Minimum Essential Coverage Plans (MEC)

Minimum Essential Coverage Plans (MEC)

Our low-cost MEC plans give employees the health benefits required by law.

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Our MEC plan options are solid, low-cost alternatives to traditional medical insurance.

BMA specializes in Minimum Essential Coverage plan options to include Minimum Value Plan, which help employers be compliant with all current Affordable Care Act (ACA) requirements under the Employer Shared Responsibility Provisions (ESRP). Our plans are perfect for small employers as BMA does not require our clients to have a minimum number of employees.

MEC eliminates the costly penalty that employers would otherwise have to pay for each employee under the Affordable Care Act (ACA) by covering preventive and wellness-related tests and treatments.

MEC Plan Features

  • Covers 100% of the government's listed Preventive and Wellness Benefits when members visit a network provider.
  • Provides first dollar coverage with access to one of the largest national preferred provider organizations (PPO) available
  • Strong PPO network discount savings
  • Network savings can be used for services not covered by the MEC.

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Minimum Value (MV) Plans

Minimum value is a standard of minimum coverage that applies to employer group health plans and is only one part of the Employer Shared Responsibility Provisions (ESRP) under the ACA. A health plan meets the minimum value standard if both of these apply:

  1. It’s designed to pay at least 60% of the total cost of medical services for a standard population.
  2. Its benefits include substantial coverage of physician and inpatient hospital services.

Covered Services in Minimum Essential Coverage

There are 63 preventive services covered at 100% under the required government list of Preventive and Wellness Benefits when a member visits a network provider. Services covered include immunizations, blood pressure screenings, diabetes and cholesterol screenings, prenatal visits for pregnant women and more. A full list of the covered services is included below.

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Ready for the next step? Request a consultation to learn how MEC plans can serve the needs of your business.

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