On-demand virtual urgent care for your team, included in the ESPA.
Quick, convenient care for common medical concerns, for your employees, their spouses, and their dependents.
The Employer Sponsored Preventive Access (ESPA)
The Employer Sponsored Preventive Access (ESPA) plan simplifies how your employees and their families may access virtual urgent care for common medical concerns, without a trip to a clinic or the ER. Access extends to the whole family, and qualified expenses are reimbursable under the ESPA, with no insurance billing.
What qualifies as urgent care?
Urgent care is for medical issues that need prompt attention but are not life-threatening emergencies. Through the portal, a provider can help your employees with common concerns quickly, often faster than waiting for a primary care appointment:
- Sprains, strains, or joint pain.
- Minor burns, cuts, and rashes.
- Cold, flu, or sinus symptoms.
- Earaches, sore throats, or pink eye.
- Allergies, minor infections, and more.
Telemedicine is designed to provide convenient access to care when a health concern arises, helping employees get answers, treatment recommendations, and support without the time and inconvenience of an in-person visit.
For conditions that require hands-on evaluation or emergency treatment, providers can help direct members to the most appropriate level of care.
Why this matters for your employees
Under a traditional plan, an urgent care visit can come with a bill big enough to make people put off care or feel real stress about it. Through the ESPA, virtual urgent care is reimbursable with no insurance billing, so a minor issue can be handled right away.
- Fast help for common issues, day or night.
- Fewer missed workdays and faster recovery.
- No insurance billing. Reimbursable under the ESPA.
- Whole-family access for the employee, spouse, and dependents.
Why it is smart for employers too
Making urgent care easy for your team to reach is strategic. It keeps minor issues from turning into costly ER visits and gets people back on their feet faster. Here is how it pays off:
- Reduced absenteeism and faster recovery.
- Higher morale and job satisfaction.
- Fewer costly ER visits, which leans less on the major medical plan over time.
- The payroll tax savings the employer recovers typically exceed the cost of plan administration.
How it works for employees
Once enrolled, an employee can:
Open the employee technology portal and request urgent care.
Connect with a provider for the issue, day or night.
Get a treatment plan, and a prescription or referral if needed.
Move on with qualified expenses reimbursable under the ESPA, with no claim confusion.
Add better access without overhauling your plan
You do not need to change your current health plan to add the ESPA. You can add preventive health benefits, including virtual urgent care, without ongoing out-of-pocket expense to the employer.
What clients are saying.
“Setup was fast and clean. Our team adapted in days, not weeks.”
“The platform integrates with the systems we already use. We didn’t have to retrain anyone.”
“For a team our size, the ESPA was a meaningful differentiator in recruiting.”
Frequently asked questions
Virtual urgent care is delivered through the employee technology portal. Confirm with your advisor whether any in-person network option applies to your plan.
Common, non-emergency concerns like sprains, minor burns and rashes, cold and flu, earaches, sore throats, and minor infections.
Yes. Access extends to the enrolled employee, their spouse, and their dependents.
Qualified expenses are reimbursable under the ESPA, with no insurance billing, and employee take-home pay does not change.
No. The ESPA works alongside your existing major medical plan and does not replace it.
Faster care for your team's everyday health needs.
- Works alongside your existing major medical plan.
- No change to take-home pay.
- Most plans are in place within 30 days of enrollment.