Small business owners face a critical decision when choosing telehealth benefits: pay $79 per visit or opt for unlimited family coverage at $39.95 monthly. But the real surprise isn’t in the basic math—it’s what else comes included.
Key Takeaways
- Allutional’s flat $39.95 monthly fee covers unlimited telehealth visits for up to 8 family members with zero copays, while Amwell charges per visit starting at $79
- Annual costs for families using 6 telehealth visits can reach $474 with Amwell versus $479.40 with Allutional, but Allutional includes mental health, vision, dental, and prescription discounts
- Business owners get enhanced protection features with Allutional, including up to $1 million identity theft coverage and legal services
- Uninsured employees face significantly higher costs with per-visit models, making subscription services more predictable for budget planning
- Beyond basic telehealth, complete packages offer additional value through financial wellness coaching and business protection tools
Small business owners and HR managers face mounting pressure to provide affordable healthcare benefits while controlling costs. The choice between per-visit telehealth services and monthly subscription models can significantly impact both employee satisfaction and company budgets.
One Monthly Fee Versus Per-Visit Charges
The fundamental difference between telehealth providers lies in their pricing structure. Traditional per-visit models charge for each consultation, creating unpredictable monthly expenses that can strain both personal and business budgets. Subscription-based services offer a fixed monthly cost that covers unlimited visits, providing financial predictability for small businesses planning their healthcare benefits.
Per-visit charges typically range from $30 to $150 per consultation, though costs can vary significantly based on the type of care needed and insurance coverage status. TelehealthWatch provides detailed comparisons to help business owners evaluate these different pricing models. This variability makes it challenging for small businesses to accurately budget for employee healthcare needs, especially when dealing with families who may require frequent medical attention.
Monthly subscription models eliminate the guesswork by providing unlimited access for a fixed fee. This approach particularly benefits families with children, individuals with chronic conditions, or employees who prefer proactive healthcare management. The predictability allows HR departments to accurately forecast healthcare benefit costs throughout the year.
Allutional’s Complete Package at $39.95
Allutional positions itself as a complete solution for small businesses seeking predictable healthcare costs. The company’s monthly subscription model covers significantly more than basic telehealth services, creating a benefits package that extends beyond traditional medical care.
Up to 8 Family Members With Zero Copays
The $39.95 monthly fee covers the employee, their spouse or domestic partner, and up to six dependent children over age two. This family coverage includes unlimited telehealth visits with zero copays or deductibles, plus mental health support. The service provides 24/7/365 access to board-certified physicians through video or phone consultations.
Mental health coverage represents a significant value addition, as therapy sessions through traditional providers can cost $100 to $300 per appointment. Allutional includes this support without additional fees, addressing the growing demand for accessible mental health services in employee benefit packages.
Business Owner Protection Features
Business owners receive enhanced protection through Allutional’s Business Sense package. This includes up to $1 million identity theft expense reimbursement, compared to $10,000 for regular employees. The enhanced package also provides business monitoring services, legal consultation services, and private WiFi protection for up to 10 devices.
Legal services include document review, collection letters, and one-on-one consultations for new legal matters. These features address common small business needs that typically require separate service contracts, consolidating multiple vendor relationships into a single monthly payment.
Vision, Dental, and Prescription Discounts
Allutional extends value beyond telehealth through discount programs for vision, dental, and prescription services. These discounts operate through nationwide networks, providing reduced out-of-pocket expenses for common healthcare needs that traditional telehealth services don’t address.
Prescription savings can be particularly valuable for families managing chronic conditions or requiring regular medications. The discount program works at participating pharmacies nationwide, offering savings on both brand-name and generic medications without requiring separate membership fees.
Amwell’s Variable Pricing Model
Amwell operates on a traditional per-visit model with costs varying based on the type of consultation and provider credentials. This structure allows patients to pay only for services they use, but can create budget uncertainty for families requiring frequent care.
Urgent Care Visits Start at $79
Amwell’s urgent care consultations begin at $79 per visit, positioning the service competitively against in-person urgent care centers that typically charge $100 to $300 per visit. Insurance coverage can reduce costs to copay amounts for covered services, though many small business insurance plans have high deductibles that limit this benefit.
The per-visit structure works well for individuals who rarely need medical attention or have insurance coverage with low copays. However, families with young children or employees managing chronic conditions may find costs accumulating quickly throughout the year.
Therapy Sessions Range $109-$279
Mental health services represent Amwell’s highest-cost category, with therapy sessions ranging from $109 for master’s-level providers to $129 for doctoral-level therapists. Initial psychiatry appointments cost $279 for 45-60 minute sessions, while follow-up appointments are $109 for approximately 15 minutes.
These costs reflect the specialized nature of mental health care and align with market rates for telehealth therapy services. However, the per-session pricing can create barriers for employees needing ongoing mental health support, particularly during challenging periods requiring frequent consultations.
Annual Cost Breakdown Scenarios
Comparing annual costs requires examining realistic usage scenarios that small businesses commonly encounter. Different family situations and healthcare needs create varying cost implications for each pricing model.
Family Using 6 Telehealth Visits Per Year
A family using six telehealth visits annually would pay $474 through Amwell’s per-visit model ($79 x 6 visits). Allutional’s annual cost reaches $479.40 ($39.95 x 12 months), creating nearly identical expenses. However, Allutional’s package includes mental health support, prescription discounts, and additional family protection features that provide value beyond basic telehealth access.
The break-even point occurs at approximately six visits per year, making subscription models more economical for families requiring seven or more consultations annually. Families with young children, elderly members, or individuals with chronic conditions typically exceed this threshold.
Business Owner Requiring Mental Health Support
Business owners dealing with stress management or seeking therapy support face significant cost differences between the two models. Monthly therapy sessions through Amwell would cost $1,308 to $1,548 annually ($109-$129 x 12 sessions), not including any urgent care visits for physical health needs.
Allutional’s annual cost remains $479.40 regardless of usage frequency, including both mental health support and physical healthcare needs. Business owners also receive enhanced identity protection and legal services, addressing common entrepreneurial concerns beyond healthcare access.
Uninsured Employee Cost Analysis
Uninsured employees face the full cost burden of telehealth services, making pricing models particularly important for this demographic. Without insurance coverage, Amwell’s $79 per visit becomes the standard rate for all consultations, creating potential barriers to necessary care.
Allutional’s fixed monthly rate provides predictable healthcare access regardless of insurance status. For uninsured employees supporting families, the ability to cover up to eight people under a single subscription offers significant value compared to per-person, per-visit alternatives.
Additional Value Beyond Basic Telehealth
Complete benefit packages extend beyond healthcare access to address broader employee wellness and security concerns. These additional services can differentiate benefit packages while providing practical value for daily life challenges.
Up to $1 Million Identity Theft Protection for Business Owners
Identity theft protection represents a critical concern for business owners who handle sensitive financial information and customer data. Allutional’s business owner package includes up to $1 million in identity theft expense reimbursement, significantly higher than the $10,000 coverage provided to regular employees.
The service includes dedicated fraud specialists, credit monitoring, and resolution assistance for verified identity theft cases. Business owners also receive social media monitoring, high-risk transaction alerts, and dark web monitoring to proactively identify potential security threats before they impact business operations.
Financial Wellness and Legal Services
Financial stress significantly impacts employee productivity and overall well-being. Allutional’s Financial Wellness 360° platform provides budgeting tools, debt management resources, retirement planning guidance, and one-on-one coaching sessions to help employees manage their financial lives more effectively.
Legal services complement the financial wellness platform by providing document review, collection letter assistance, and consultation services for common legal matters. These services typically require separate contracts with legal providers, making their inclusion in a healthcare benefits package particularly valuable for small business owners and employees.
Allutional Offers Predictable Healthcare Costs for Small Businesses
Small businesses benefit most from predictable benefit costs that allow accurate budget forecasting throughout the year. Allutional’s subscription model provides this predictability while offering complete coverage that extends beyond basic telehealth services.
The combination of healthcare access, mental health support, financial wellness tools, and business protection services creates a holistic benefit package that addresses multiple employee needs through a single vendor relationship. This consolidation simplifies administration while providing value compared to purchasing individual services separately.
For businesses seeking complete employee benefits without the complexity of multiple vendor relationships, subscription-based models offer significant advantages over traditional per-visit pricing structures. The predictable monthly costs enable better budget planning while ensuring employees have consistent access to healthcare and support services regardless of their usage patterns.
Visit TelehealthWatch.com to view detailed telehealth benefit comparisons and find the right solution for your business needs.
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