WellCo Health delivers compliant Minimum Essential Coverage (MEC) and flexible Limited Medical (LM) plans designed to help employers meet mandates, protect employees, and control healthcare spend — without complexity.
Our Minimum Essential Coverage plans help employers satisfy ACA requirements while providing employees access to essential preventive services — at a fraction of traditional major medical costs.
WellCo Health offers five structured products to meet diverse workforce needs.
Basic ACA-compliant preventive coverage
| Deductible | None |
|---|---|
| Out of Pocket Maximum | None |
| Preventative Wellness (MEC) | Covered 100% |
| Primary Care Office Visits | No Benefit |
| Specialist Office Visits | No Benefit |
| Daily In-Hospital | No Benefit |
| Hospital Inpatient Visits - Physician | No Benefit |
| Inpatient Surgery | No Benefit |
| Maternity | No Benefit |
| Urgent Care | No Benefit |
| Emergency Room | No Benefit |
| Hospital 0utpatient Major Diagnostic Testing (MRI, PET, etc.) | No Benefit |
| Physician Office/Free Standing 0utpatient Major Diagnostic Testing (MRI, PET, etc.) | No Benefit |
| Outpatient Hospital Services | No Benefit |
| Physician/Free Standing Outpatient Surgery | No Benefit |
| Hospital Basic Diagnostic-Lab/X-Ray | No Benefit |
| Physician Office/Free Standing Basic Diagnostic-Lab/X-Ray | No Benefit |
| Ambulance Service Group Services Only | No Benefit |
| Home Health Care | No Benefit |
| Treatment for Mental Health/Chemical Abuse -In-Patient | No Benefit |
| Treatment for Mental Health/Chemical Abuse -Out-Patient | No Benefit |
| Telemedicine through Recuro Care | No Benefit |
| Rx Benefits | ACA Required Preventive Drugs only $0 Co-Pay |
Minimum Essential Coverage satisfies ACA employer mandate requirements by covering preventive services defined under federal guidelines. MEC plans are designed to:
Limited Medical plans provide fixed indemnity benefits for common healthcare events. These plans:
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