Orange County · Employer benefits
See what your health benefits may really cost your business — in premium dollars and in lost work time.
A benefits renewal is only part of the story. There is also the half-day an employee loses to a routine appointment, the urgent care trip that happened because nobody could get in with their doctor, and the chronic condition that went unmanaged because primary care felt like a chore.
This calculator was built for small businesses in Irvine, Tustin, Santa Ana, Costa Mesa, Fountain Valley and the rest of Orange County. Enter your own numbers and compare your current plan against pairing a leaner medical plan with Direct Primary Care.
How many benefits-eligible employees do you have?
How do you want to estimate participation?
What share of employees do you expect to participate?
How employers use this
Every figure in this calculator is an assumption you control. Nothing is pulled from an outside benchmark and nothing is presented as a national average. If you have real renewal numbers from your broker, use them — the estimate becomes far more useful.
Direct Primary Care changes one part of the benefits picture: the primary care relationship. It is designed to work alongside a medical plan that covers hospitalization, emergencies and specialty care.
If you are still deciding whether the model fits your team, read how Direct Primary Care works for small business employers, or see how direct primary care works at TruFamilyMD. Employees comparing costs for themselves can use the individual Direct Primary Care cost calculator.
Local
TruFamilyMD works with small employers across Orange County — professional offices, trades, restaurants, clinics and small teams where every absence is noticed. Care is available in English and Vietnamese, in person or virtually when clinically appropriate.
If your team is based in Irvine, start with Direct Primary Care for Irvine employers. Employees can also read about direct primary care in Tustin, Santa Ana, Costa Mesa and Fountain Valley.
FAQs
Direct Primary Care is a membership for primary care services. An employer pays a predictable monthly fee per participating employee, and those employees get longer appointments, direct physician access and continuity with the same doctor. It is often paired with a medical plan that covers larger expenses.
No. Direct Primary Care is not health insurance. Employees still need appropriate coverage for hospitalization, emergencies, specialists, imaging, surgery and other services outside the membership. Most employers offer Direct Primary Care alongside a medical plan, not instead of one.
It compares the annual employer premium contribution on your current plan against the employer contribution on the alternative plan you enter, plus the Direct Primary Care investment. Every figure is an assumption you can edit, and the result is an estimate for planning conversations — not a quote or a guarantee.
TruFamilyMD's individual membership price is $150 per month, which the calculator uses as its starting point. Employer arrangements are discussed individually with Dr. Pham, so you can change that figure in the calculator to match what you are considering.
The calculator adds the travel, waiting, appointment and follow-up minutes you enter for each type of care, multiplies them by your utilization assumptions, and compares that total with the same care handled through Direct Primary Care. It never assumes an employee's time is free, and it shows the value of that time separately from the premium comparison.
Small businesses are often the best fit, because a predictable per-employee primary care cost is easy to budget. Whether it works for your team depends on your current plan, your workforce and your goals — which is exactly what a conversation with Dr. Pham is for.
TruFamilyMD's individual membership price is $150 per month, and the calculator uses that as its starting point. Employer arrangements across Orange County are discussed individually with Dr. Pham, so you can change that figure to match what you are considering.
No. TruFamilyMD serves employers throughout Orange County, including teams in Irvine, Tustin, Santa Ana, Costa Mesa and Fountain Valley, with virtual visits where clinically appropriate.
This version of the calculator estimates employee-only coverage. Spouse and dependent arrangements are discussed directly, since they change both the premium comparison and the membership cost.
Employer-sponsored benefits involve tax, ERISA and plan-design questions that depend on your business. This calculator does not provide legal, tax, insurance or financial advice. Review any arrangement with your benefits advisor, broker or attorney.
Bring your renewal figures and your questions. Dr. Pham will walk through what Direct Primary Care would and would not change for your employees.
This calculator provides general estimates for educational purposes only. Actual premiums, utilization, employee time, productivity and costs vary. Results are not a quote, a benefits proposal, or a guarantee of savings. Direct Primary Care is not health insurance and does not replace coverage for emergencies, hospitalization, specialists, procedures or other services outside the membership. This calculator does not provide medical, insurance, legal, tax or financial advice. See our medical disclaimer.