About the Employer Freedom Plan
The Employer Freedom Plan Program
The Affordable Care Act (ACA) created many new rules and regulations and adds some ground breaking new benefits, rights, and protection. Certain levels of health coverage are required under ACA rules that count as Minimum Essential Coverage (MEC). A MEC is the legally defined Primary Health Plan (PHP).
We have gone a step further and paired a MEC plan with the Employer Freedom Plan that has either a $7,500/$15,000; $7,500/$15,000 with additional $15,000 In-Patient Benefit; $10,000/$20,000 with additional $15,000 In-Patient Benefit; $25,000/$50,000 with additional $25,000 In-Patient Benefit, Individual or Family Annual Maximum Benefit. These Annual Benefits meet over 85% of most American’s average annual health care needs. The Combined MEC & Employer Freedom Plan is a Supplemental ERISA Health Plan, has a Zero Dollar ($0.00) Annual Deductible, and covers the following:
|ACA Preventative Care, Routine Checkups, Pap Smears, Flu Shots, Immunizations, and Preventive Care Services||Covered at 100%, unlimited Annual Maximum Benefit|
|Primary Care, Specialist, Urgent Care & ER visits plus X-rays, CT & MRI Scans, Lab & Diagnostic services||Covered at coinsurance levels or up to Annual Maximum Benefit ($7,500/$15,000; $7,500/$15,000 with additional $15,000 In-Patient Benefit; $10,000/$20,000 with additional $15,000 In-Patient Benefit; $25,000/$50,000 with additional $25,000 In-Patient Benefit.)|
|Prescription Drugs (MEC) covered. All other Generic and Brand drugs covered by Freedom Plan||ACA drugs at 100% (includes birth control). All Freedom Plan Rx at coinsurance levels up to the Annual Maximum Benefit, then discounted prices thereafter unlimited.|
|All Inpatient & Outpatient Hospital services, All Professional Medical & Surgical services as medically required covered by Freedom Plan||Covered at coinsurance levels up to Annual Maximum Benefit i.e., ($7,500/$15,000; $10,000/$20,000; $25,000/$50,000). The benefits are Individual or Family Maximums|
|Telemedicine (TelaDoc) is a free service.
Dental & Vision Discount Card (Direct Dental Plans of America, Inc.)
|Telemedicine consultations covered at 100%. Dental & Vision services covered on a discounted FEE schedule, paid at point of service.|