Minimum Essential Coverage Plan Comparison
BAYADA offers four Minimum Essential Coverage (MEC) plans, giving you the flexibility to choose the plan that best fits your needs. Take a moment to review the comparison chart below to see how the plans differ and find the option that’s right for you.
Choose the MEC Plan That Fits Your Needs
You may choose from our four MEC plans, each with different coverage and benefit levels. The chart below provides an overview of what each plan offers to help you compare your options. Be sure to review the full plan details before making your decision, including your Summary of Benefits and Coverage (SBC) and other plan documents available on the Resources page.
Explore Your MEC Plan Options
Through Fringe Benefit Group, BAYADA offers the following MEC plan options. All four MEC plans utilize the Nationwide network:
- MEC
- MEC Enhanced
- MEC Copay
- MEC Copay Plus
IMPORTANT NOTE
The MEC Enhanced plans will not be eligible for NH, NM, and VT, and MEC Copay Plus plans will not be eligible for NM, and VT due to state regulations around fixed indemnity components.
MEC Plan Comparison
| Plan Features | MEC | MEC Enhanced | MEC Copay | MEC Copay Plus |
| MEC Preventive Services (In-Network Only) | Plan Pays 100% | Plan Pays 100% | Plan Pays 100% | Plan Pays 100% |
| Deductible: Individual / Family | N/A | N/A | N/A | N/A |
| Coinsurance | N/A | N/A | N/A | N/A |
| Out-of-Pocket Maximum: Individual / Family | N/A | N/A | N/A | N/A |
| Primary Care Office Visit | N/A | N/A | $15 Copay* | $15 Copay* |
| Teladoc — Primary Care | $165 new patient visit / $99 follow-up visit | $165 new patient visit / $99 follow-up visit | $165 new patient visit / $99 follow-up visit | $165 new patient visit / $99 follow-up visit |
| Teladoc — Psychiatry | $235 new patient / $105 follow-up | $235 new patient / $105 follow-up | $235 new patient / $105 follow-up | $235 new patient / $105 follow-up |
| Teladoc — Therapist | $95 per visit | $95 per visit | $95 per visit | $95 per visit |
| Specialist Office Visit | N/A | Plan pays $75 / Day | $50 Copay* | $50 Copay* |
| Urgent Care Visit | N/A | N/A | $80 Copay* | $80 Copay* |
| Outpatient Diagnostic Lab | N/A | Plan pays $75 / Day | $15 Copay* | $15 Copay* |
| Outpatient Diagnostic X-ray | N/A | Plan pays $75 / Day | $15 Copay* | $15 Copay* |
| Outpatient Diagnostic Advanced Studies | N/A | N/A | N/A | Plan pays $500/Day |
| Accident Medical (per occurrence) | N/A | N/A | Plan pays up to $5,000 | Plan pays up to $5,000 |
| Emergency Room Sickness | N/A | Plan pays $75 / Day | N/A | Plan pays $150/Day |
| Inpatient Surgery | N/A | Plan pays $500 / Day | N/A | Plan pays $1,000/Day |
| Hospital Admission (lump sum benefit) | N/A | N/A | N/A | Plan pays $1,500/Confinement |
| Inpatient Hospital Indemnity | N/A | Plan pays $100 / Day | N/A | Plan pays $200/Day |
| Inpatient Intensive Care Unit | N/A | Plan pays $200 / Day | N/A | Plan pays $400/Day |
| Vision Care | N/A | Plan pays 80% up to $300 | N/A | N/A |
| Prescription Drug | Generic & Brand Discounts | Generic & Brand Discounts | $15 Generic Copay / Brand Discounts | $15 Generic Copay / Brand Discounts |