Tele-Medico

Antonia Eiríz (1929-1995) "El dueño de los caballitos" 1965, oleo, collage y tela pegada y quemada sobre lienzo; 173.5 x 160.5 cm. Colección Museo Nacional de Bellas Artes de Cuba.

Teladoc business subscribers fall into one of two categories:
Businesses currently offering a subsidized employee benefit program. Teladoc’s national customers include such well known names as Home Depot, Penske, Rent A Center, Accenture, T-Mobile, and Starbucks. These and other employers subsidizing employee benefit programs have used the Teladoc program to significantly reduce claims-related operating costs. For the 75% of consultations that the AMA estimates can be handled remotely, a Teladoc consultation is far less costly than an Emergency Room, Urgent Care Center, or Primary Care Physician office visit.
All 50 state insurance commissioners consider the Teladoc program to be a “wellness” program, and NOT an “insurance” program. Therefore, the program can be quickly implemented, irrespective of the employer’s medical “plan year,” and without disrupting any existing broker relationships.
Over the long-haul, the cost savings associated with the program should be the same in a fully-insured or a partially self-funded plan. The Teladoc program significantly reduces claims-related operating expenses, and therefore it is always best to implement the program as quickly as possible. To the extent that claims go down, fully-funded employer finance/HR teams should be able to leverage their claims-related savings to negotiate premium reductions at the time of plan renewal. Since partially self-funded businesses “own” their own plans, and usually remit premiums to their plan administrator as claims are incurred, they reap the rewards of reduced claims expenditures sooner.
Whether they fully-fund or partially self-fund their plans, it is advisable for employers to add the no co-pay and no deductible Teladoc model to their suite of benefit programs as soon as possible and, as a result, reap the benefits of the highest utilization and ROI in the industry. Over a period of years, the savings should be about the same in fully-funded and partially self-funded programs. However, the savings occur sooner in a self-funded plan.
Businesses currently unable to offer a subsidized employee benefit program. Most small business owners are seeking ways to reward loyal full-time, part-time, and/or seasonal employees. Thousands of employers around the country have found the Teladoc program to be an affordable significant way to retain or recruit loyal employees. For less than $.10 an hour, small employers can provide a benefit program to employees (and up to 5 additional family members) that will satisfy up to 75% of their family’s medical needs. For start-up and going-concern small business owners, the no co-pay and no deductible Teladoc program is an affordable and meaningful way to stick one’s foot in benefit waters.

Individual families and Teladoc
Once enrolled, families are encouraged to take advantage of the many features of the Teladoc program. The monthly membership fee allows for the participation of the subscriber and up to 5 additional family members, and family members need not reside under the same roof.
In preparation for a physician consultation, each family member will be requested to provide their medical history. The process is the online equivalent of completing the checklist and questionnaire that one is handed on a clipboard when visiting a new physician for the first time. Teladoc’s online encryption tools are the best in the industry and satisfy all HIPAA requirements, so subscribers can rest assured that all medical history information provided will be held in the strictest of confidence.
Although most Teladoc physician consultations are handled via a telephone chat, desktop/laptop or mobile application consultations can be arranged as well. Teladoc physicians are all dual certified (board and NCQA), and can be accessed 24/7/365 from anywhere in the country. After requesting a consultation, patients can expect to hear from a physician within 10-15 minutes. The Teladoc physician will have reviewed the patient’s medical record prior to the call, so the patient can expect to “hit the ground running” from the start of the consultation.
At the time participants provide their medical history, they will have been asked to also provide contact information for their Primary Care Provider (P*P). After the consultation with a Teladoc physician, a copy of the consultation report is forwarded to the patient’s P*P. Therefore, subscribers should not think of Teladoc physicians as being competitors to their P*P, but rather as working in partnership with their P*P to maximize the patient’s wellness in the most efficient way. http://www.tele-medico.com/business-customers/