The Employer Brief: a practical guide to $0-employer-cost virtual care.
Built for SMB owners, HR teams, and benefits brokers evaluating direct-pay telehealth as a benefit. Includes the scope we cover, the things we honestly will not do, primary-source citations, compliance posture, and a one-week launch timeline.
An honest read for benefits buyers, not a pitch deck.
Most telehealth one-pagers blur the line between primary care and occupational medicine. This one doesn't. It tells you what we treat, what we explicitly do not do, and where the benefit moves the needle.
- 01The Problem
Mercer $17,496 PEPY cost. 27.8% uninsured in construction. 22% in food service. Primary-source citations.
- 02What TeleDirectMD Is
Physician-led practice. $0 to employer. $59 / $79 / in-network. Continuity with a board-certified physician, not a rotating roster.
- 03Scope — What We Honestly Cannot Do
In scope: chronic disease, acute illness, mental health. Out of scope: DOT physicals, OSHA 1910.134, controlled substances, TB testing.
- 04How It Works
Discovery call → one-page agreement → enrollment code → booking. Typically one week from first call to first visit.
- 05Industry Fit
Where the benefit moves the needle: trucking, restaurants, home care, construction, cleaning.
- 06Compliance Posture
ERISA voluntary-plan safe harbor. HSA/FSA/ICHRA eligible. HIPAA. LegitScript. Florida broker exclusion.
- 07Next Steps
Three CTAs: discovery call for HR, broker partnership at $250 flat, direct contact.
Three readers — same brief, three different reasons to download it.
SMB owners
You've seen carrier premiums climb 6% a year. You want a benefit that actually helps your team — without buying another PEPM contract. Skim sections 02, 04, and 07.
HR & benefits leads
You need a memo your benefits counsel can sign off on in a day, not a quarter. Section 06 covers ERISA voluntary-plan safe harbor, HSA/FSA, and HIPAA in plain language.
Brokers & consultants
You're looking for a differentiator your clients haven't seen. Section 03 (scope) and section 07 (the $250 flat fee) tell you whether this fits your book.
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About this brief
The TeleDirectMD Employer Brief is an educational document. It is not medical advice, legal advice, or tax advice. Compliance language (ERISA voluntary-plan safe harbor, HSA/FSA eligibility) is general and your specific plan design should be reviewed by your benefits counsel.
Service nature
TeleDirectMD provides direct-pay primary care telehealth and is not a health insurance product. The brief outlines a voluntary, employee-pay-all arrangement designed to fall within the DOL voluntary-plan safe harbor.
Provider identity
Brief authored by Parth Bhavsar, MD — Board-Certified Family Medicine Physician · NPI 1104323203 · Residency: University of Mississippi Medical Center, 2021 · Licensed in 41 states + DC.