Understanding Minimum Essential Coverage Options

Why it’s important, how much you will save over State and Federal penalties, and which plan is right for your employees.

Learn more about Affordable Benefits, talk with one of our team members!

Understanding the various minimum essential coverage plans that you can offer your employees is essential to providing coverage that matters. At SBMA, we offer the most competitive limited medical plans in the industry. We ensure every client remains ACA compliant by offering our medical plans.

SBMA benefits serve employers with ACA mandated compliance requirements. It supports those employers by offering employees who need affordable benefits the right solution for them. Our mission is to provide great benefits at a great price. SBMA is nationally recognized as industry experts on ACA compliance, ERISA law, and Healthcare Reform, and we’re here to help!

In an effort to help you understand what the different types of Minimum Essential Coverage include review the following:

Standard MEC Plans

All minimum essential coverage plans are ACA compliant and provide affordable benefits to employees. Basic MEC coverage generally includes:

100% coverage of wellness and preventative services
Rx discount plan
Telehealth services (including mental health)

Understanding Minimum Essential Coverage Options

Enhanced MEC Plans

An enhanced MEC Plan takes basic MEC coverage one step further. This benefit package focuses on attracting and retaining top talent with benefits that include:

100% coverage of wellness and preventative services
Rx discount plan
Telehealth services
Primary care visits with a low copay
Urgent Care visits with a low copay
Specialist visits with a network discount
Laboratory services with a network discount

Highest-level MEC Plans

The top-level MEC plans include all of the basic Minimum Essential Coverage services. Along with additional benefits and coverage for added ACA compliance:

100% coverage of wellness and preventative services
Rx discount plan
Telehealth services
Primary care visits with a low copay
Urgent Care visits with a low copay
Specialist visits with a network discount
Laboratory services with a network discount
Rx coverage for generic and brand name with a low copay

SBMA provides a complete solution for ALE employers who want to provide affordable, ACA compliant benefits to their workers. Our streamlined technology and personal services provide a complete solution for our clients and their employees.