Explaining Minimal Essential Coverage (MEC) and MEC+ Plans

Back to Insights

Explaining Minimal Essential Coverage (MEC) and MEC+ Plans

Insights for Brokers

Do you know all there is to know about MEC and MEC+? 

Planned Administrators, Inc. (PAI) is your trusted ally in navigating MEC and MEC+ plans. Understanding the ins and outs, including preventive health services, can elevate your ability to offer top-tier benefit solutions, ensuring compliance and client satisfaction. 

What are MEC and MEC+ plans? 

MEC is a type of health insurance that provides an affordable alternative to traditional major medical plans. This coverage is crucial because it helps employers who would incur penalties due to non-compliance with the ACA if they don’t provide coverage to all eligible employees. If the employer is looking for a more robust plan than the MEC plans, PAI has created MEC+ plans. In addition to covering the required preventive and wellness services mentioned below, they offer some basic inpatient, outpatient, and pharmacy benefits per day.

Covered Preventive Health Services 

For Adults:

  • Cholesterol screening for adults of certain ages or at higher risk.

  • Colorectal cancer screening for adults 45 to 75.

  • Immunizations and vaccinations.

  • And more.       

For Women Only:


  • Screening during pregnancy for anemia, bacteriuria, syphilis, and Rh incompatibility.

  • Contraception.

  • And more.

For Children: 

  • Vaccinations.

  • Autism screening at 18 and 24 months.

  • Behavioral assessments for children from birth through age 17.

  • And more.

How can you leverage this knowledge?

  • Helping Your Clients: With a solid understanding of MEC and MEC+ plans, you can determine if one of these plans is right for your client. 

  • Building Trust Through Knowledge: Trust is one of the most important parts of our industry. Understanding MEC and MEC+ plans and other relevant topics helps you become a trusted advisor. This allows you to confidently answer client questions and give advice that works for them.  

PAI's Role in Your Journey

We understand that being a successful broker goes beyond just gaining clients — it's about creating value through insightful guidance and reliable service. Our customizable benefit solutions are designed to provide comprehensive, tailored coverage to your clients. 

We equip our partners with tools necessary for success — from detailed insights into regulatory changes to robust administrative support that allows you more time to focus on client interactions rather than backend processes.

At PAI we're more than just administrators, we're innovators committed to advancing how healthcare benefits serve everyone involved, from brokers to businesses across all sectors. Let's navigate this journey together, and grant better understanding, improved compliance, and superior client satisfaction. 

PAI is Your trusted Partner in MEC and MEC+ Administration 


[Learn More]