OUR COMPANY
Affordable Benefit Choices
Affordable Benefit Choices is a consulting, plan design, and vendor management firm which provides employer with innovative solutions for their obligations under the Affordable Care Act like WellMEC™ and ACA & After™. ACA & After™ is an Affordable Care Act “sunset” plan, which ensures that employers are currently compliant, but have no ongoing financial obligations if and when the employer mandate is repealed.
ABC uses its unique skills and specialized training to create innovative plans that meet three main goals:
Penalty-proof ACA Compliance
Highest possible value for employees
Lowest possible cost for employers
Employer Plans
WellMEC™ is the original fully-guaranteed, cost-efficient ACA compliance solution. It offers participants ACA-required preventive and wellness benefits, with no employee cost sharing for neither products nor services.
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- Absolute compliance guarantee
- MEC Plan Design
- Employer pays all fee costs
- No participation requirements
- Benefits Administration Included
- Variable Hour Tracking Available
- ACA Reporting Services Included
- Pharmacy discount card Available
- Offered in conjunction with WellMIN™
ACA states that employers must offer a Minimum Essential Coverage plan to include preventive care services at no cost sharing to participants for certain “in network” preventive services. In partnership with Affordable Benefit Choices (ABC), Incela is pleased to present WellMIN™–a comprehensive, low-cost solution offered to help businesses meet those challenges posed by ACA. For a cost far below the fees charged by traditional medical plans, WellMIN™ fully satisfies all employer ACA requirements. Built by experienced ERISA and tax attorneys, accountants, and other employee benefits experts, WellMIN™ are patent-protected and come with a guarantee against, penalties, fines or excise taxes for non-compliance with ACA.
For employers who desire additional options for their employees, WellPLUS™ is a cost-effective alternative to major medical plans.
Features:
- Designed for a greater level of protection for the employee
- $50 minimum employee contribution
- Combined participation requirement with MEC plan
WellSHARE™ is a MEC plan partially funded by the employer and partially funded by the employee. WellSHARE™ offers participants preventive and wellness benefits for a 50% share of the costs.
Features:
- Flexible Minimum Essential Coverage
- 90 Employee Minimum
- 50% Minimum Employer Contribution
WellCHOICE™ is a voluntary MEC plan that permits employers to offer health coverage without contributing to the monthly program fee cost. Instead, employees fund 100% of monthly program fee costs for preventive and wellness benefits.
Features
- Voluntary Minimum Essential Coverage
- 100 Employee Minimum
- 0% Minimum Employer Contribution
Individual and Family Plans
WellCARE18TM provides coverage for the preventive health and wellness services required by the Affordable Care Act’s PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellCARE18TM provides more coverage than a traditional MEC plan. WellCARE18TM does not cover out-of-network services.
WellVISITTM provides coverage for the preventive health and wellness services required by the Affordable Care Act’s PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellVISITTM has low copays and no deductible or out-of-pocket maximum. WellVISITTM does not cover out-of-network services.
WellVALUETM provides coverage for the preventive health and wellness services required by the PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellVALUETM has low copays and no deductible or out-of-pocket maximum. WellVALUETM does not cover out-of-network services.
WellPRIMETM provides coverage for the preventive health and wellness services required by the Affordable Care Act’s PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellPRIMETM has no deductible or out-of-pocket maximum. WellPRIMETM does not cover out-of-network services.
WellEssentials 500TM provides coverage for the preventive health and wellness services required by the Affordable Care Act’s PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellEssentials 500TM provides coverage for a broad range of medical services, as outlined in the table below.
WellEssentials 2.5TM provides coverage for the preventive health and wellness services required by the Affordable Care Act’s PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellEssentials 2.5TM provides coverage for a broad range of medical services, as outlined in the table below.
WellEssentials 5.0TM provides coverage for the preventive health and wellness services required by the Affordable Care Act’s PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellEssentials 5.0TM provides coverage for a broad range of medical services, as outlined in the table below.
WellEssentials 7.0TM provides coverage for the preventive health and wellness services required by the Affordable Care Act’s PHSA § 2713 (a). This health plan provides Minimum Essential Coverage and satisfies the “A Tax” penalty and Individual Mandate. WellEssentials 7.0TM provides coverage for a broad range of medical services, as outlined in the table below.
We are Here to Help
Affordable Benefit Choices filed for it's first patent on the most popular ABC plan (WellMEC™) in early 2013. Although ABC continues to adapt to changes in the benefits marketplace and the needs of our clients, the core features of our plans have never changed – nor has any ABC plan ever been challenged by state or federal regulators.
Do you offer customized plans in addition to off the shelf designs?
Absolutely. We innovate and customize unique designs for clients of all varieties across the country on a regular basis. Please let us know your goals or circumstances and we will create the plan that fits your needs best.
Do all full-time employees receive a bona fide offer of a Minimum Value Plan?
For all applicable large employers, they should. ABC plans are available in conjunction with WellMIN™, a fully ACA-compliant Minimum Value plan, with no minimum participation requirements.
Does the plan’s designer stand behind it?
All ABC plans come with an ACA compliance guarantee – if a sponsor ever gets fined or penalized due to any ABC plan defect, ABC pays – you don’t.