Exclusive Offering for GHS Clients

What is PrimeCare?

A better way for your employees to get healthcare — and a smarter way for your company to pay for it. Here's how it works, in plain English.

$0
Doctor visit cost
$0
Co-pay
$0
Deductible for covered visits
12–18%
Avg. employer savings yr. 1
Coverage Overview
Everything PrimeCare Includes
Six benefit categories — all included in one membership, all at $0 out-of-pocket for covered services.
01 — Primary Care
See a Real Doctor — For Free
Visit a doctor in-person or at an urgent care clinic anywhere in the country. No co-pay, no deductible. Works like a family doctor, but costs you nothing per visit.
$0 per visit
02 — Telemedicine
Doctor by Phone or Video
See a licensed doctor from your phone or computer — nights, weekends, any time. Great for colds, infections, rashes, prescriptions, and follow-ups without leaving home.
$0 · Available 24/7
03 — Chronic Care
13 Long-Term Conditions — Managed at No Cost
Already managing a chronic condition? PrimeCare covers ongoing treatment for the 13 most common ones — at $0 — including pre-existing conditions that are manageable.
Pre-existing OK
04 — Patient Advocacy
Your Personal Healthcare Guide
Confused by a bill? Need to find a specialist? Bilingual medical professionals help you navigate the system — just like having a doctor's front office on call for you.
Bilingual · Included
05 — Wellness
Annual Checkup + Lab Work
One annual wellness exam and a full blood lab panel included each year — cholesterol, blood sugar, thyroid, and more. Catch problems before they become expensive.
Annual · Included
06 — Tax Strategy
More Money in Every Paycheck
Premiums are deducted before taxes (Section 125), which means less taxable income, lower FICA taxes, and a bigger net paycheck — even with coverage in place.
Bigger take-home pay
Chronic Conditions Covered
All 13 Managed at $0
Diabetes
Hypertension (High Blood Pressure)
Depression
COPD (Lung Disease)
Asthma
Anxiety
Thyroid Disorder
Gout
Arthritis
Acid Reflux / GERD
Heart Failure (CHF)
Fibromyalgia
Blood Pressure
Side by Side
Traditional Insurance vs. PrimeCare
What a typical employer and employee actually spend per year — traditional plan versus PrimeCare. Numbers based on a 25-person company.
Traditional Health Insurance
Standard ACA / employer plan
Monthly premium per employee$650
Annual deductible (employee pays)$3,000
Co-pay per doctor visit$35–$75
Specialist visit$100–$250
Lab work / bloodwork$150–$400
Annual wellness exam$0 (if in-network)
Telemedicine$40–$95/visit
Employer annual cost (25 employees) ~$195,000
PrimeCare + GHS Plan Design
Self-funded + Direct Primary Care
Monthly premium per employeeSignificantly lower
Annual deductible (employee pays)$0 for DPC services
Co-pay per doctor visit$0
Specialist visitCoordinated through advocacy
Lab work / bloodwork$0 (annual panel included)
Annual wellness exam$0 · Included
Telemedicine$0 · Unlimited
Employer annual savings (est.) $25K–$35K
First-year employer savings: 12–18% of current spend
Based on average GHS client outcomes. Actual results vary by group size, current plan, and utilization.
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Employee Impact
What This Means for Your Paycheck
Because premiums are deducted before taxes (Section 125), employees often see a bigger net paycheck — even with full coverage in place.
Without PrimeCare
Gross bi-weekly pay$2,500
Federal income tax−$312
FICA (Social Security + Medicare)−$191
Health insurance premium−$325 (post-tax)
State tax−$62
Take-Home Pay $1,610
With PrimeCare (Section 125)
Gross bi-weekly pay$2,500
PrimeCare premium (pre-tax deduction)−$280 (pre-tax)
Federal income tax (lower taxable income)−$277
FICA (lower taxable income)−$169
State tax−$55
Take-Home Pay $1,719
+$109 more per paycheck · $2,618/year more take-home
How is this possible?
When health premiums are deducted before taxes (called Section 125 or a "cafeteria plan"), your taxable income goes down. That means you pay less in federal, state, and FICA taxes. The tax savings can offset or even exceed the premium cost — leaving employees with more money in their pocket than they had without coverage.
Step by Step
How PrimeCare Works
From enrollment to your next doctor visit — here's what to expect.
Step 01
Company Enrolls
Your employer sets up the PrimeCare plan through Gateway Health Solutions. The benefit is structured to work alongside — or instead of — traditional insurance.
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Step 02
You Get a Member Card
Each employee receives a membership card and access to the member portal. Your plan details, network providers, and advocacy contact are all in one place.
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Step 03
Need a Doctor? Just Go
Show your card at any network clinic or call/video with a telemedicine provider. No appointment required for most visits. No payment at the desk.
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Step 04
Prescriptions & Labs
Prescriptions are handled by your provider. Annual labs are bundled in. For anything more complex, the patient advocacy team helps coordinate and negotiate.
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Step 05
No Surprise Bills
PrimeCare visits are $0. For services outside the DPC network, your advocacy team helps review bills, catch errors, and negotiate costs before you pay anything.
Not a replacement for everything — but the best first layer.
PrimeCare handles the healthcare your employees actually use day-to-day — doctor visits, telemedicine, labs, chronic care. For major events like surgery or hospitalization, GHS layers in the right supplemental or self-funded plan. The result is comprehensive coverage that costs far less than a standalone traditional plan.
Plain English
Your Questions, Simply Answered
No jargon. No fine print. Just straight answers.
Do I still have "real" health coverage?
Yes. PrimeCare is a Direct Primary Care (DPC) membership — it's a real, comprehensive benefit, not a discount card. It covers primary care, telemedicine, chronic conditions, labs, and wellness. For major medical events, GHS adds the right supplemental layer so you're fully covered.
What's "Section 125" and why does it matter?
Section 125 means your premiums are taken out before your paycheck is taxed. Think of it like this: instead of earning $2,500 and paying tax on all of it, you earn $2,500, deduct the premium first, then get taxed on the smaller number. Less tax = more take-home pay.
Can I use it if I already have a condition?
For most chronic conditions — yes. PrimeCare accepts pre-existing conditions that are manageable (meaning you're not in an acute crisis). The 13 conditions listed in the plan are all covered at $0 from day one of enrollment.
What if I need to see a specialist?
Your PrimeCare advocacy team helps coordinate specialist referrals and can help negotiate costs. Specialists outside the DPC network are handled through your supplemental plan — GHS makes sure there's no gap in coverage when you need it most.
Is my employer saving money too?
Yes — significantly. Because PrimeCare keeps routine care out of the expensive insurance system, employers pay less in claims and premiums. First-year savings of 12–18% are typical. Those savings can be shared with employees or reinvested in the business.
How is this different from a regular insurance card?
Traditional insurance: you pay a premium, then still pay co-pays and deductibles when you use it. PrimeCare: you pay a flat monthly membership, then visits cost $0. No claims, no deductibles, no surprise bills for covered services — it works more like a gym membership than an insurance policy.