Purchase MEC for QSEHRA Plan

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

QSEHRA Guidelines and MEC

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

Nonetheless, earlier than you’ll be able to take part in your employer’s QSEHRA, you need to present proof of Minimal Important Protection (MEC). That is straightforward in case you have a serious medical plan or are lined by your partner’s group plan–you in all probability have already got MEC! However what if you want to make use of another plan like a sharing ministry, short-term plan, indemnity plan, or one other sort of plan? A majority of these plans is not going to 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 may permit these plans to work with QSEHRA. MEC plans can be a pleasant praise to sharing ministries, short-term, and different various plans by masking preventive providers not sometimes lined by various 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 known 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 is not going to defend you when you’re sick or injured and shouldn’t be thought-about insurance coverage. They’ll simply pay to your physicals, effectively 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, ensure you’ve bought enough protection to associate with these plans. We don’t endorse these plans, though some distributors are providing reductions to our members. You’ll need to finish any functions with these distributors by yourself. We merely are offering a listing for you. Right here you go!

North American Well being Plans

North American Well being Plans provides a preventative MEC plan known as SelectMed that qualifies as MEC for QSEHRA. There are additionally three ranges of SelectMed plans accessible, and you may learn via 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 summary 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, remedy of accidents, prescriptions, psychological well being, MRIs, and so forth. Make sure you learn up on every plan, and the restrictions on the advantages, to ensure you know what each covers.

This MEC plan is just not accessible 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 may also enable you to analysis to seek out your medical doctors, and assist you determine what plan is greatest for you.

Need assistance discovering MEC for QSEHRA? 

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

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