MEC Plans and More...


Minimum Essential Coverage (MEC) is employer sponsored health insurance coverage that limits your company’s exposure to penalties under the Affordable Care Act.



  • Limits exposure to ACA penalties
  • Level self funded model
  • No underwriting 
  • Low minimum participation
  • Best net pricing in the market
  • Multiple plan designs & price points
  • Identical plan coverage in all 50 states


  • Meets ACA individual mandate (NJ, CA, RI, DC & more states to follow)
  • Easy to Use
  • Full preventative care coverage
  • Copay plan options with unlimited visits


The Options Plus MEC Plan covers the ACA mandated preventative care services for adults, women and children.


For a Full List of Covered Services Click Here


MEC Plan Features

To add even more value, our plans include added benefits like...

  • Virtual Behavioral Health

    For a $50 Copay, talk to a therapist by phone whenever you need one.

  • Telemedicine

    At no cost to you, talk to a doctor by phone or video call 24/7 and receive diagnosis and even prescriptions when necessary. Use while on vacation, at the office, or in place of a doctors visit. Convenient care 24/7.

  • MEC Companion

    With our exclusive MEC Companion card, receive discounts on benefits like dental, vision, durable medical equipment, diabetic supplies, pet care, fitness, and more...

Plan Enhancements

Want more? Include ancillary options as well...

  • Critical Illness

    Critical illnesses include stroke, heart attacks, Parkinson’s, cancer, and more. Our policies can cover over 30 major illnesses. If you happen to get diagnosed with one of these illnesses, our plans can pay you a lump sum of up to $50,000.

  • Accident

    Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport.

  • Dental

    Dental coverage helps protect your overall oral care. That includes things like preventive cleanings, x-rays, restorative services like fillings, and even more serious forms of oral surgery that you might need one day.

  • Vision

    Vision insurance covers benefits not typically covered under your medical insurance plan. It includes things like routine eye exams and discounts on the purchase of new eyeglasses, contact lenses, or corrective surgery like Lasik.