Who We Are
At Big River Benefits, our mission is simple: to restore trust, simplicity, and integrity in healthcare — one business at a time. Founded by a veteran who witnessed firsthand the frustrations of broken systems and costly, impersonal care, we set out to build something different.
We serve businesses who believe their people deserve better — not just in care, but in how it's delivered. Our model helps employers offer high-quality healthcare without the complexity or rising costs of traditional plans. And we do this by partnering with local Direct Primary Care (DPC) clinics, empowering physicians to care for patients on their terms — no third-party approvals, no interference.
Together, we build benefit plans that:
Reduce overall healthcare spend
Increase employee satisfaction and retention
Eliminate common roadblocks like pre-authorizations and surprise billing
Preserve physician autonomy and clinical integrity
WE SERVE:
Employers who want a better solution for their teams
DPC Clinics who want to serve patients without sacrificing their values
30%+
EMPLOYER SAVINGS
54%
FEWER ER VISITS WITH DPC
94%
DPC PATIENT SATISFACTION
91%
PHYSICIAN SATISFACTION
25%
LESS HOSPITALIZATIONS
13%
FEWER INSURANCE CLAIMS
Who We Serve
Direct Primary Care Clinics
We partner with independent DPC clinics who believe in real doctor-patient relationships, full autonomy, and care without compromise. You became a doctor to help people — not to battle billing codes and insurance red tape. We’re here to protect that mission and bring your value to the forefront, connecting you with the right employers and patients who truly understand the power of your model.
Employers
We help employers reimagine healthcare as a benefit, not a burden. By eliminating unnecessary insurance costs and middlemen, we create custom benefit solutions that deliver better care, lower costs, and happier, healthier teams. Whether you’re tired of skyrocketing premiums or want to offer something truly meaningful, we help you build a better path forward.
Neil and Amy Engelmann, owners of O'Neill's Pools and Hot Tubs, describe how DirectMed DPC & Virtuous Benefits (Big River Benefits Partner) have helped their swimming pool repair, maintenance, supply sales, and hot tub business.
Employers
Ready to Rethink Your Benefits?
If you’re tired of watching premiums rise while your team receives less care, you’re not alone. Big River Benefits was built to help employers like you cut through the chaos and deliver real value. We’ll help you design a simple, affordable healthcare plan that puts your people first — without the insurance headaches.
Book a call with Big River today and let’s start building a smarter plan for your business.
DPC Clinics
Let’s Protect Your Practice
You started your clinic to make a difference — not to answer to insurance companies. At Big River Benefits, we bring DPC clinics into the spotlight by connecting you with aligned employers and ensuring you keep full autonomy over how you practice. No pre-authorizations. No interference. Just real partnerships.
Book a call with Big River today to explore how we can support and grow your impact.
Healing the System, One Relationship at a Time
You shouldn’t have to fight the system to feel seen — we’re here to change that.
We’re not just changing health plans — we’re bringing care back to healthcare.
Andrew Jenkins
Founder's Story
A Broken System. A Better Way.
“I started Big River Benefits because I saw firsthand what happens when good people fall through the cracks of a system that’s supposed to care for them.”
I’m Andrew — a veteran, a husband, and the founder of Big River Benefits.
Healthcare was never supposed to be this hard.
As someone who’s navigated both military and civilian healthcare systems — as a patient, a family member, a father, and now a business owner — I’ve experienced the frustration from every angle. I watched employers drown in rising premiums, families skip care due to cost, and doctors burn out trying to do the right thing in a system built to say no.
Then I discovered Direct Primary Care (DPC).
And everything changed.
My wife is a DPC doctor. She chose this path so she could care for people, not paperwork. Seeing her rebuild trust with patients — giving them time, access, and real answers — showed me what healthcare could be. It lit a fire in me.
That’s when Big River Benefits was born.
We’re not an insurance agency. We’re a partner.
We work hand-in-hand with employers and DPC physicians to deliver real healthcare solutions — simple, transparent, cost-effective. No middlemen. No gotchas. Just results.
Watch My Story — and why Big River is about more than benefits.
------------- CONTACT US FOR MORE
Reimagine Your Health.
We partner with businesses and Direct Primary Care doctors to remove the red tape, cut costs, and bring integrity back into healthcare. Whether you’re an employer tired of overpaying or a physician tired of being handcuffed — we’re building something better, together.
WE ARE HERE FOR YOU!
Call +1 (636) 339-4747
What our Customer are Saying
Reimagine Your Healthcare Experience.
“I’ve always wanted to provide meaningful work and great health services for our employees — this was the cherry on top.”
“I greatly underestimated the challenge of finding and keeping good employees. A benefits package helps us attract and retain talent that other companies simply aren’t offering.”
“Our industry typically doesn’t offer benefits to pool cleaning or repair techs — we wanted to change that.”
“Other plans were confusing and expensive. With Direct Med, we understood the value immediately — and it made sense.”
“Our employees almost don’t believe it’s possible… being able to call or text your doctor directly? Everyone who’s used it has been thrilled.”
“Very laid back, easy to understand, and answers to all of our questions. It couldn’t have been simpler.”
“If you’re a business owner, I highly recommend it. It’s cost-effective, keeps our employees healthy, and has been an amazing experience.”
— Neil Engleman, Owner, O’Neill’s Pools & Hot Tubs (via Virtuous Benefits Partner)
POPULAR QUESTIONS
Questions ?
Still have questions? You’re not alone — and we’ve got answers.
We know healthcare can feel overwhelming, so we’ve gathered the most common questions from employers and DPC clinics alike. From how our model works to what makes us different, find everything you need to know below.
How does Big River Benefits help employers?
We partner with businesses to lower healthcare costs while giving employees better access to care. Our model cuts out middlemen and unnecessary billing, delivering real value and transparency. Employers see happier, healthier teams — and significant savings.
What is Direct Primary Care (DPC) and how is it different?
DPC is a membership-based model where patients pay a flat monthly fee for unlimited access to their doctor — no copays, no deductibles, and no insurance interference. Unlike traditional models, doctors have more time with patients, which leads to better outcomes, stronger relationships, and less burnout for physicians
Do you replace traditional insurance?
Big River Benefits is not just an insurance company. We’re a new kind of partner — one that helps employers offer better care at a lower cost by connecting them with Direct Primary Care and customized benefit solutions. We remove the confusion, middlemen, and hidden fees so your team gets real care with real results.
How is this different from traditional insurance?
Our model replaces complexity with simplicity. There’s no network runaround, no pre-authorizations, and no third party telling doctors how to care for patients. We design plans that put people first — not paperwork.
What kinds of businesses do you work with?
We work with a range of businesses, nonprofits, family-owned companies, and organizations that want to take better care of their people — without breaking the bank. Our solutions are tailored and scalable. We also support DPC doctors who want to grow their practice without giving up autonomy or dealing with insurance bureaucracy.
What do you mean by "real results"?
Real results mean healthier teams, lower absenteeism, reduced HR headaches, and massive savings. Employers see up to 30% cost savings, and employees get direct access to doctors who know and care about them.
Do employees still have access to specialists, labs, or hospitals?
Not just healthcare. A better system.
Direct Primary Care (DPC) provides foundational care — everything from checkups to urgent needs, without red tape. But we take it a step further.
Our ACA-compliant plans give your team full access to the broader system — including specialists, hospital visits, and everything traditional insurance claims to offer, without the bloat or confusion.
Because your employees deserve real care, not just coverage
Contact Us Today!
FROM OUR BLOG
OUR RECENT POSTS
Check out our Blog for more on Big River Benefits and how we are helping change healthcare!
Rethinking Healthcare: Why Big River Benefits Was Born
Rethinking Healthcare:
Why Big River Benefits Was Born
At Big River Benefits, we believe something better is possible.
For years, families, business owners and employees alike have struggled under a broken system — rising premiums, long wait times, red tape, and a total lack of personalization. Employers are paying more and more for healthcare plans that their teams barely use or even understand.
We decided enough was enough.
Built by Someone Who’s Been Inside the System
Big River Benefits was founded by Andrew Jenkins, a veteran who spent over 15 years serving as a soldier, contractor, and civilian. After witnessing firsthand how deeply broken the healthcare system had become — both as a patient and as a professional — Andrew made the bold decision to step away from the traditional model.
Andrew launched Big River Benefits to give employers and families something better:
More access.
More trust.
Less cost.
Less confusion.
This isn’t about slapping a new label on the old system. It’s about starting fresh with a people-first model that actually works.
What Makes Big River Benefits Different?
✔️ Predictable Pricing
One simple monthly rate per employee. No co-pays, no surprise bills, no chasing reimbursements.
✔️ Same-Day Access
Your team shouldn’t wait weeks to be seen. With our DPC partners, most patients are seen the same or next day.
✔️ Real Relationships with Real Doctors
This isn’t a rotating list of providers. It’s care built on long-term relationships — where your employees are seen, heard, and actually cared for.
✔️ Concierge-Level Support
We don’t hand you a binder and disappear. We walk alongside your team, educating, onboarding, and supporting your employees every step of the way.
The Proof Is in the Results
Our model — built around Direct Primary Care — is already making a measurable impact:
94% patient satisfaction
54% fewer ER visits
30% average annual savings for employers
These aren't just numbers — they represent real care delivered to real people, without all the waste, delay, and frustration of traditional group health.
Who We Serve
From lean startups to full scale teams, our solutions scale with your business. Whether you're local to St. Charles, Missouri or operating nationwide, we can tailor a plan that fits your team and budget — without compromising on care.
We’ve helped:
Business owners struggling with rising costs
HR leaders looking to improve retention and morale
DPC physicians looking to serve more patients without burnout
Healthcare With Heart. Service With Purpose.
Big River Benefits is more than a service — it's a mission. We are faith-driven, veteran-founded, and committed to helping businesses offer more without paying more.
If you're tired of the old way of doing healthcare, you're not alone — and you're not stuck.
Ready to Learn More?
Whether you're an employer looking for better benefits or a DPC provider ready to partner, let’s talk.
Book a call with us today.
Big River Benefits — Built on Trust. Driven by Purpose.
Reimagine Healthcare.
