Wondering what MEC plans are?
What Are MEC Plans?
If you've ever wondered about MEC plans, you're not alone. Many people are curious about what exactly minimum essential coverage entails. In this article, we will delve into the concept of MEC plans, explaining what they are and the purpose they serve.
So, what does MEC actually cover?
A minimum essential coverage plan, often referred to as a "MEC" plan, provides coverage for a comprehensive range of healthcare services as mandated by the Affordable Care Act (ACA). MEC can be found in various types of medical plans, including standard market plans, self-funded plans, and even Medicare and Medicaid plans.
However, the question remains: what specific services does a MEC plan cover?
In essence, MEC plans come in three different levels, each offering valuable benefits to help individuals manage their healthcare needs. The first level is basic MEC, which grants access to a preferred provider organization (PPO) network. This means you can have in-person visits with nearly any doctor who participates in the national PPO network. A basic MEC plan typically includes approximately 88 different types of preventive or wellness visits, all of which can be obtained with a $0 copay.
A basic MEC plan may also encompass telemedicine services, allowing you to consult with doctors remotely. With unlimited teledoc visits and a $0 copay, this feature proves beneficial, especially considering that some telemedicine calls may result in discounts on prescriptions or other healthcare needs.
If you require more comprehensive care, an enhanced MEC plan might be the ideal choice. This plan builds upon the benefits offered by the basic MEC level but provides additional advantages. Enhanced MEC plans usually offer low copays for primary care visits, discounts on urgent care, labs and X-rays, and copays of $10 or $25 for generic medications, all without the need to satisfy a deductible.
Lastly, there is the ultimate MEC level, which combines the benefits of the previous two MEC plans and offers an even higher level of coverage. Ultimate MEC plans include first-dollar copays for physician visits, specialist visits, labs, urgent care, and X-rays. Additionally, the plan grants unlimited access to telemedicine services, behavioral and mental health visits, and a four-tier drug program. The drug program includes two tiers for generic medications and two tiers for formulary drugs.
Armed with a better understanding of MEC plans, you can strengthen your existing client relationships and foster organic growth in your revenue stream. To explore further details about MEC plans and their benefits, we invite you to visit EvolvedBenefits.com
Please note that this article is intended to provide a general overview of MEC plans, and it is advisable to consult with a qualified insurance professional or review specific plan details for comprehensive information.