MEC Plans
MEC stands for “minimum essential coverage,” and as its name suggests, a MEC plan satisfies the lowest level of healthcare coverage specified by the ACA. A MEC plan is a classification of health plans designed to give members access to fundamental benefits, such as preventive care and standard treatment services.
MEC plans usually focus on affordability and offer only the necessities, which allows them to keep their monthly premiums lower than health plans with more inclusive benefits and coverage. Still, MEC plans are a popular way to provide baseline coverage to businesses, individuals, and families simply looking for standard healthcare.
MEC Benefits
1. ACA Compliance
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Penalty Avoidance: By offering all employees an employer sponsored MEC plan you can avoid the IRS “A” penalty.
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Legal Compliance: Employers can use MEC plans to meet the ACA's employer mandate requirements.
2. Limited Coverage
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Essential Health Benefits: MEC plans typically cover essential health benefits, such as preventive care, emergency services, and maternity care.
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Affordability: MEC plans are often more affordable than traditional health insurance plans, making them a budget-friendly option.
3. Flexibility
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Customization: Employers can customize MEC plans to fit their specific needs and budget.
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MEC Shield
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MEC Premium
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MEC Platinum
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Employee Choice: Employees may have the option to choose additional coverage or supplemental insurance to enhance their protection.
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