Benefit Plans

Minor Medical

Affordable Care Act compliance at the lowest cost to the employer. Our minor medical healthcare benefit plans are designed to focus on Daily Usable Benefits employees need at a price they can afford. Most insurance coverage is unaffordable for working people. With Minor Medical employers can offer insurance that acts like Major Medical at a fraction of the cost.

Major Medical

Securing Major Medical coverage for mid sized employers. Our benefit plans combine the advantages of self-funding medical cost with the protection of stop-loss insurance. These benefits offer the stability of a group captive, with successful risk management strategies.

The combined strength can help mid-size employers (50-1000) reduce health care costs, streamline health care delivery, improve employee wellness, and achieve long-term financial stability.

Want to see just how much MEC can save your company?

Minor Medical

Rethinking ACA compliant insurance coverage for mid-sized to applicable large employers.

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Minor Medical Benefit Plans In Detail…

Employers want to offer benefits to maintain compliance, retain their employees and attract new talent. For many employers and their employees, the cost of Major Medical coverage is just too high. Minor Medical from Innovative Health Insurance Advisors is the perfect solution for those employers that are focusing on cost containment while offering daily usable benefits for their employees.

Administrative Services

All MEC penalty A compliant plans Include the following administrative services

Cobra Administration
Census Enrollment
Benefit ID Cards
Employer/Employee plan management portal
Bilingual enrollment material

“Minor Medical” – ACA Compliance Plan Options

Pick any combination of these options to offer your employees

Basic MEC Plan

freshbenies Power Package

Telehealth – Primary Care Unlimited – $0 fee
Rx Saving Plan Included

Rx Benefits

Generic Rx – non-preferred Discount Only
Brand Rx – Discount Only
Brand Rx – Discount Only

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Fresh MEC Plan

Wellness & Preventative Services Covered 100%

freshbenies Power Package

Telehealth – Primary Care Unlimited – $0 fee
Rx Saving Plan Included
Behavioral Telehealth $50 fee – 3x per year

Daily Usable Beenfit

Primary Care Visit Unlimited – $15 copay

Rx Benefits

Generic RX – Preferred Tier 1 – $10 Copay
Generic Rx – non-preferred Tier 2 – $25 Copay

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Enriched MEC Plan

ACA Compliant Benefits

Wellness & Preventative Services Covered 100%

freshbenies Power Package

Telehealth – Primary Care Unlimited – $0 fee
Rx Saving Plan Included
Behavioral Telehealth Unlimited – $85 fee
Advocacy – healthcare navigation Included
Doctors Online – Specialist email consult Unlimited – $0 fee

freshbenies freshSAVINGS

Dental, Vision, Chiropractic, Hearing Aid, Lab Test, MRI/CT, Medical Equipment, Diabetic Included

Daily Usable Benefits

Primary Care Visit Unlimited – $15 copay
Urgent Care Unlimited – $50 copay
Specialist Visits Network discount
Laboratory Services Network discount

Rx Benefits

Generic RX – Preferred Tier 1 – $10 Copay
Generic Rx – non-preferred Tier 2 – $25 Copay

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Superior MEC Plan

ACA Compliant Benefits

Wellness & Preventative Services Covered 100%

freshbenies Power Package

freshbenies freshSAVINGS

Dental, Vision, Chiropractic, Hearing Aid, Lab Test, MRI/CT, Medical Equipment, Diabetic Included

Daily Usable Benefits

Primary Care Visit Unlimited – $15 copay
Urgent Care Unlimited – $50 copay
Specialist Visits Unlimited – $15 copay
Laboratory Services Unlimited – $15 copay

Rx Benefits

Generic RX – Preferred Tier 1 – $10 Copay
Generic Rx – non-preferred Tier 2 – $25 Copay
Brand RX – Preferred Tier 3 – $50 Copay
Brand RX – NonPreferred Tier 4 – $75 Copay

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“TRIO” – ACA Compliance Strategy

Offer all three options for your employees to choose from

Basic-MEC

(pricing based on 125 enrolled in MEC, minimum enrollment is 25)

Covered Benefits:

Minimal Essential Coverage
73 Covered Wellness & Preventative
ZERO Copay & Deductible

Minimum Value offer – ($435.00 Per enrolled)

Zero enrollment requirement
Meets 60% Minimum Value & Affordability requirements
High deductible plan
Stop Loss Policy – A.M. Best Rated
No Underwriting requirement
PHCS MultiPlan Network & Reference Based Pricing model
100% of unused claims funding is returned

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Superior-MEC

(pricing based on 50 enrolled in MEC, minimum enrollment is 25)

Covered Benefits:

Minimal Essential Coverage
73 Covered Wellness & Preventative
ZERO Copay & Deductible
Primary Care Doctor – 3 visits per plan year (co-pay)
Specialist – 3 visits per plan year (co-pay)
Urgent Care – 1 visit per plan year (co-pay)
Laboratory, X-ray, Diagnostic, Pathology Services – 3 visits per plan year (co-pay)
Generic Rx Drugs (co-pay)

Minimum Value offer:

Zero enrollment requirement
Meets 60% Minimum Value & Affordability requirements
High deductible plan
Stop Loss Policy – A.M. Best Rated
No Underwriting requirement
PHCS MultiPlan Network & Reference Based Pricing model
100% of unused claims funding is returned

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Executive/Key Employee – MVP

(10ee enrollment requirement, final pricing subject to underwriting)

Plan Options:

12 different plan options – Bronze/Silver/Gold/Platinum
Individual – Family deductibles ranging from $6000/$12000 – $250/$750
Plan selection can be either PPO network or
Reference Based Pricing structure
Ability to offer more than one plan option
Level funded plan structure
100% of unused claims funding returned
Telehealth
Medical Questionnaires required
Single plan offer has 10ee enrollment requirement, multiple plan offering must have 10ee combined enrolled
All plans meet 60% Minimum Value, Affordability, and Minimal Essential Coverage requirements
First Health National Network
12/18 contract

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Level Funded Major Medical

Level funding allows employers to enjoy the financial consistency of a fully insured plan, while still reaping some of the savings benefits of a self-funded plan. Employers pay a set monthly fee for claims and administration, but instead of losing any savings at the end of the plan year, unused claims dollars are saved for the following year or given back to the employer.

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Level Funded Major Medical Benefit Plans In Detail…

During these uncertain times, you can bet employers are looking for benefit options that will meet their needs now and for the road ahead, something they won’t find with a fully insured plan.

Our Major Medical benefit plans combine the advantages of self-funding medical cost with the protection of stop-loss insurance, the stability of a group captive, and successful risk management strategies. The combined strength can help mid-size employers (50-1000) reduce health care costs, streamline health care delivery, improve employee wellness, and achieve long-term financial stability.

The Facts about Level Funding Health Plans

Level Funding plans lead to more significant potential savings for your clients.
Employers want more options than a traditional, fully insured plan can provide.
Showing Level Funding options can lead to new business and opportunities.
Level funding gives employers the freedom to create a benefits plan designed to save money while meeting the needs of their business and employees.

Better Broker Solution

Thinking outside the benefits box for your clients. With uniquely crafted plan designs and a full suite of benefits solutions. We can help brokers and clients change the status quo and achieve better outcomes with improved savings.

Worksite Benefits

Supplemental benefits that are customized to fit the employee’s additional healthcare needs

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Worksite Benefits In Detail…

Worksite benefits or “Voluntary Benefits”, are benefit plans that help employees offset out-of-pocket medical expenses. Worksite benefits are employee-paid and help cover the gap for high deductible policies. Many workers don’t have enough savings to pay medical bills in the event of a medical emergency or to cover their living expenses if an accident or illness prevents them from working. Voluntary benefits can help protect workers from financial devastation from out of pocket medical costs.

Accident

Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury

Critical Illness

Critical Illness Coverage adds a safety net for under-insured persons.

Hospital Indemnity

Hospital indemnity benefits can offset high deductibles and out-of-pocket expenses so that a hospital stay does not become a financial crisis.

Term Life

Term life insurance is an affordable way to provide financial protection for your loved ones during your working years.

Innovative Health Insurance Advisors

We partner with brokers to offer the best options to employers nationwide.

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freshbenies Telehealth

Keep your employees out of crowded ERs, Urgent Care Centers and Doctor’s Offices.

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Virtual Health / Telehealth In Detail…

Telehealth, or Virtual Health has emerged from the COVID-19 pandemic as the technology-hero. Doctors can diagnose from afar giving patients the care they need without exposing them to the risk of contracting an illness by being an a medical building. The time spent in transit to medical appointments is dramatically reduced, allowing sick people to stay home and get better.

Virtual health benefits are bundled with all of our Minimum Essential Coverage and Minor Medical Benefit Plans.

freshbenies, our industry partner, gives the most control with multiple healthcare-saving services – in ONE easy membership. Members save hundreds to thousands of dollars on their family’s healthcare (and more).

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24/7 Access to MDs

24/7 Access To Doctors at No Cost To You. Speak to a licensed physician when and where you need one by phone or on video.

Behavioral Health / Therapy

$50 Copay. Talk to a therapist by phone whenever you need one.*

*3X/year

BenieWallet FREE

Store and access all health-related cards in one easy place, so they’re ready anytime, anywhere.

Rx Drug Coverage

Widely accepted prescription drug card covers generics for physical & behavioral Rx’s

Vision & Dental

Vision and dental plans are among the most requested benefits employees ask their employers for nationwide. With Innovative Health Insurance Advisors, you can offer Vision & Dental at an affordable price

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Ancillary Benefits In Detail…

Ancillary Benefits such as Vision and Dental are incentives for key employees and a benefit any employer can make available to their workers. Our vision and dentistry partnerships create opportunities for reduced cost glasses, dental cleanings and emergency dental care around the country and around the world.

Innovative Health Insurance Advisors | Las Vegas, NV | Phone: Toll Free: 800.413.7487 | Local: 702.900.2382 | Email: info@innovativehia.com

DISCLAIMER

The information contained in this website is for general information purposes only. The information is provided by Innovative HIA, LLC and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

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