MEC PLANS

Affordable Health Basics That Work for You

EMI Health’s MEC (Minimum Essential Coverage) plans cover your preventive care—like checkups, vaccines, and screenings—100% when you stay in-network. You also get perks like $0 TeleMed, Rx discounts, and optional vision/dental savings.

COMPARE THE PLANS
MEC PLANS

Affordable Health Basics That Work for You

EMI Health’s MEC (Minimum Essential Coverage) plans cover your preventive care—like checkups, vaccines, and screenings—100% when you stay in-network. You also get perks like $0 TeleMed, Rx discounts, and optional vision/dental savings.

COMPARE THE PLANS

What’s Included – At a Glance

Choosing a health plan can feel confusing—but we’re here to make it simple.

Every EMI Health MEC plan gives you important health benefits to help you stay well and save money. Use this chart to see what you get, who each plan is best for, and how much it costs.

What You Get Who It’s For What It Costs

  • $0 Checkups & Screenings
  • $0 Telemed
  • RX Discounts
  • Optional Vision & Dental Savings
  • Individuals
  • Families
  • Employees without full major medical

 

Starts at $55/month for individuals
$129/month for family (Basic MEC)*

*Prices vary by plan selection.

MEC Enrollment Guide Cover Thumbnail
 MEMBER BENEFIT GUIDE
E-Book featuring all MEC Plan Details

View or Download: English | Spanish

PLANS

Compare the Plans

Pick the plan that fits your life and budget. All three MEC plans are built to give you coverage that fits your budget and your needs. Use the chart below to compare what’s included with each.

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.

  • checkmark@300x 100% Preventve Care Coverage
  • checkmark@300x 100% ACA Preventive RX Coverage
  • checkmark@300x $0 Cost TeleMed
  • checkmark@300x Vision Discount
  • checkmark@300x EMI Health Online Tools/App
  • checkmark@300x Bilingual Support
PLAN SUMMARY
Most popular

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.

  • checkmark@300x 100% Preventve Care Coverage
  • checkmark@300x 100% ACA Preventive RX Coverage
  • checkmark@300x $0 Cost TeleMed
  • checkmark@300x Vision Discount
  • checkmark@300x EMI Health Online Tools/App
  • checkmark@300x Bilingual Support
  • plus_AdobeStock_619545638 Three Primary Care Visits per year
  • plus_AdobeStock_619545638 Generic Drugs-50% Member Cost
PLAN SUMMARY

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. Also included are vision and dental care discount plans.

Great for: Individuals and families who want broader access to care without paying for full major medical insurance.

  • checkmark@300x 100% Preventve Care Coverage
  • checkmark@300x 100% ACA Preventive RX Coverage
  • checkmark@300x $0 Cost TeleMed
  • checkmark@300x Vision Discount
  • checkmark@300x EMI Health Online Tools/App
  • checkmark@300x Bilingual Support
  • plus_AdobeStock_619545638 Generic Drugs-10% member cost
  • plus_AdobeStock_619545638 Preferred Brand Drugs-50% member cost
  • plus_AdobeStock_619545638 Primary Care Visits - three per year
  • plus_AdobeStock_619545638 Specialist Visits- three per year
  • plus_AdobeStock_619545638 Urgent Care-three visits per year
  • plus_AdobeStock_619545638 Diagnostic Testing-three per year
  • plus_AdobeStock_619545638 Major Diagnostic Testing-one visit per year
  • plus_AdobeStock_619545638 Surgery-100% Covered (limits apply)
  • plus_AdobeStock_619545638 Medical Supplies-100% or 30% cost (varies by item)
  • plus_AdobeStock_619545638 Dental Value Discount Plan
PLAN SUMMARY

 

This chart is a summary for comparison purposes only. It does not include all plan details, limits, or exclusions. For full coverage information, refer to the official Plan Documents and Summary Plan Descriptions (SPDs) provided by EMI Health. In the event of any conflict, the Plan Documents will govern.

How the Plan Works

AdobeStock_1216492168
 STEP 1

See an in-network provider.

AdobeStock_236126705
 STEP 2

Get preventive care at no cost.

mom_child_pharmacy_GF
 STEP 3

Use telehealth, get prescriptions, and other perks.

BUILT IN BENEFITS

Welcome to Your EMI Health MEC Benefits

At first glance, MEC stands for Minimum Essential Coverage—but don’t let “minimum” fool you. These plans go well beyond the basics. With EMI Health’s MEC options, you get access to:

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 100% COVERED PREVENTIVE CARE
including checkups, immunizations, and screenings

View or Download Preventive Care List: English | Spanish

PRESCRIPTION
 100% COVERED PREVENTIVE PRESCRIPTIONS
from the ACA-approved drug list

View or Download Preventive Care Drug List: English | Spanish

20220408-Recuro-Logos-Horizontal-FullColor-V2
 TELEHEALTH
24/7 Telehealth Visits at No Cost to You

View or Download Telehealth Flyer: English | Spanish

PLUS–You Get Full EMI Health Support—Just Like Every Member!

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ALL THE PERKS

Even with a MEC plan, you still get access to all the helpful tools and resources that come with being an EMI Health member. That means you can:

  • Use your My EMI Health online member portal to track claims and benefits
  • Search for doctors with the online provider directory
  • Contact our friendly support team when you have questions
  • Get help in English and Spanish

Want to see everything that’s available to you?

Click here to visit the EMI Health Member Homepage

How to Search for an In-Network Provider

You can search for in-network doctors, clinics, and specialists at any time, even if you have not enrolled yet. Use the provider search tool as a guest to explore networks, or sign in as a member to see results based on your plan.

New website-ps laptop filters

To Look up a Provider during Enrollment:

How to find an in-network provider: English | Spanish

Identify the network from your plan summary:

The Provider Network is found under the Network/Reimbursement Schedule for each plan summary located just above the Monthly Rates section.

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Provider Network

Your network name tells you which dental providers are considered in-network.  Choosing in-network providers helps you get the most from your benefits and avoid higher out-of-pocket costs.

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PRESCRIPTION COVERAGE

MEDICINE AND PRESCRIPTION BENEFITS COMPARISON

What’s covered under each MEC plan—and how to save money on your prescriptions.

All three MEC plans include prescription drug coverage, but each one is a little different. The plan you choose will affect how much you pay and what medicines are covered. Here’s what to know:

MEC - Basic Coverage

ACA Preventive Drugs
100% Covered (must be on approved list and prescribed by in-network provider), includes 90-day supply
 
Generic Drugs
Discount Only (you pay the reduced retail price)
 
Brand Drugs (Preferred/Non-Preferred)
No Coverage

 

  • checkmark@300x Express Scripts* Pharmacy Network
  • The image shows a simple icon of a x inside a circle The x is black and the circle has a gradient of white to gray transparent background-1 No coverage at out-of-network pharmacies

MEC - Plus Plan
Added Value

 
ACA Preventive Drugs
100% Covered (must be on approved list and prescribed by in-network provider), includes 90-day supply
 
Generic Drugs
50% Member Cost
 
Brand Drugs (Preferred/Non-Preferred)
Discount Only

 

  • checkmark@300x Express Scripts* Pharmacy Network
  • The image shows a simple icon of a x inside a circle The x is black and the circle has a gradient of white to gray transparent background-1 No coverage at out-of-network pharmacies

MEC Enhanced Plan
Most Coverage

ACA Preventive Drugs
100% Covered (must be on approved list and prescribed by in-network provider), includes 90-day supply
 
Generic Drugs
10% Member Cost
 
Brand Drugs (Preferred/Non-Preferred)
50% Member Cost

 

  • checkmark@300x Express Scripts* Pharmacy Network
  • The image shows a simple icon of a x inside a circle The x is black and the circle has a gradient of white to gray transparent background-1 No coverage at out-of-network pharmacies
 
*Prescription drug benefits are administered through Express Scripts. Please refer to your specific plan documents or contact EMI Health Customer Service at 1-800-662-5851 to confirm your pharmacy benefits. Coverage applies only when prescriptions are filled at an in-network pharmacy.
VIEW OR DOWNLOAD

DRUG LISTS BY PLAN TYPE

mom_child_pharmacy VERTICAL

MEC BASIC PLAN

100% COVERED PREVENTIVE PRESCRIPTIONS
from the ACA-approved drug list

View or Download Preventive Care Drug List: English | Spanish

MEC PLUS AND MEC ENHANCED PLANS

BRAND (preferred/non-preferred) PRESCRIPTIONS
Coverage amounts vary depending on plan.

View or Download 2025 MEC Formulary Drug List: English | Spanish

tip_AdobeStock_532443910

Tips to Save on RX:

Refill maintenance medications through home delivery
Reach out to Express Scripts Member Services at 866-815-0003 for support anytime.
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VISION DISCOUNT - ALL MEC PLANS

Vision Discounts Through VSP Choice

You and your family automatically get access to discounted vision services through the VSP Choice Network—included with all MEC plans.

What You Get with VSP Discount Vision:

Service Your Cost/Savings
WellVision Eye Exam $50 with glasses purchase, 20% off without
Retinal Screening Guaranteed pricing with exam - max $39
Lenses (with glasses purchase)

Single Vision $40, Lined Bifocals $60, Lined Trifocals $75
Polycarbonate Lenses (Children) $0
Lens Enhancements Save 20–25% on scratch-resistant, progressive, or anti-glare coatings
Frames 25% off when buying a complete pair of glasses
Contact Lens Exam (fit & evaluation) 15% off

 

DENTAL DISCOUNT

MEC Enhanced Dental Discount Plan

If you have the MEC Enhanced Plan, you also get access to discounted dental services through EMI Health’s Value Dental Plan. This is not insurance—it’s a discount program that helps you save on most dental procedures when you visit participating in-network providers.

It's easy to use:

  1. Show your EMI Health ID Card at a participating dental provider.
  2. Pay the discounted rate directly to the dentist at the time of service.

There are NO deductibles, NO annual maximums, and NO waiting periods.

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Common Discounted Costs (Examples)
Procedure Typical Member Cost Range
Routine Oral Exam $15–$25
Adult Teeth Cleaning $35–$55
X-Rays (Bitewing, set of 4)

$20–$35
Child Fluoride Treatment $15–$25
Filling (1 surface, composite) $60–$90
Simple Tooth Extraction $60–$100
Contact Lens Exam (fit & evaluation) 15% off
 Note: These prices are examples only. Actual costs may vary by provider and location. Always confirm your cost before treatment.
MEC PLAN MEDICAL NETWORK

First Health Limited Benefit Network

  • Arizona, Georgia & Texas

EMI Health MEC plans 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 MEC Network.

1. What It Is

  • 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

  • Guaranteed access to preventive care at 100% coverage, when you use in‑network providers.
  • Deep discounts (typically 32–52% off) on non-covered services like urgent care, lab tests, x-rays, and more.*

3. How It Works

  • In-Network: When you receive care from a network provider, you automatically get discounted rates—your provider will file the claim.
  • Out-of-Network: Services aren’t discounted or covered, and you’re responsible for the full cost.

4. Special Notes

  • Preventive services are only 100% covered in-network.
  • Some elective diagnostic tests (like MRIs/labs) must be performed at free-standing facilities, not hospital-based, to stay in-network—avoid surprise costs.*

  • Always confirm provider participation before receiving services to avoid unexpected costs

*Always check your plan summary to see what services are covered.  Coverage varies depending on MEC plan. Only the MEC Enhanced plan has coverage for some diagnostic services.

Need help finding a provider or questions about coverage in your area? Call Customer Service, 1-800-662-5851, Monday-Friday, 6:00 am - 6:00 pm, MST.

PROVIDER SEARCH
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If your doctor refers you for lab work or imaging, ask:
“Can I go to a free-standing facility in the First Health network?”

 

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REAL HELP FROM REAL PEOPLE

Customer Service

Whether you’re looking for help with benefits, claims, ID cards, or something else—we’ve got a knowledgeable, friendly team ready to assist.

Call our Member Services team
(800) 662-5851
 Option 9 for Spanish
Monday - Friday 6:00 am - 6:00 pm
 

We’re committed to making your experience as smooth as possible. If something doesn’t make sense, just ask—we’ll walk you through it.