April 11, 2026 · EZaccessMD Team
Self-Funded Employers: Why Mobile Diagnostics Are Your Best Cost Containment Lever
For self-funded plans, every ER visit hits the bottom line directly. Mobile diagnostics divert the visits that shouldn't have been ER visits in the first place.
If you're a self-funded employer, you already know the math: every claim dollar comes out of your pocket. Unlike fully-insured plans where the carrier absorbs risk, self-funded plans mean you pay actual claims.
And the most expensive claims per unit? ER visits.
The average ER visit costs $4,066. Many of those visits are for conditions that could have been diagnosed and treated without ever stepping into a hospital — strep throat, UTIs, minor fractures, flu symptoms.
The ER Diversion Opportunity
EZaccessMD's model is built around one insight: if you can diagnose and treat a condition before the patient reaches the ER, you save the ER cost entirely.
Our mobile medical units carry the diagnostic equipment that telehealth-only platforms lack: portable X-rays, rapid tests, EKGs, ultrasound. When a telehealth consultation reveals that a patient needs a strep test or an X-ray, we send the equipment to the patient instead of sending the patient to the ER.
The Math for Self-Funded Plans
For a self-funded employer with 1,000 covered lives:
- 810 consultations per year (81% utilization)
- 235 mobile deployments (29% of consultations)
- 59-94 ER diversions (conservative to base case)
- 173-288 UC diversions
At $4,066 per ER diversion and $158 per UC diversion, gross savings range from $267K to $428K. Net of subscription cost, estimated savings are $124K to $283K.
Why This Matters More for Self-Funded
Fully-insured employers see these savings reflected in renewal rates over time. Self-funded employers see them immediately in claims data. The ROI is direct, measurable, and visible in the same quarter.
Getting Started
Most implementations take 2-4 weeks. Our team works with your TPA to ensure clean claims integration.
See your specific projection at ezaccessmd.com/calculator.
EZaccessMD is NOT health insurance. We provide easy and convenient ACCESS to quality healthcare. Savings are estimated; your actual results may vary.