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Minimum Essential Coverage (MEC) Plans for Employees -

As low as $133.75 per month employee-only coverage


MEC Plans are an affordable option for employers with a large number of low-wage employees (such as restaurants, leisure and hospitality companies, labor companies, daycare centers, franchise owners, veterinary practices, etc).  MEC plans offer all of the same benefits as a major medical plan either with minimal or no hospitalization coverage, and the price is a fraction of the cost of a major medical policy.
Minimum Essential Coverage offers:
  1.  Preventative care (routine physical exams, mammograms, etc.) 
  2.  Primary Care and Specialist Office Visits at a low copay
  3.  Regular diagnostic and advanced diagnostic/imaging at an affordable copay
  4.  Discounts on prescriptions
  5.  A wide network of physicians
  6.  TelaDoc Telemedicine (click here for more information).
In all likelihood, these benefits will decrease the employee's chances of needing hospitalization.
Employees can pay the full premium or the Employer can pay a portion.  Low-income employees will have good medical coverage (that is not just catastrophic coverage) at a very low cost. 
MEC plans are ACA compliant, so employers and employees don't have to worry about any penalties associated with ACA mandates.

Following is a Summary of Benefits for the most popular plan:





  • Guarantee issue

  • Minimum group size of 4 employees

  • No participation requirements

  • Employer can contribute 0%-100% of premium

  • Can be used alongside most major carriers (medical, voluntary, ancillary)

  • COBRA services are included in premium

  • All 1094 & 1095 forms are filled out at no additional charge

  • If member exceeds 3 primary care, 3 specialists and/or 3 urgent care visits, member will receive PHCS network discount

  • Rates do not increase for four (4) years.

  • TELADOC 24/7 (Multilingual)

  • Pharmacy Benefits (Welldyne Rx)

  • Preventative Care Visits

  • Primary Care Visits (3 per plan year)

  • Specialists Visits (3 per plan year)

  • Urgent Care Visits (3 per plan year)

  • MRI and CT Scan Benefits (max 1 CT or MRI per plan year)

  • X-ray and Lab Benefits (5 per plan year)

Other plans are available which may include minimal hospitalization coverage. 

Enrolling your employees is easy.  Just call us at 770-751-8720 and we'll get you started or you can email us at


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