MEC+ Essentials
ACA-compliant preventive care (MEC) paired with HSA eligibility and unlimited virtual healthcare
What's Included
Virtual Care
Connect with a doctor 24/7/365 for $0
Primary care
Urgent Care
Dermatology (3 visits per household, per year)
Preventive Care (MEC)
Minimum Essential Coverage (MEC) preventive services, as mandated by ACA, at no cost
Annual wellness exams
Preventive screenings (e.g. colorectal, mammograms, etc.)
Immunizations
Must use the PHCS provider network when available in your location
Mental Health
Confidential counseling support when you need it
Virtual Behavioral Health: $0 mental health counseling
Virtual Psychology: For more serious conditions with a licensed Ph.D level clinician, $100 per session
Virtual Psychiatry: For more severe conditions requiring medication, $205 intake appointment, $100 per session
Prescription Benefits
Access to affordable medications via RX Valet
Tier 1 Medications: $0
Tier 2 Medications: $14.95 and under
Access to weight loss medications at exclusive discounted rates
Home delivery or local pharmacy pickup nationwide
Health Savings Account
Create a Health Savings Account for tax free medical savings
Tax-free contributions
Tax-free withdrawals for eligible medical expenses
Tax free investment growth
Pet Telehealth
$0 unlimited 24/7 virtual access to licensed vets and prescription savings for all household pets
Avoid the trauma of the vet trip
Medical Debt Relief
Assistance with reducing or eliminating large medical bills
Access to financial assistance programs
Medical bill negotiation support
Must meet eligibility requirements
Exclusive Member Discounts
Special savings on wellness products and services
30% off vitamins and supplements
$25 off DNA testing
Wellness product discounts
Up to 75% off pet prescriptions
Concierge Assistant
Personal guidance through your healthcare journey
Membership support and guidance
Help saving on labs, imaging and medications
Locate quality care at fair prices
Appointment scheduling assistance
Additional Details
Frequently Asked Questions
Does this plan cover major medical costs?
No. The MEC+ Essentials plan is designed for outpatient, day-to-day health needs like seeing a doctor for the flu, getting a prescription, or mental health counseling. It does not include financial sharing for major medical events, surgeries, or emergency room visits.
Can I see any doctor?
No, you must see a doctor in the PHCS network for preventive service care. Please see the link above to verify your doctor's network status.
How does the hospital debt relief work?
If you incur a large hospital bill, you are not alone. While this plan does not pay the bill, the MPB Health team acts as your advocate. They assist you in navigating the hospital's financial assistance process and work to identify programs that may help reduce your balance.