MEC
$55/mo
This plan is for you if…
You want the lowest-cost option that meets ACA requirements and covers preventive care, but you don’t need regular doctor visits or prescriptions.
Great for: Healthy individuals who rarely visit the doctor and just want basic coverage to stay compliant.
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100% Preventve Care Coverage
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100% ACA Preventive RX Coverage
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$0 Cost TeleMed
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Vision Discount
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EMI Health Online Tools/App
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Bilingual Support
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Generic Drugs Discount
MEC Plus
$79/mo
This plan is for you if…
You want more than just preventive care—like a few doctor visits each year and discounts on prescriptions—but still need to keep costs low.
Great for: People who need occasional care or generic medications and want peace of mind without paying for a major medical plan.
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100% Preventve Care Coverage
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100% ACA Preventive RX Coverage
-
$0 Cost TeleMed
-
Vision Discount
-
EMI Health Online Tools/App
-
Bilingual Support
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Generic Drugs-50% Member Cost
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Primary Care Visits-$10 (max 3 visits/year)
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Preferred Brand Drugs Discount
MEC Enhanced
$129/mo
This plan is for you if…
You want the most coverage, including low-cost visits to doctors and specialists, discounted urgent care, and better prescription benefits.
Great for: Individuals and families who want broader access to care without paying for full major medical insurance.
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100% Preventve Care Coverage
-
100% ACA Preventive RX Coverage
-
$0 Cost TeleMed
-
Vision Discount
-
EMI Health Online Tools/App
-
Bilingual Support
-
Generic Drugs-10% member cost
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Preferred Brand Drugs-50% member cost
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Primary Care Visits-$20 (max 3 visits/year)
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Specialist Visits-$50 (max 3 visits/year)
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Convenience Clinic-$20/Urgent Care-$50 (max 3/year)
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Diagnostic Testing-$50 (minor tests, max 3/year)
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Major Diagnostic-$250 (1/year)
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Surgery-100% Covered (limits apply)
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Medical Supplies-100% or 30% cost (varies by item)
MEC - Basic Coverage
ACA Preventive Drugs100% Covered (must be on approved list)Generic DrugsDiscount Only (you pay the reduced retail price)Brand Drugs (Preferred/Non-Preferred)No CoverageMail Order (90-day supply)Discount OnlySpecialty DrugsNot Covered
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Express Scripts* Pharmacy Network
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No coverage at out-of-network pharmacies
MEC - Plus Plan
Added Value
ACA Preventive Drugs100% Covered (must be on approved list)Generic Drugs50% Member CostBrand Drugs (Preferred/Non-Preferred)Discount Only**Mail Order (90-day supply)50% Member Cost (generic only)Must use Mail Order or Walgreens for maintenance meds.Specialty DrugsNot Covered
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Express Scripts* Pharmacy Network
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No coverage at out-of-network pharmacies
MEC Enhanced Plan
Most Coverage
ACA Preventive Drugs100% Covered (must be on approved list)Generic Drugs10% Member CostPreferred Brand Drugs50% Member CostNon-Preferred Brand DrugsNo CoverageMail Order (90-day supply)10% Member Cost (generic only)50% Member Cost (preferred)Must use Mail Order or Walgreens for maintenance meds.Specialty DrugsNot Covered
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Express Scripts* Pharmacy Network
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No coverage at out-of-network pharmacies
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Arizona
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Texas
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Georgia
Arizona: First Health Limited Benefit Network
If you're enrolled in an EMI Health plan in Arizona, you'll use the same network both in-state and when traveling out of state—making it easy to get care wherever you go. The only exception is Utah, where EMI Health uses its own Care Plus Network.
1. What It Is
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A national PPO network operated by First Health (an Aetna/CVS Health company), featuring access to over 6,400 hospitals, 151,000 ancillary facilities, and 1.2 million healthcare professionals.
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It’s classified as a Limited Benefit Plan network, built to deliver affordable care at discounted rates for preventive and in‑network services.
2. Why It Matters for MEC
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Guaranteed access to preventive care at 100% coverage, when you use in‑network providers.
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Deep discounts (typically 32–52% off) on non-preventive services like urgent care, lab tests, x-rays, and more.
3. How It Works
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In-Network: When you receive care from a network provider, you automatically get discounted rates—your provider will file the claim.
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Out-of-Network: Services aren’t discounted, and you’re responsible for the full cost; plus, you’ll need to file your own claim.
4. Special Notes for Arizona MEC Members
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Preventive services are only 100% covered in-network.
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Some elective diagnostic tests (like MRIs/labs) must be performed at free-standing facilities, not hospital-based, to stay in-network—avoid surprise costs.
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Always confirm provider participation before receiving services to avoid unexpected costs
Need help finding a provider or facility in Arizona?
Texas: First Health Limited Benefit Network
Your MEC plan uses the First Health Limited Benefit Network—here’s how it works.
1. What It Is
The First Health Limited Benefit Network is a national PPO network operated by First Health, part of Aetna/CVS Health. It gives you access to:
-
A national PPO network operated by First Health (an Aetna/CVS Health company), featuring access to over 6,400 hospitals, 151,000 ancillary facilities, and 1.2 million healthcare professionals.
-
It’s classified as a Limited Benefit Plan network, built to deliver affordable care at discounted rates for preventive and in‑network services.
2. Why It Matters for MEC
-
You get 100% coverage on preventive care—as long as you use an in-network provider
-
You benefit from deep discounts (typically 32–52% off) on non-preventive services like:
-
Urgent care
-
X-rays and labs
-
Outpatient procedures
-
3. How It Works
-
You automatically get negotiated lower rates
-
Providers handle billing directly—you don’t need to file anything
-
Services are not covered
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You’ll pay the full cost out-of-pocket and be responsible for submitting claims
4. Special Notes for Texas MEC Members
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Preventive services (like annual checkups, mammograms, and immunizations) are only covered at 100% when performed in-network.
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For diagnostic testing (labs, MRIs, CT scans), you’ll typically pay less when you use a free-standing imaging center, not a hospital-based one.
-
Always confirm provider participation before receiving services to avoid unexpected costs
Need help finding a provider or facility in Texas?
Georgia: First Health Limited Benefit Network
Your MEC plan uses the First Health Limited Benefit Network—here’s how it works.
1. What It Is
The First Health Limited Benefit Network is a national PPO network operated by First Health, part of Aetna/CVS Health. It gives you access to:
-
A national PPO network operated by First Health (an Aetna/CVS Health company), featuring access to over 6,400 hospitals, 151,000 ancillary facilities, and 1.2 million healthcare professionals.
-
It’s classified as a Limited Benefit Plan network, built to deliver affordable care at discounted rates for preventive and in‑network services.
2. Why It Matters for MEC
-
You get 100% coverage on preventive care—as long as you use an in-network provider
-
You benefit from deep discounts (typically 32–52% off) on non-preventive services like:
-
Urgent care
-
X-rays and labs
-
Outpatient procedures
-
3. How It Works
-
You automatically get negotiated lower rates
-
Providers handle billing directly—you don’t need to file anything
-
Services are not covered
-
You’ll pay the full cost out-of-pocket and be responsible for submitting claims
4. Special Notes for Georgia MEC Members
-
Preventive services (like annual checkups, mammograms, and immunizations) are only covered at 100% when performed in-network.
-
For diagnostic testing (labs, MRIs, CT scans), you’ll typically pay less when you use a free-standing imaging center, not a hospital-based one.
-
Always confirm provider participation before receiving services to avoid unexpected costs
Need help finding a provider or facility in Georgia?
Retail Pharmacies
Over 68,000 in-network locations for short-term needs
Including:
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Home Delivery
Great for ongoing medications; usually saves time and money
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