For employers replacing a plan
A health plan that starts where care actually starts.
Care+ Direct is a full employer health plan built on top of DPCA primary care. Your employees start with a provider who knows them. Care coordination handles what comes after. Planstin administers the plan.
Your plan pays the most for the care that was easiest to prevent.
A member with uncontrolled blood pressure who has not seen anyone in two years is a claim waiting to happen. A member who calls their provider on Tuesday is not.
The gap between those two is access. Traditional plan design puts a deductible in front of the cheapest care in the system, so people skip it, and the plan pays for the consequence eighteen months later.
Care+ Direct removes the barrier at the front of the system and puts real coordination behind it.
Four things happen differently
01
Everyday care starts at DPCA.
Every covered employee has a DPCA membership. Visits, routine labs, and maintenance medications cost them nothing at the point of care. No deductible in front of a strep test.
02
Care coordination runs the next step.
When someone needs a specialist, imaging, or a procedure, they do not navigate it alone. Coordination finds the right provider at a negotiated rate before anything is scheduled.
03
Staying on the pathway costs the member less.
Care routed through coordination is treated differently from care that bypasses it. The exact difference is part of the plan design. VERIFY:A1
04
Planstin administers the plan.
Planstin is the third party administrator. Enrollment, cards, claims, and service run through them. DPCA is the primary care layer inside it.
What we will put in writing, and what we will not
Plan design figures, prescription tiers, and savings percentages are not on this page on purpose. They depend on your group, and the numbers that circulate in benefits presentations are not something we will publish before our administrator confirms them for your census specifically.
Bring us your census and your current renewal. You will get a proposal with real numbers in it, and if the change does not make sense for your group we will say so.
Deductible, out of pocket maximum, coinsurance behaviour on and off the care pathway, prescription tier structure, and premiums are all withheld until Planstin confirms them in writing. VERIFY:A1 VERIFY:B5
Who it fits
01
50 or more full time employees.
Groups at this size are already carrying an ACA-compliant plan. Care+ Direct replaces it rather than sitting alongside it.
02
Self-insured, or considering it.
When the claims are your own, moving everyday care out of the claims stream shows up directly on your books.
03
Renewal is the reason you are reading this.
The best time to look is three to four months before renewal. Later than that and the timeline gets tight.
Under 50 full time employees? Care+ Direct is built for larger groups. Look at employer memberships instead, which work as a stand-alone benefit at your size.
Who administers this
Planstin is the third party administrator for Care+ Direct. They handle enrollment, member services, and claims administration. DPCA provides the primary care layer the plan is built on.
No Planstin savings claim, marketing statistic, or comparison figure appears here until Planstin approves it in writing. VERIFY:A2
Send us your renewal.
Census and current renewal. That is what a proposal needs. We will tell you what changes and what does not.