Find the plan that fits
Each limited medical plan covers preventive services at no additional cost, plus many of the most frequently used health care services at fixed copays.
Limited Medical Minimum Essential Coverage (MEC) Plans
Less than 60% actuarial group medical plan designed for everyday health care needs.
- First-dollar coverage copays (no deductibles or coinsurance)
- Limited coverage for network office visits, labs and imaging, urgent care visits, outpatient surgery and inpatient admissions
- Emergency visits covered in and out of network
- $0 additional cost for all services defined as preventive and mandated by the ACA
- Lower premiums than major medical
- Employees retain eligibility for ACA subsidies if offered or enrolled in an MEC plan
- ASO level funded financial arrangements
Limited Minimum Value Plan
A high-deductible group Minimum Value Plan (MVP) with 60% actuarial value, where meeting ACA Part B compliance is the main objective.
- No deductible or coinsurance hurdles
- Copay coverage for network office visits, labs and imaging, emergency and urgent care visits, outpatient surgery and inpatient admissions
- May be ideal for staffing companies that want a separate plan for full-time intermittent contract staff (employer subsidies required)
- Specialized benefits platform can administer tabular rates, provide weekly administration and manage all ACA under-30-hour/over-30-hour tracking
- Can be paired with an enhanced hospital indemnity plan
- ASO and level funded financial arrangements
Bridge Plans
A $0 deductible and 0% coinsurance medical plan designed to lower employee costs.
- Pretax costs start under $25 per week1
- UnitedHealthcare Choice Network
- Enhanced hospital indemnity
- Accident protection covers accidental death or dismemberment, injuries or conditions
- Employees retain subsidized ACA marketplace plan eligibility
- ASO level funded financial arrangements
Helping members understand and use their benefits
