ACA-Compatible
Health Care Programs
Millennial Insurance Group has partnered with National Associations and TPAs to provide individuals and groups access to their unique health insurance coverage options. Through Millennial Insurance Group, you can gain access and coverage to these industry-disrupting healthcare benefits.
Members now have the option to take advantage of unique healthcare benefits, including up to 35% or more off regular market prices. The plans are guaranteed issue health programs and provide health coverage options for individual and/or small businesses.
Who Is the MVP Health Program Best Suited For?
The short answer is that most people will benefit from at least getting a quote to see how much savings are available to you from your current health care plan.
Members often save as much as 50% versus their current healthcare plans, so it never hurts to get a free quote!
Coverage for pre-existing conditions
As a result of the ACA legislation, pre-existing conditions must now be covered, and enrollment cannot be denied due to existing or past health conditions. The MVP Health Programs are compliant and cover all pre-existing conditions, including COPD, sleep apnea, diabetes, or anything else.
- No medical application is required.
- There is no need to worry about filling out a complicated medical application!
- Zero deductible and low out-of-pocket max
Enjoy the benefits of having a $0 deductible for individuals and families. Furthermore, choose from low out-of-pocket max options with the ability to select as low as $5,000 out-of-pocket max! All copays within your plan also contribute towards your out-of-pocket max.
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Telemedicine options included
Telemedicine is the ability to have a doctor visit via video. Video meetings are as easy as making a phone call to your doctor, but they save you from traveling to the office and sitting in the waiting room. Most check-up meetings and consultation meetings with your doctor can be done through a convenient video meeting.
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Home health care options
Home health care provides the convenience of getting your health care right from home. The great thing is that it’s usually less expensive, and you get the same care you would get by going to a doctor or hospital.
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Coverage for prescription drugs
All plans offer coverage for prescription drugs. Copays are as little as just $10 for generic prescription drug brands. Preferred brand drugs are also available, with copays starting at 20%.
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Convenient options for group plans
The program allows convenient options to customize the group plan to meet the group’s needs.
Who Is the MVP Health Program Best Suited For?
ACA stands for the Affordable Care Act, or “Obamacare.” Healthcare programs that are ACA-compliant mean the program offers key provisions intended to extend health coverage to those who may previously have been uninsured and assist in lowering healthcare costs for millions of Americans.
Plans that are ACA compliant are eligible to include related benefits and savings such as:
- Premium subsidies
- Cost sharing subsidies
- Provide coverage for those with pre-existing conditions
Understanding what constitutes minimum essential coverage (MEC) can be challenging due to the often vague definitions. Generally, any employer-sponsored health plan qualifies as MEC. A MEC plan must also comply with the ACA’s Patient’s Bill of Rights. This includes covering pre-existing conditions, restricting when an insurance company can rescind or cancel coverage, and offering coverage without lifetime or annual limits.
MEC plans are only required to cover preventive care and adhere to the ACA’s Patient’s Bill of Rights. MVP plans provide additional coverage, including services beyond the basic preventive care offered by MEC. Meeting both MEC and MVP thresholds is crucial for employers to avoid significant tax penalties. While fulfilling MEC requirements helps avoid the Employer Shared Responsibility Part A penalty, offering an MVP option is also necessary to avoid Part B of the penalty.