Health Plans

A minimum essential coverage (MEC) plan is a type of healthcare that meets the minimum standards established by the Affordable Care Act (ACA). A MEC plan is intended to offer members a basic form of healthcare with essential benefits like preventative services, discounts on prescriptions, and telemedicine options.

Navigating health insurance is difficult enough, but it doesn’t get any easier when health insurance policies and the regulations surrounding them are constantly changing. Whether it’s big insurers shifting their approach, new laws being passed, or the market skyrocketing rates, change seems to be inevitable in the industry.

Much like many other industries, the healthcare landscape is rapidly changing with the enhanced integration of technology. Health insurance companies have begun integrating technology into their health insurance policies and plans to make administrative processes simpler and accessing care more convenient.

Whether you currently have health insurance or need to begin searching for plans, you need to know about open enrollment. Open enrollment is an important time for securing the insurance coverage you’ll need over the course of the year. Understanding how this process works and how to prepare will ensure that you can find a healthcare plan that meets your and your family’s needs while avoiding any gaps in coverage.

Among the many nuances of health insurance that are important to understand is an insurance company’s network. Knowing the difference between in-network vs. out-of-network helps you make more thoughtful decisions when seeking medical services.

Small businesses have a lot to gain by offering health insurance to their employees, including fewer call-outs and improved morale. However, the increasing costs of group health insurance make it difficult for many small business owners to reasonably pay the costs for a strong health plan.

In the search for a reliable healthcare plan, there are dozens of factors to consider. One of the biggest considerations is a plan’s deductible. A deductible is the amount of money you pay out-of-pocket for covered health care services before your insurance plan starts to provide coverage.

The world of health insurance can certainly be complex at times, which can cause many myths to develop and spread. However, the misinformation surrounding family health insurance can come with disadvantages, like people skipping health insurance coverage entirely, which offers several risks in a health emergency. 

You always want to protect your family, and one of the best ways to do so is to ensure your family has the best healthcare coverage possible. However, it can be difficult to navigate the health insurance process and find a plan that will account for your family member’s unique needs.