EssentialCare + Minimum Essential Coverage
So that you get the most from your benefits, we’ve created an online resource center to help you manage your benefits, make informed treatment and financial decisions, and live well. From finding a healthcare provider to taking advantage of discounts, we’re here to help.
For questions or assistance, please call EssentialCare Customer Service at 1-866-740-4006, Monday through Friday, 8:30 a.m. to 8:00 p.m. Eastern Time. A translation line is available for most languages.
Fixed Indemnity Medical Plan
Unlike traditional major medical plans where you must first satisfy an annual deductible before you are eligible to receive benefit payments, the Fixed Indemnity Medical Plan allows you to receive specific first dollar payments for covered healthcare services, regardless of what your medical provider charges. When a sickness or injury occurs, the Fixed Indemnity Medical Plan can help eliminate your financial concerns and provide support at a time when it is needed most.
Click here to view the Benefits at a Glance for the EssentialCare Fixed Indemnity Medical Plan.
This plan does not satisfy the Individual Mandate and you will be subject to the federal tax.
This plan allows you to receive a subsidy from the Health Insurance Exchange.
Fixed indemnity medical benefit plans are a supplement to health insurance. They are not a substitute for essential health benefits or minimum essential coverage as defined by federal health law. If you do not have other health insurance coverage, you may be subject to a tax penalty. Please consult with your tax advisor for more information.
Minimum Essential Coverage (MEC) Wellness/Preventive Plan
In addition to your EssentialCare Fixed Indemnity Medical Plan, your group offers a Wellness and Preventive Plan that covers wellness and preventative services, such as immunization and routine health screening only. This plan is in compliance with ACA rules and regulations, but it does not cover medical services or conditions caused by accident or illness. Enrolling in the MEC Wellness/Preventive Plan satisfies the Individual Mandate and you will not be taxed for failing to purchase insurance required by the Affordable Care Act. This plan does not allow you to receive a subsidy from the Health Insurance Exchange.
For information on the Wellness and Preventive Plan benefits, please visit https://www.healthcare.gov/coverage/preventive-care-benefits/.