For business / Enterprise
Now we have an answer
for larger employers too.
CoreMed was built for small teams, and for years that meant we could not help a business once it passed about fifty people. That has changed. Through a benefits partner we can now put a full ACA-compliant health plan in front of larger Montana employers, alongside the direct primary care we already run.
50 or more, or multiple locations
Where employers your size usually are
Membership alone stops fitting
Past fifty employees you are usually into applicable large employer territory, and a membership on its own no longer answers the whole question. You need something that satisfies the requirement.
Multiple sites, uneven access
A crew in Kalispell and an office in Billings do not have the same options. A single statewide answer usually leaves someone out.
Decisions have to survive a committee
You need something you can put in front of a CFO, an HR lead and a board, and have it hold up. That means a written case, not a pitch.
What the plan actually provides
The plan we refer larger employers to is ACA-compliant coverage, which means it satisfies both minimum essential coverage and minimum value. It is a real health plan, not a membership and not cost sharing.
Major medical
Hospital stays, surgery and the large, rare events that a membership was never designed to carry.
Preventive care
Checkups, screenings and vaccines, handled as preventive care rather than coming out of pocket.
Prescriptions
A prescription drug component, so medication is not the line that quietly breaks an employee's budget.
No network restrictions
Employees are not locked to a narrow network, which matters when your people are spread across Montana.
Care coordination
Somebody whose job is helping an employee work out where to go, rather than leaving them to decode it alone.
Pairs with direct primary care
The plan handles the big things. CoreMed Primary handles the everyday layer, so people actually see a doctor.
Who provides this. CoreMed is a referral partner on this. We are not the carrier, we do not administer the plan and we are not the ones who bind it. What we do is look at your situation, tell you whether this is the right shape for your business, and put you in front of the people who can quote it properly.
What we look at
Current arrangement and true cost
Employer contribution, employee contribution, and the out-of-pocket exposure that determines whether people use it.
Population and geography
Headcount by site, ages, family composition, and what care exists within a reasonable drive of each location.
Utilisation patterns
Where care is being used, where it is being deferred, and what deferral is costing in absenteeism and downstream severity.
Administrative load
What your team spends running this today, and what changes if it moves.
Constraints
Union agreements, existing broker relationships, multi-state employees, timing against your renewal.
What you get out of it
A written review of your current arrangement, a modelled comparison, and a quote for the options that actually fit, including a referral elsewhere if that serves you better.
And if we are not the right fit, we say so. Some employers are better served by something we do not offer. Being told that early is worth more than being sold something that does not work, and it costs you nothing to find out.
Questions
Is this insurance?
The health plan we refer you to is, yes. It is ACA-compliant coverage that meets minimum essential coverage and minimum value. That is a different thing from a CoreMed membership, which is not insurance, and we keep the two clearly separated.
Who actually provides the plan?
A benefits partner we refer to. CoreMed does not underwrite, administer or bind coverage. We introduce you, we help you think it through, and they quote it. Mandy will tell you exactly who you would be working with on the first call.
Why did CoreMed not offer this before?
Because we did not have an honest answer for a company of fifty or more. A membership by itself does not satisfy what a larger employer has to do, and we were not going to pretend otherwise. This partnership is what changed that.
Can we combine it with CoreMed Primary?
That is usually the point. The plan carries the large and rare things, direct primary care carries the everyday visits, and employees stop deciding whether they can afford to see a doctor.
We already have a broker. Does that matter?
No. We work alongside brokers regularly and are happy to have yours in the room. Nothing here requires you to end that relationship.
What if we have employees outside Montana?
Say so early. Our direct primary care network is Montana-based, and out-of-state employees change the answer. Sometimes it still works, sometimes it does not.
What do you need from us to start?
A census, your current arrangement, and whatever cost data you can share. The more complete it is, the more useful the quote.
Tell us about your team
Headcount, where people are, and what you offer today. That is enough to start.
Thanks. We'll be in touch.
Someone in Montana reads every one of these. Expect a reply within one business day.
What would be sent to GoHighLevel
Rather just talk?
You will be talking to someone in Montana. or email info@coremedhealth.com.
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