What's included
- Spouse coverage at no additional cost
- Up to 5 dependents at no additional cost
- All program benefits extend equally - primary care, urgent care, mental health, Rx, weight health
- Pediatric primary care and urgent care included
- Dependents up to age 26 included by default; older dependents handled case-by-case
How it works in practice
At enrollment, the employee lists family members. Each gets their own login and access. There's no per-dependent premium. The family rider is what drives engagement on the trades, manufacturing, and school district verticals - for many employees, the spouse and kids use it more than they do.
A typical commercial family plan charges $400–$900/month additional premium for dependents. Even if a family doesn't use a single visit, the avoided premium creep alone is $4,800–$10,800/year. With actual utilization, the total household value is higher.
How it integrates with existing coverage
Dependents do not need to be on the employee's group health plan to access most program benefits. However, the employee themselves does need to be enrolled in a qualifying group health plan to satisfy eligibility.
Limitations
Being honest about what the benefit doesn't cover is more useful than pretending everything is included:
- More than 5 dependents requires a case-by-case review
- Spouse coverage assumes legal spouse or domestic partner - definitions follow IRS qualifying relative / qualifying child rules
- Dependents do not generate additional employer FICA savings - the savings are tied to the employee's pre-tax election