cost difference between telehealth and traditional medical visits. In-person consultations typically cost between $136-$176, while telehealth visits range from $40-$50. However, modern benefits platforms often provide telehealth services with $0 copays, delivering even greater savings. The actual cost can vary depending on insurance coverage, the provider, and the specific service required.
This cost advantage extends beyond simple consultations. Telehealth reduces time away from work, eliminates transportation costs, and provides immediate access to care that can prevent minor issues from becoming major health problems. For small businesses, this translates to reduced sick days, lower workers’ compensation claims, and improved overall productivity.
3. One Platform Replaces Multiple Vendor Relationships
Traditional benefits often require managing relationships with multiple vendors – health insurance carriers, dental providers, vision care companies, wellness program administrators, and security service providers. Each relationship involves separate contracts, billing systems, and administrative overhead that can overwhelm small business HR teams.
Consolidated platforms eliminate this complexity by providing all essential benefits through a single provider relationship. This simplification reduces administrative burden, streamlines billing, and provides consistent support across all benefit categories. Small businesses can focus on their core operations rather than managing complex vendor ecosystems.
Why Manufacturing and Office Businesses Turn to Allutional
Manufacturing: Reduced Downtime and Workers’ Comp Claims
Manufacturing environments present unique challenges for employee health and safety. Workers face physical demands, potential injury risks, and often limited access to immediate medical care during shifts. Modern benefits platforms address these specific needs through 24/7 telehealth access that can handle minor injuries, health consultations, and preventive care without requiring time off or expensive emergency room visits.
The impact on workers’ compensation costs can be substantial. When employees have immediate access to medical guidance through telehealth services, minor issues get addressed before they escalate into serious injuries requiring extensive treatment. Identity protection services also become vital for manufacturing workers whose personal information may be more vulnerable due to less sophisticated workplace cybersecurity measures.
Office Workers: Better Talent Attraction and Retention
Office environments face different challenges, primarily around talent competition and employee retention. Knowledge workers expect complete benefits packages that support their lifestyle and career goals. Financial wellness programs become particularly valuable for office workers dealing with student loans, retirement planning, and complex financial decisions.
The ability to offer robust benefits at $39.95 per employee monthly allows small offices to compete directly with larger corporations for top talent. Complete packages that include mental health support, financial planning tools, and business security features appeal to professionals who value well-rounded benefits over just basic health coverage.
Six Essential Benefits That Transform Employee Coverage
1. 24/7 Telehealth Services with $0 Copays
Round-the-clock access to healthcare professionals fundamentally changes how employees interact with medical care. Instead of waiting for appointments, taking time off work, or visiting expensive urgent care facilities, employees can consult with doctors and therapists immediately through secure digital platforms. This immediate access often prevents minor health issues from developing into serious conditions that require extensive treatment.
The $0 copay structure removes financial barriers that might prevent employees from seeking care. When cost isn’t a factor in the decision to consult a healthcare professional, employees are more likely to address health concerns proactively rather than waiting until problems become severe and expensive to treat.
2. Identity Protection with Fraud Resolution Support
Identity theft affects millions of Americans annually, with small business employees often lacking the resources to properly protect themselves or recover from fraud. Complete identity protection goes beyond simple monitoring to provide dedicated fraud specialists and up to $10,000 in expense reimbursement coverage for identity theft recovery.
The resolution support proves particularly valuable when identity theft occurs. Having access to experienced professionals who can guide victims through the complex process of restoring their identity and credit saves time, reduces stress, and improves outcomes compared to trying to handle identity theft recovery independently.
3. Financial Wellness Platform
Financial stress directly impacts workplace productivity, with employees spending significant work time worrying about personal finances rather than focusing on job responsibilities. Complete financial wellness platforms provide practical tools for budgeting, debt management, and long-term financial planning that help employees gain control over their financial lives.
One-on-one coaching services prove especially valuable for employees facing complex financial decisions. Whether dealing with student loan repayment strategies, home buying decisions, or retirement planning, having access to professional financial guidance helps employees make better decisions and reduces the financial anxiety that can negatively impact work performance.
4. Business Security and Legal Protection
Small businesses face increasing cybersecurity threats without the resources to implement enterprise-level security measures. Modern benefits platforms that include business security features provide cyber monitoring, legal protection, and data security services that help protect both the business and its employees from digital threats.
Legal protection services become particularly valuable for small businesses that can’t afford to keep attorneys on retainer. Having access to legal professionals for document review, contract analysis, and basic legal guidance helps small businesses avoid costly legal mistakes and handle complex regulatory requirements more effectively.
5. Mental Health Support
Mental health challenges affect workplace productivity, employee retention, and overall business performance. Modern platforms that include mental health support provide employees with confidential access to licensed therapists and counselors through secure telehealth connections, removing barriers that might prevent employees from seeking help.
The stigma around mental health often prevents employees from accessing traditional mental health services through employer insurance plans. Direct access through telehealth platforms provides privacy and convenience that encourages employees to address mental health concerns before they impact work performance or require more intensive interventions.
6. Savings on Vision, Dental and Prescriptions
Traditional vision and dental insurance often provides limited coverage with high deductibles and restricted networks. Modern benefits platforms typically offer discount programs that provide significant savings on routine vision care, dental services, and prescription medications without the complexity of traditional insurance claims processes.
Prescription discount programs can be particularly valuable for employees with chronic conditions requiring ongoing medication. These programs often provide savings that exceed traditional insurance copays, especially for generic medications and common prescriptions that employees need regularly.
How Employee Benefits Platforms Save HR Teams Significant Hours Weekly
All in One Place: Telehealth, Security and Wellness Benefits From a Single Provider
Managing multiple benefit providers creates significant administrative overhead for small business HR teams. Each provider requires separate enrollment processes, billing reconciliation, employee communications, and ongoing account management. Employee benefits platforms that consolidate all services under one provider relationship eliminate this complexity and dramatically reduce administrative time requirements.
Single-provider platforms typically offer unified enrollment systems, consolidated billing, and integrated employee communication tools that streamline benefits administration. Instead of coordinating with multiple vendors to resolve employee issues or update coverage information, HR teams work with one support team that can handle all benefit categories efficiently.
No Need to Schedule Doctor’s Appointments and Juggle Insurance Payments
Traditional health insurance requires employees to handle complex provider networks, schedule appointments during business hours, and manage insurance claims and payments. This process often involves HR support when employees encounter problems with coverage, provider access, or claim disputes. Telehealth-centered platforms eliminate most of these administrative touchpoints.
When employees can access healthcare services directly through digital platforms without insurance claims processing, HR teams spend less time fielding benefits-related questions and resolving coverage disputes. The simplified access model reduces the administrative burden on both employees and HR staff while providing better service delivery.
Small Businesses Are Choosing $39.95 Complete Benefits Over Traditional Plans
The shift toward modern benefits platforms reflects changing priorities among small business owners who need predictable costs and streamlined administration. Traditional insurance models with their complex pricing structures, annual renewals, and unpredictable premium increases create budgeting challenges that many small businesses can no longer absorb.
The $39.95 monthly cost per employee provides budget certainty that allows small businesses to plan effectively while offering competitive benefits that help attract and retain quality employees. This predictable pricing model eliminates the annual scramble to find affordable coverage as traditional insurance premiums continue rising faster than business revenues.
Success stories from manufacturing facilities and office environments demonstrate measurable improvements in employee retention, productivity, and overall business performance when complete benefits are implemented. The combination of immediate healthcare access, financial wellness support, and security services addresses the real needs of modern employees while providing clear value to employers.
For small businesses ready to break free from crushing traditional insurance costs while providing superior employee benefits, platforms like Allutional offer a practical solution that delivers measurable results at an affordable $39.95 monthly rate per employee.
Leave a Reply