Hey Fernando,

Minimum Essential Coverage (MEC) is health insurance that meets Affordable Care Act requirements. Employers have a requirement to offer at least MEC to any benefit-eligible employee. Non-compliance can result in a penalty of $214.17 PER eligible employee per month without coverage. 

Take a look at our MEC calculator to discover how much you can save by investing in MEC for your employees. 

At IHIA-SBMA, we aim to offer affordable, flexible, and compliant coverage for all employers. 

Our Basic MEC plans cover 100% of preventative services and wellness visits to the doctor. In addition, all members have access to 24/7/365 telehealth services and discounts on generic and brand prescriptions. 

These plans are the most affordable option under Minimum Essential Coverage.

Ultimate MEC covers the preventative services and wellness visits mentioned above, as well as primary care and specialist visits with a $15 copay. As well as urgent care, labs, and X-rays with a $50 copay. 

24/7/365 telehealth services are included under this plan, along with access to behavioral health telehealth services ($50 fee max 3 per  year)

Prescriptions under the Ultimate MEC plan are covered based on  your coverage tier.