Small business owners paying $89 per telehealth visit could be overspending by thousands annually. One family-focused subscription model covers unlimited visits for just $39.95 monthly, but the real surprise lies in what else is included beyond basic healthcare.
Key Takeaways
- Allutional’s $39.95 monthly subscription covers an individual, their spouse/domestic partner, and up to 6 children with unlimited telehealth visits and $0 copays, while Teladoc charges $89 per visit for urgent care without insurance
- Small business owners can achieve significant healthcare cost reductions using subscription-based telehealth models versus traditional per-visit fees
- Mental health services cost $119 per visit with Teladoc for uninsured patients but are included at no extra charge with Allutional’s family plan
- Allutional includes identity theft protection, financial wellness coaching, and legal services that most traditional telehealth providers don’t offer in their core packages
For small business owners and HR managers evaluating employee benefit options, the choice between subscription-based and per-visit telehealth services can significantly impact both costs and employee satisfaction. Understanding the real financial differences between these models helps make informed decisions that protect both budgets and workforce wellbeing.
Complete Family Coverage for $39.95 vs. Individual Visit Fees Starting at $89
The pricing structure between Allutional and Teladoc Health reveals dramatically different approaches to telehealth accessibility. Allutional charges a flat $39.95 monthly fee that covers unlimited visits for an individual, their spouse/domestic partner, and up to 6 children, including mental health consultations, with zero copays or deductibles. In contrast, Teladoc operates on a per-visit model, charging $89 for each urgent care consultation for uninsured patients.
This pricing gap becomes more pronounced when considering family usage patterns. A family needing just one telehealth visit per month would pay $89 with Teladoc (without insurance), already exceeding Allutional’s monthly fee. For families requiring multiple visits or mental health support, the cost differential grows exponentially. TelehealthWatch provides detailed comparisons showing how these pricing models impact different usage scenarios.
The subscription model particularly benefits families with chronic conditions, young children prone to frequent illnesses, or employees managing stress-related health issues. Traditional per-visit fees can create barriers to seeking timely care, potentially leading to more serious health problems and higher overall costs down the line.
The Real Cost Breakdown for Small Business Benefits
Monthly Subscription vs. Per-Visit Pricing Models
Small businesses face unique challenges when selecting employee healthcare benefits. Per-visit telehealth models like Teladoc can create unpredictable expenses, making budget planning difficult. An employee dealing with seasonal allergies might need multiple consultations, each costing $89 without insurance, while another employee might not use the service at all during certain months.
Subscription models provide cost predictability that benefits both employers and employees. At $39.95 per month per employee (covering their entire family), small businesses can accurately forecast healthcare benefit expenses. This predictability becomes crucial for companies operating on tight margins or those experiencing seasonal revenue fluctuations.
Administrative Fees and Extended Visit Charges
Beyond base consultation fees, per-visit models often include additional charges that aren’t immediately apparent. Extended consultations, follow-up calls, or specialist referrals can trigger extra fees with traditional telehealth providers. These surprise charges can strain both employee budgets and company benefit allowances.
Allutional’s flat-rate structure eliminates these concerns by including all standard telehealth services within the monthly fee. Employees can have longer consultations without worrying about additional charges, and employers avoid unexpected benefit-related expenses that can disrupt quarterly budgets.
Annual Healthcare Spending Comparison
Over a 12-month period, the cost differences become substantial. A small business with 10 employees using traditional per-visit telehealth might face annual costs ranging from $8,900 to $26,700, depending on usage patterns. The same company using Allutional would pay exactly $4,794 annually, regardless of usage levels.
Research indicates that telehealth adoption can lead to significant reductions in overall small business healthcare spending compared to traditional insurance-only approaches. This reduction comes from early intervention, reduced emergency room visits, and decreased absenteeism due to convenient access to care.
What’s Actually Included in Each Service
Allutional’s Family Coverage Plus Benefits
Allutional’s package extends far beyond basic telehealth consultations. The service covers the employee, their spouse or domestic partner, and up to 6 children over age 2, providing 24/7 access to board-certified physicians. Additionally, the package includes prescription discounts, vision and dental savings programs, and mental health support with licensed therapists.
The benefit package also incorporates non-healthcare services that add significant value for small business owners. Identity theft protection with up to $10,000 expense reimbursement, financial wellness coaching, legal services, and even cell phone protection create a safety net that extends beyond traditional healthcare benefits.
Teladoc’s Core Medical Services and Insurance Integration
Teladoc focuses primarily on medical consultations, offering access to physicians, dermatologists, and behavioral health specialists through phone or video calls. The platform integrates well with existing insurance plans, often providing reduced copays for covered members. However, non-medical benefits aren’t included in their core offerings.
The service excels in clinical scope, with specialists available for various conditions. However, each specialist consultation or extended service typically carries additional fees, which can add up quickly for employees needing multiple consultations.
Mental Health: Included vs. $119 Per Visit
Mental health support represents one of the most significant cost differentials between these platforms. Teladoc charges $119 per mental health consultation for uninsured patients, while Allutional includes mental health sessions within their monthly subscription fee.
For small businesses recognizing the growing importance of employee mental health, this difference is substantial. An employee dealing with work-related stress, family issues, or seasonal depression could easily require 4-6 sessions annually, representing over $700 in additional costs with Teladoc versus zero extra charges with Allutional.
When Subscription Models Save Money for Frequent Users
Break-Even Analysis: 1 to 9 Year Implementation Timeline
The break-even point between subscription and per-visit models varies based on usage patterns, but for most families, the subscription model becomes cost-effective after just one visit per month. A family using telehealth services twice monthly would save over $1,600 annually with Allutional’s subscription model compared to Teladoc’s per-visit fees for uninsured patients.
Over longer timeframes, the savings compound significantly. A small business implementing Allutional for 5 years could save $50,000 to $150,000 compared to per-visit alternatives, depending on employee usage patterns and family sizes. These savings can be reinvested in other employee benefits or business growth initiatives.
Reduced Absenteeism and Presenteeism Benefits
Subscription-based telehealth models encourage early intervention by removing financial barriers to seeking care. Employees are more likely to address minor symptoms before they develop into serious conditions requiring time off work. This proactive approach reduces both absenteeism (employees missing work due to illness) and presenteeism (employees working while sick and less productive).
The convenience factor also plays a crucial role. Employees can consult with healthcare providers during breaks or lunch hours rather than taking half-days for in-person appointments. This flexibility helps maintain productivity while ensuring employees receive necessary care.
Service Quality and Platform Navigation Challenges
Provider Access and Technical Support Issues
User reviews reveal interesting patterns in service quality between platforms. Teladoc users frequently report issues with physician empathy, rushed interactions, and lack of follow-up care. Some users also experience frequent appointment cancellations and poor customer support responses.
Allutional’s approach emphasizes longer consultation times and dedicated fraud specialists for identity theft issues, though the platform is newer and has a smaller provider network. The company focuses on personalized service with board-certified physicians averaging 15 years of experience, using HIPAA-compliant, bank-level encryption for security.
Business Protection Beyond Healthcare
$10,000 Identity Theft Expense Reimbursement
Small business owners face unique cybersecurity risks that traditional telehealth providers don’t address. Allutional’s Business Sense package includes up to $10,000 in identity theft expense reimbursement for both business owners and employees. This protection covers costs associated with identity recovery, legal fees, and lost wages due to identity theft incidents.
The service includes dedicated fraud specialists available through a toll-free line, providing concierge-level support until cases are resolved. This approach recognizes that small business owners often blur the lines between personal and professional finances, making identity protection crucial for both individual and business security.
Financial Wellness Platform with One-on-One Coaching
Financial stress significantly impacts employee productivity and overall wellbeing. Allutional’s Financial Wellness 360° platform provides budgeting tools, debt management resources, retirement planning guidance, and one-on-one coaching sessions. These services help employees make better financial decisions while reducing stress-related health issues.
The platform includes calculators for major financial decisions, goal-setting tools, and educational resources covering everything from basic budgeting to investment strategies. This approach addresses the root causes of financial anxiety that often manifest as physical and mental health problems.
Legal Services and Data Breach Solutions
Small businesses increasingly need legal guidance for various issues, from contract reviews to employment matters. Allutional’s business package includes legal document review (up to 5 documents quarterly), outbound calls on behalf of the business, and collection letter services. These services can save thousands in legal fees while providing peace of mind for complex business situations.
Data breach solutions include small business monitoring, social media monitoring, and high-risk transaction alerts. As cyber threats continue targeting small businesses, these protective services become increasingly valuable for maintaining business continuity and customer trust.
Allutional Delivers Superior Value for High-Usage Families and Small Businesses
The comparison between Allutional and Teladoc Health ultimately comes down to usage patterns and value priorities. For small businesses seeking predictable costs, family coverage, and additional business protections, Allutional’s subscription model offers clear advantages. The $39.95 monthly fee provides unlimited telehealth access for entire families while including valuable non-healthcare benefits that traditional providers don’t offer.
However, businesses with employees who rarely use telehealth services might find per-visit models more cost-effective initially. The key consideration is whether the protection and predictable costs justify the monthly investment, particularly when factoring in the productivity benefits of easy healthcare access and reduced financial stress among employees.
For growing small businesses prioritizing employee retention and benefits, the subscription model’s advantages become more pronounced over time, offering both immediate healthcare access and long-term financial protection that helps create a more secure and satisfied workforce.
Learn more about telehealth and business protection solutions at TelehealthWatch.com, where small business owners can find cost-effective employee benefit strategies.
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