Employee Healthcare Program for Healthcare Employers
Reduce ER Visits & Insurance Costs Without Removing Hospital Coverage
Healthcare employers are under constant pressure: rising insurance premiums, staff shortages, unnecessary ER visits, and growing workers’ compensation exposure. Most of these costs come from minor employee health issues escalating into major claims simply because there’s no fast, on-site medical option.
Leaa Health provides an employee healthcare program for healthcare employers—including nursing homes, assisted living facilities, and home care agencies—designed to handle staff medical issues early, reduce ER usage, and stabilize insurance costs without removing hospital coverage.
Who This Program Is For
This employee healthcare program is built for:
• Nursing homes
• Assisted living facilities
• Home care agencies
• Post-acute and long-term care operators
• Multi-facility healthcare groups
This is an employee-only healthcare program.
It does not replace patient care, resident care,
or primary care physicians.
The Real Problem With Insurance-Only Models
Most employee health events are not hospital-level
emergencies, yet traditional insurance workflows push them into:
• Urgent care visits
• Emergency room visits
• Insurance claims
• Workers’ comp escalation
This results in:
• Rising premiums year after year
• Lost shifts and overtime coverage
• Administrative burden on HR and operations
• Higher long-term healthcare exposure
Traditional insurance is reactive.
Leaa is preventative and operational.
What Leaa Health Provides for Employees
Leaa Health delivers licensed medical providers directly to the
workplace or employee location (when clinically appropriate), including:
• On-site or on-call medical provider visits
• Treatment for flu, infections, respiratory and GI illness
• Blood work and lab collection
• IV hydration and treatment
• Injury evaluations and return-to-work clearance
• EKG and mobile X-ray (when appropriate)
• Telehealth follow-ups
• Care coordination and escalation guidance
This allows facilities to resolve issues early, before they
escalate into claims or hospital visits.
Healthcare Employers We Serve (Why It Works)
Nursing Homes
• High physical demand on staff
• Frequent minor injuries and illness
• ER usage for non-emergency issues
• Workers’ comp escalation risk
Leaa reduces unnecessary escalation and improves staff availability.
Assisted Living Facilities
• Staff illness and injury disrupts care
• ER referrals for precautionary reasons
• Staffing coverage challenges
Leaa provides fast, on-site evaluation so issues don’t turn into claims.
⸻
Home Care Agencies
• Caregivers work alone and escalate quickly
• No medical decision layer before ER referral
• High injury and illness turnover
Leaa acts as the medical backstop for caregivers—without involving patients.
Employee Healthcare Models — Cost & Savings Comparison
Comparison of traditional insurance versus Leaa Health’s Hybrid and Catastrophic models for healthcare employers with 1,000 and 3,000 employees. All figures are illustrative and based on common industry ranges.
| Model | Employees | Annual Healthcare Cost | Annual Savings | Hospital Coverage |
|---|---|---|---|---|
| Traditional Insurance Only | 1,000 | $8M – $11M | — | Included |
| Traditional Insurance Only | 3,000 | $23M – $32M | — | Included |
| Hybrid Model (Insurance + Leaa) | 1,000 | $5.5M – $7.5M | $2.5M – $4.5M | Insurance retained |
| Hybrid Model (Insurance + Leaa) | 3,000 | $16.5M – $22.5M | $6.5M – $9.5M | Insurance retained |
| Leaa + Catastrophic Coverage | 1,000 | $4.0M – $5.0M | $3.0M – $6.0M | Catastrophic only |
| Leaa + Catastrophic Coverage | 3,000 | $11.5M – $14.5M | $9.0M – $17.5M | Catastrophic only |
Savings estimates reflect reduced ER utilization, lower claims frequency, and stabilized insurance premium pressure. Hospital coverage remains fully in place under both Hybrid and Catastrophic models.
ER Cost vs Leaa Cost — Employee Healthcare Economics
Comparing the true cost of ER-driven insurance models versus Leaa Health’s frontline employee healthcare program at $79–$129 per employee per month.
| Care Scenario | Insurance + ER Model | Leaa Health ($79–$129) | Cost Impact |
|---|---|---|---|
| Non-Emergency Illness (Flu, Infection) | ER visit: $2,000 – $4,000 Claim + admin impact | Included in monthly plan | $1,600 – $3,600 saved per event |
| Dehydration / IV Fluids | ER + IV: $3,500 – $6,000 | Included or low incremental cost | $3,000 – $5,500 saved |
| Minor Injury / Strain | Urgent care / ER: $1,500 – $3,500 Workers’ comp risk | Included evaluation & clearance | $1,200 – $3,000 saved |
| Labs & Diagnostic Review | ER / outpatient billing: $800 – $2,000 | Included when appropriate | $700 – $1,800 saved |
| Follow-Up Visit | ER revisit or office visit: $1,000 – $3,000 | Telehealth or in-person follow-up | $900 – $2,800 saved |
| Annual Impact (1,000 Employees) | $3M – $6M+ in ER-driven costs | $1.0M – $1.55M annual Leaa program | $2M – $4.5M+ annual savings |
| Hospital-Level Emergency | Covered by insurance | Escalated to hospital immediately | No change in coverage |
Cost ranges reflect common U.S. averages for non-emergency ER utilization. Leaa Health does not replace hospital coverage and escalates emergencies appropriately. Savings are illustrative and driven by avoided ER usage, reduced claims frequency, and stabilized insurance premiums.
“Either model keeps hospital coverage
— the difference is how much you save.”
Employee Healthcare Program — Frequently Asked Questions
These are the most common questions raised by nursing homes, assisted living facilities, and home care agencies when evaluating Leaa Health.
| Question | Answer |
|---|---|
| What happens if an employee needs the hospital? | Hospital coverage remains fully in place. True emergencies still go to the hospital exactly as they do today. Leaa handles non-emergency issues early so fewer cases ever escalate to the hospital. |
| Are you replacing our health insurance? | No. Most facilities keep their existing insurance and add Leaa as a frontline medical layer. For larger operators, a catastrophic-only option may be explored—but hospital coverage is never removed. |
| Does this increase our liability? | No. Liability is reduced because issues are evaluated by licensed medical providers instead of being escalated blindly. Leaa operates within clinical protocols and compliance standards. |
| What about workers’ compensation? | Leaa does not replace workers’ compensation. However, early medical evaluation often reduces unnecessary escalation into claims and helps stabilize claim frequency over time. |
| Are you treating patients or residents? | No. This program is strictly for employees. Patient and resident care remains separate unless a facility chooses to implement a distinct resident program. |
| Who provides the care? | Licensed medical providers deliver care in accordance with clinical guidelines. All services are non-emergency and provided when medically appropriate. |
| Will regulators or auditors have concerns? | No. Leaa does not interfere with insurance, workers’ compensation, or emergency protocols. Facilities maintain their existing coverage and escalation pathways. |
| Is this just telehealth? | No. Telehealth is only one component. Leaa provides in-person medical provider visits, diagnostics, labs, IV therapy, and escalation guidance when appropriate. |
| What if an issue is misjudged? | Leaa follows conservative escalation protocols. If hospital care is warranted, the employee is referred immediately. The goal is to reduce unnecessary escalation, not delay appropriate care. |
| Why does this save so much money? | Because most employee health events are not hospital-level. Handling them early prevents ER visits, claims, lost shifts, and premium increases—without removing coverage. |
CFO FAQ — Employee Healthcare Program
These questions address the most common financial, risk, and governance concerns raised by CFOs, operators, and private equity partners evaluating Leaa Health.
| CFO Question | Answer |
|---|---|
| Does this replace our health insurance? | No. The default deployment is a hybrid model. Existing insurance remains fully intact for hospital and catastrophic events. Leaa operates as a frontline medical layer that reduces how often insurance is triggered. |
| What happens financially if an employee needs the hospital? | Hospital events are covered by existing insurance or catastrophic-only coverage, depending on the model chosen. Leaa does not delay or interfere with hospital escalation. |
| How does this actually save money? | Savings come from reduced ER utilization, lower claims frequency, fewer workers’ comp escalations, and slower premium increases. The majority of employee health events are non-hospital-level and can be resolved early at a lower cost. |
| Are the savings guaranteed? | No savings are guaranteed. All projections are illustrative. However, the cost structure is predictable and the reduction in ER usage and claim frequency is a well-established outcome of frontline medical access models. |
| Does this increase liability or compliance risk? | No. Risk is reduced by ensuring employees are evaluated by licensed medical providers instead of escalating blindly. Existing compliance, insurance, and emergency protocols remain unchanged. |
| How does this interact with workers’ compensation? | Workers’ compensation remains in place. Early medical evaluation often prevents unnecessary claim escalation and helps stabilize claim frequency over time, which can positively impact premiums. |
| Is this an insurance product? | No. Leaa Health is a medical services program, not an insurance carrier and not a self-funded plan administrator. This avoids insurance regulatory complexity. |
| How is this treated financially? | Leaa is a predictable operating expense (PM/PM), not a variable claims expense. This improves budgeting accuracy and reduces financial volatility. |
| What is the downside risk? | Minimal. In the hybrid model, insurance remains fully intact. At worst, Leaa becomes an additional benefit layer. At best, it materially reduces claims and long-term costs. |
| Can we start small or pilot this? | Yes. Many organizations start with specific departments, locations, or headcount thresholds before expanding enterprise-wide. |
| Why do CFOs ultimately approve this? | Because it preserves hospital coverage, reduces uncontrolled healthcare leakage, stabilizes long-term costs, and introduces a predictable healthcare expense with limited downside risk. |
Emergency Room Costs vs Leaa Health
ER visits are one of the largest hidden cost drivers for healthcare employers. Leaa Health resolves most non-emergency cases at a fraction of the cost.
| Care Type | Typical ER Cost | Leaa Cost | Savings Per Event |
|---|---|---|---|
| Non-Emergency ER Visit | $2,000 – $4,000 | $399 | $1,600 – $3,600 |
| ER Visit + Imaging | $4,000 – $7,000 | $399 – $699 | $3,300 – $6,600 |
| ER Visit + IV Fluids | $3,500 – $6,000 | $399 – $699 | $2,800 – $5,300 |
| Follow-Up ER Visit | $1,500 – $3,000 | $125 (telehealth) | $1,300 – $2,800 |
| Annual Impact (1,000 Employees) | $3M – $6M+ | $1.5M (Leaa Program) | $2M – $4.5M+ |
ER cost ranges reflect common U.S. averages for non-emergency visits. Savings reflect avoided ER utilization, reduced claims frequency, and lower insurance premium pressure over time.
Service Coverage Areas
Leaa Health provides employee healthcare services for nursing homes, assisted living facilities, and home care agencies in the regions listed below. Coverage is confirmed prior to deployment.
| State | Region | Areas Served | ZIP Codes |
|---|---|---|---|
| New York | New York City | Manhattan, Brooklyn, Queens | 10001, 10011, 10016, 10017, 10022, 10023, 10024, 10025, 10028, 10065, 10075, 10128, 11201, 11205, 11215, 11217, 11231, 11101, 11109, 11375, 11415 |
| New York | Long Island | Nassau & Suffolk Counties | 11550, 11530, 11501, 11514, 11040, 11743, 11746, 11747, 11791, 11725 |
| New Jersey | Northern New Jersey | Hudson & Bergen Counties | 07302, 07310, 07030, 07024, 07631, 07670, 07086 |
| New Jersey | Central New Jersey | Essex, Union & Middlesex Counties | 07102, 07103, 07201, 07202, 08817, 08837, 07095, 07067, 07039, 07078, 07901 |
| Florida | South Florida | Miami-Dade County | 33131, 33132, 33133, 33134, 33139, 33140, 33141, 33154, 33137, 33127, 33126, 33125 |
| Florida | South Florida | Broward & Palm Beach Counties | 33301, 33308, 33021, 33024, 33432, 33433, 33431, 33401, 33409, 33411 |
| Texas | Houston Metro | Houston & Surrounding Areas | 77030, 77025, 77005, 77024, 77056, 77057, 77479, 77478, 77002, 77006 |
| Texas | Dallas–Fort Worth | Dallas, Irving, Plano, Arlington | 75201, 75204, 75205, 75230, 75062, 75038, 75024, 75093, 76010, 76012 |
| California | Southern California | Los Angeles County | 90024, 90025, 90036, 90048, 90069, 90067, 91203, 91205, 91101, 91105 |
| California | Southern California | Orange County | 92612, 92614, 92660, 92661, 92701, 92704, 92868 |
| California | Northern California | San Francisco Bay Area | 94102, 94109, 94114, 94115, 94015, 94401, 94402, 95112, 95124, 95050 |
In-Home Medical Capabilities
| Capability | Details |
|---|---|
| Home X-Rays (Portable Imaging) | Chest X-rays, injury imaging, limb X-rays, pneumonia checks, and fracture assessments — all performed at home by mobile radiology technicians. |
| Mobile Labs & Rapid Testing | Bloodwork, strep, flu, RSV, COVID, urinalysis, metabolic panels, infection markers, and more — with same-day results for most tests. |
| IV Therapy | Hydration, vitamin infusions, immunity support, energy drips, migraine relief protocols, and post-travel recovery. |
| Pediatric Care | Fever, infections, ear pain, cough, respiratory issues, rashes, minor injuries, and urgent care for children of all ages — handled by gentle, experienced providers. |
| Urgent Care at Home | Cold & flu symptoms, infections, migraines, stomach illness, allergic reactions, asthma flares, wound care, and more — with same-day visits. |
| Chronic Care Management | Hypertension, diabetes, asthma, medication adjustments, and long-term condition monitoring — all performed at home. |
| Wellness & Preventative Care | Annual checkups, travel medicine, flu shots, preventative screenings, lifestyle consults, and overall wellness support. |
| Prescription Management | On-site prescribing for medications, refills, antibiotic treatments, symptom relief, and pharmacy coordination. |
House Calls vs ER vs Urgent Care
| House Calls | Urgent Care | Emergency Room | |
|---|---|---|---|
| Wait Time | As fast as 60 minutes at your home | 30–90 minutes | 1–4+ hours, based on severity |
| Exposure to Sick Patients | None — care at home | Moderate | High — crowded environments |
| Privacy | High — private home visit | Moderate | Low — open waiting rooms |
| Common Conditions Treated | Fever, flu, infections, sore throat, UTIs, rashes, dehydration, minor injuries, pediatrics | Same as house calls, but requires travel & wait | Severe emergencies: chest pain, stroke, severe trauma, uncontrolled bleeding |
| Diagnostics | **Home X-rays**, labs, strep/flu/COVID tests, ECG | Labs & basic imaging onsite | Full hospital diagnostics (CT, MRI) |
| IV Therapy & Medications | IV hydration, vitamins, nausea/migraine meds, antibiotics | IV therapy sometimes available | Full treatments, including advanced interventions |
| Best For | Busy professionals, families, seniors, travelers, individuals seeking privacy & convenience | Non-life-threatening issues when traveling to a clinic is convenient | Life-threatening emergencies |
Join leaa’s over 40,000
happy & healthy customers
call to join
Name: Samantha R.
Location: SoHo, NYC
Rating: 5★
Review:
“Leaa Health is a total game changer. I booked a same-day home visit for my father who had flu symptoms while visiting from London. The doctor arrived within 90 minutes, was incredibly professional, and even brought a rapid test kit. We avoided a chaotic ER visit, and my dad was feeling better within hours. Concierge healthcare at its best!”
Name: James L.
Location: Miami Beach
Rating: 5★
Review:
“From booking to follow-up, Leaa’s service was seamless. I use the Elite Plan for my family and it’s worth every dollar. We’ve had multiple visits in-home for IV therapy, testing, and even travel clearance. Their providers are top-notch, and the peace of mind is priceless when you have kids. Highly recommend for busy professionals or anyone who values comfort and safety.”
More reviews
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leaa’s medical house calls "
Star Power
Our clients
SoftBank, Disney, ViacomCBS (now Paramount Global) ,Uber, Sharing, Nike, Atlantic Records, American Eagle Outfitters, Warner Bros, New York Rangers (NHL), Jacob & Co, ZARA, Eileen Fisher, Target and more.
Service Areas
Leaa Health provides home doctor visits in:
New York City
Upper East Side, Tribeca, SoHo, Battery Park City, Chelsea, Lincoln Square, and more
Brooklyn
DUMBO, Cobble Hill, Brooklyn Heights, Williamsburg
New Jersey
Short Hills, Montclair, Hoboken, Saddle River, Tenafly, Jersey City
Miami, FL
Aventura, Coral Gables, Brickell, Coconut Grove, Miami Beach
Texas
Dallas-Fort Worth Area, Houston, Austin, San Antonio, Prosper, Celina
We also serve surrounding areas and special requests — Leaa goes where care is needed.
More states launching soon!
(Treatment prices do not include the home visit convenience fee,
Note: leaa members get 20% off all treatments. No insurance
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