Small business owners weighing telehealth benefits face a surprising cost dilemma: Allutional’s $39.95 family plan covers eight members with zero copays, while HealthTap’s flexible pricing might actually cost more than you’d expect.
Key Takeaways
- Allutional’s $39.95 monthly plan covers eight family members with zero copays, while HealthTap charges per visit or requires membership fees
- HealthTap offers three pricing models: insurance copay, membership ($55 for 3 months or $180 annually), and pay-per-visit at $129
- Annual costs vary significantly: HealthTap membership ranges from $356-$534 per year including visits, while Allutional family coverage costs $479.40 annually
- Service coverage differs between platforms, with distinct mental health and prescription benefits affecting overall value
- Small business owners must weigh family coverage needs against individual employee costs when choosing telehealth benefits
Small business owners face mounting pressure to provide affordable healthcare benefits while controlling costs. Telehealth services have emerged as a practical solution, offering employees convenient access to medical care without the hefty price tags of traditional healthcare. Two platforms stand out in this competitive landscape: HealthTap and Allutional, each taking distinctly different approaches to pricing and service delivery.
Allutional’s $39.95 Monthly Plan Covers 8 Family Members vs. HealthTap’s Per-Visit Pricing
The fundamental difference between these platforms lies in their pricing philosophy. Allutional operates on a flat-rate family model, charging $39.95 monthly regardless of usage frequency. This single payment covers the primary member, spouse or significant other, and up to six dependents under age 25 – providing healthcare access for up to eight family members total.
HealthTap takes a more traditional approach with multiple pricing tiers based on usage patterns and insurance status. This flexibility appeals to businesses with varying employee needs, but creates complexity when calculating actual costs. Understanding these pricing structures becomes vital for HR managers evaluating telehealth options, as the wrong choice can significantly impact both budget and employee satisfaction.
The stark contrast in pricing models reflects different target markets and usage assumptions. Allutional bets that families will appreciate predictable monthly costs, while HealthTap caters to individuals who prefer paying only when they need care or want membership benefits.
HealthTap’s Three Pricing Models
Insurance Copay Option
HealthTap accepts all major insurance plans, including Medicare Advantage and traditional Medicare, but does not accept Medicaid. Employees using this option pay their standard copay amount, which varies based on their specific insurance plan. The platform also accepts HSA and FSA cards, making it accessible for employees with high-deductible health plans. Each visit includes 90 days of unlimited texting with the treating physician, extending the value beyond the initial consultation.
Membership Model ($55 for 3 Months or $180 Annually)
The membership tier offers savings for regular users. Members pay $44 per primary care visit and $59 for urgent care consultations, along with unlimited texting privileges with their doctors. At $180 annually, this option works out to $15 monthly per individual. The three-month option at $55 allows businesses to test the service before committing to full-year contracts.
Pay-Per-Visit at $129
The highest-cost option charges $129 per consultation without insurance coverage. This pricing targets occasional users who don’t want ongoing commitments. Like other tiers, it includes 90 days of follow-up texting, which can be valuable for monitoring treatment progress or addressing concerns without additional charges.
Allutional’s Family-Focused Coverage
Member, Spouse, and Up to 6 Dependents for $39.95
Allutional’s pricing structure becomes particularly attractive for employees with larger families. The $39.95 monthly fee covers unlimited telehealth visits for all family members, regardless of age or medical needs. This model eliminates the per-visit calculations that complicate budgeting with other platforms, making it easier for both employers and employees to predict healthcare expenses.
Zero Copays on All Telehealth Services
The zero-copay structure removes financial barriers that often prevent people from seeking timely medical care. Employees can consult with healthcare providers without worrying about additional costs, potentially preventing minor issues from becoming major health problems. This approach aligns with preventive care philosophies that ultimately reduce overall healthcare spending.
Service Coverage Comparison
HealthTap’s Primary Care and AI Features
HealthTap provides access to board-certified doctors along with an AI-based symptom checker that helps patients understand their conditions before consultations. The platform specializes in primary care services, prescription refills, lab test orders, and specialist referrals. Doctors can also provide official medical notes for employers or school programs, adding practical value for working parents and students.
The service helps patients avoid unnecessary urgent care and emergency room visits, which typically cost between $40-$176 per visit for in-person care. Members can video chat with doctors, follow personalized treatment plans, and access a library of doctor-answered health questions.
Allutional’s Multi-Service Health Bundle
Allutional takes a broader approach to healthcare benefits, bundling telehealth with mental health support, financial wellness resources, and prescription discounts. The platform includes vision and dental discounts, creating a more complete benefits package that extends beyond basic telehealth services.
Mental Health and Prescription Benefits
Both platforms recognize the growing importance of mental health services. HealthTap offers mental and behavioral health consultations within its standard pricing structure, while Allutional includes unlimited mental health support with zero copays. These services have become increasingly valuable as workplace stress and mental health concerns continue rising across all industries.
Prescription benefits vary between platforms, with HealthTap focusing on traditional prescription services through licensed physicians, while Allutional emphasizes discount programs that can reduce medication costs for employees without complete insurance coverage.
Annual Cost Analysis for Small Business Employees
HealthTap Membership Costs: $356-$534 Per Year
HealthTap’s annual membership costs depend on usage frequency and chosen tier. The basic annual membership at $180 covers reduced visit fees but doesn’t include the visits themselves. Adding typical usage of 4-6 visits per year at $44 each brings total costs to approximately $356-$444 annually per individual employee. For urgent care visits at $59 each, costs range from $416-$534 annually.
Allutional Family Coverage: $479.40 Per Year
Allutional’s annual cost is straightforward: $39.95 × 12 months = $479.40 per family. This price point becomes increasingly attractive as family size grows, since the per-person cost decreases with each additional covered family member.
Cost Per Visit Breakdown
When comparing per-visit costs, the analysis becomes more complex. HealthTap’s pay-per-visit model at $129 exceeds typical telehealth costs of $40-$90, while membership visits at $44 fall within normal ranges. Allutional’s unlimited model makes per-visit calculations irrelevant, but families using the service frequently can achieve per-visit costs well below market rates.
For context, traditional in-person care costs up to $176 per visit, making both platforms cost-effective alternatives. Research shows virtual telehealth appointments typically cost around $40-$50, while in-person care can cost as much as $176 per visit, supporting the economic case for telehealth adoption.
Which Platform Offers Better Employee Benefits Value
The value equation depends heavily on employee demographics and usage patterns. Allutional excels for employees with families, especially those with children who frequently need medical attention. The predictable monthly cost structure appeals to budget-conscious families and simplifies benefits administration for HR departments.
HealthTap works better for businesses with primarily single employees or those who prefer traditional healthcare models. The insurance integration makes it seamless for employees with existing coverage, while the membership option provides savings for moderate users.
Small business owners should consider their workforce composition, current healthcare costs, and employee preferences when choosing between these platforms. Businesses with younger employees might prefer Allutional’s family-friendly approach, while those with established insurance relationships might find HealthTap’s integration more valuable.
The decision ultimately comes down to whether predictable family coverage or flexible individual options better serve your employee population and business objectives.
For detailed telehealth comparisons and industry insights, visit TelehealthWatch.com where experts analyze the latest developments in digital healthcare solutions for businesses.
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