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Minimum Essential Care Plan
A Minimum Essential Care Plan (MEC) is designed to provide what Federal law considers “minimum essential health coverage.” As a minimum essential coverage plan, it is not designed to cover a large share of total medical cost.
Federal law requires that all employees be automatically enrolled in the MEC plan unless they have coverage elsewhere.
What You Should Know
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There is no deductible - you don't need to meet a minimum out-of-pocket before benefits kick in.
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Preventive care (such as routine immunizations or screenings required under the Affordable Care Act) is covered at 100% if done via an in-network provider.
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Many services are not covered under this plan. For example: outpatient surgery, hospital stays, specialist visits, urgent care, and many diagnostic tests are listed as "not covered".
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The plan uses the First Health network. If you go out-of-network, you will likely pay 100% of the cost.
How to Use the Plan
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Stay in-network. To keep your cost lower and get the coverage applied, use providers in the First Health network.
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Use it for preventive care. The plan is best for staying up to date with basic health screenings and immunizations.
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Understand the limitations. If you anticipate major medical services - hospital stays, surgery, specialist treatments - this plan may not cover them.
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Click here to find a First Health provider:
MEC Plan Details
Click here to review the key benefits of the MEC plan.