Up to date with 2024 pricing: Want MEC on your QSEHRA plan that meets QSEHRA necessities and QSEHRA guidelines? This is a round-up of your finest choices for MEC plans for QSEHRA (Certified Small Employer HRA).

QSEHRA Guidelines and MEC

QSEHRA is the brand new, tax-efficient method for small employers to supply well being advantages. In case your employer is providing you a QSEHRA, congrats! It might take a bit bit to get the hold of, however we guess you may rapidly be taught to find it irresistible. It is the one setup amongst small enterprise medical health insurance choices that enables workers to get reimbursed for particular person well being premiums and medical bills (if allowed by the QSEHRA). Basically, you are being handed a blank-check of pre-tax cash to spend on what you want. 

Nevertheless, earlier than you’ll be able to take part in your employer’s QSEHRA, you will need to present proof of Minimal Important Protection (MEC). That is simple when you have a significant medical plan or are coated by your partner’s group plan–you most likely have already got MEC! However what if you need to make use of an alternate plan like a sharing ministry, short-term plan, indemnity plan, or one other kind of plan? All these plans won’t meet the MEC requirement on their very own. The excellent news is there are alternatives to buy MEC for your self and your loved ones that can permit these plans to work with QSEHRA. MEC plans can be a pleasant praise to sharing ministries, short-term, and different different plans by masking preventive providers not usually coated by different plans.

→ Learn a shopper’s story of utilizing Medi-Share and QSEHRA with Take Command.

The place to purchase MEC for QSEHRA Plan

Vital! The next distributors promote what’s referred to as P-MEC or “Preventive-Solely MEC”. These plans meet the MEC necessities by offering 100% of your and your households preventive care. These plans won’t defend you if you happen to’re sick or injured and shouldn’t be thought of insurance coverage. They may simply pay on your physicals, properly visits, immunizations, screenings, and different preventive wants (you’ll be able to see a full record of what they cowl right here) and nothing else. So please, be sure to’ve bought sufficient protection to associate with these plans. We don’t endorse these plans, though some distributors are providing reductions to our members. You will want to finish any purposes with these distributors by yourself. We merely are offering an inventory for you. Right here you go!

North American Well being Plans

North American Well being Plans affords a preventative MEC plan referred to as SelectMed that qualifies as MEC for QSEHRA. There are additionally three ranges of SelectMed plans out there, and you’ll learn by means of the advantages in every tier on pages 4 and 5 of their brochure right here. Pricing varies primarily based on the tier (as does extent of protection).

Right here is an outline of their month-to-month plan pricing. 

North American Well being Plan Month-to-month Premiums 

The fundamental plan covers simply your preventative & wellness providers. The upper tiers start so as to add in some primary advantages for specialists, therapy of accidents, prescriptions, psychological well being, MRIs, and many others. Make sure to learn up on every plan, and the restrictions on the advantages, to be sure to know what every one covers.

This MEC plan just isn’t out there in Alaska, Hawaii, Massachusetts, and New Hampshire.

To enroll, you’ll be able to attain out on to Lynne Timm, LUTCF, insurance coverage advisor, at North American Well being Plans, at lynnetimm214@gmail.com or 214-762-4247.  Lynne can even make it easier to analysis to search out your medical doctors, and assist you determine what plan is finest for you.

Need assistance discovering MEC for QSEHRA? 

We’re right here to assist! Simply chat with us in the precise hand nook of your display. We might be happy that can assist you. 

This publish was initially printed in 2018 and has been up to date with new data and insights for 2023.