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
Guaranteed compliance which covers all ACA employer penalties
Variable Hour Tracking
Benefits Administration Platform
1094/1095 Reporting
No exclusions for pre-existing conditions
Benefits are offered on a guarantee issue basis for eligible employees – no medical questions, underwriting or evidence of insurability required
First dollar coverage - no deductibles or co-pays to meet up front
Pre-underwritten, uncoordinated fixed indemnity benefits available
Access to a National PPO network, resulting in discounted expenses to the plan
Unlimited coverage, including reinsurance from multiple A-Rated carriers
COBRA administration included
Full bilingual (English-Spanish) services
Rx discount card
Uniformity in all 50 states
Schedule of Benefits
Since the only benefits offered under this Plan are preventive and wellness services, all in network services will be covered at 100% of the cost by the Plan, and the Plan Participants will owe 0% of the cost of these covered preventive and wellness services. Out of network services will be covered at 0% of the cost by the Plan, and Plan Participant will owe 100% of the cost of these covered preventive and wellness services.