Limited Day Plan Health Plan Overview
Level-funded copay plans with NO DEDUCTIBLE
Outpatient MEC
Affordable access to essential care and preventive services
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$0 Virtual Primary Care Visits – Talk to a licensed doctor anytime, anywhere
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PHC Benefits Concierge – Free service to help find providers, schedule appointments, and coordinate care
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Primary Care Doctor Visits – Low, fixed copay per visit
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Specialist Visits – See specialists like OB/GYNs or dermatologists with a set copay
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Preventive Services Covered at 100% – Including screenings, immunizations, and one prenatal preventive visit
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Lab Tests & X-Rays – Available at contracted rates with predictable copays
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Mental Health Support – Includes access to counseling through EAP
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Telehealth & Wellness Tools – Support for everyday health and well-being
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No Deductible – Know what you pay before you get care
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Discounted Prescriptions – Save on common medications
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Employee Assistance Program (EAP) – Confidential support for personal and work-life issues
Outpatient + Inpatient MEC
Outpatient care plus a safety net for hospital stays
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$0 Virtual Primary Care Visits – Unlimited access to doctors from your phone or computer
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PHC Benefits Concierge – Free help finding doctors and coordinating care
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Primary Care & Specialist Visits – Fixed copays for in-person visits
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Preventive Care Covered at 100% – Includes screenings and one prenatal preventive visit
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Lab Work, X-Rays, and Imaging – Covered with set copays
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Inpatient Hospital Benefit – 3 Days per Year – Daily benefit paid directly for hospital stays, including surgery or labor and delivery (no deductible required)
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Mental Health & EAP – Confidential support and counseling available
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No Deductible – Straightforward costs and no surprises
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Discount Prescription Access – Lower cost for common medications
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Wellness Support Tools – Access to resources to stay healthy and manage conditions
MVP (Minimum Value Plan)
The most complete plan available, with extended hospital coverage and richer outpatient benefits.
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$0 Virtual Primary Care Visits – Connect 24/7 with doctors online or by phone
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PHC Benefits Concierge – Helps you make the most of your benefits by coordinating care and provider access
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Primary Care & Specialist Visits – Low copays for in-person appointments
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Lab Tests, X-Rays, Imaging – Covered with fixed, easy-to-understand costs
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Preventive Services Covered at 100% – Includes one preventive prenatal visit
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Inpatient Hospital Benefit – 5 Days per Year – Significant financial support for hospitalization, including delivery, illness, or injury (no deductible)
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Outpatient Surgery Benefit – Helps offset costs for eligible procedures done outside the hospital
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Mental Health & Counseling Support – Includes EAP and access to licensed counselors
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No Deductible – Simple plan structure with no hidden costs
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Discounted Prescription Coverage – Get the medications you need at reduced rates
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Wellness Resources & Health Education Tools – Stay on top of your health with helpful programs
