How Brella Filled in the Gaps for Employees with MEC Coverage

Rhea Manwani
April 4, 2022

When an employee only has minimum essential coverage, it’s likely they’ll experience financial strain when they experience unexpected medical events. We worked with an employer in Texas to implement a supplemental health plan that could help employees reduce their medical expenses when sudden health hardships pop up. 

The Challenge

A Texas-based auto body repair company offered its employees a MEC plan (minimal essential coverage) in accordance with the ACA because traditional major medical was just not affordable for the group. However, because a MEC plan only provides preventative and wellness services, employees that would need to utilize medical providers for unexpected illnesses and injuries would be facing bills they could simply not afford.

The Solution: Employer-Paid Brella

The employer was attracted to Brella because it offered wide-ranging coverage that could pay benefits for more than 13,000 medical conditions such as kidney stones, pneumonia, and heart attacks. They also saw how the Brella plan could help recruit and retain employees and decided to fund 100% of the cost for the entire group, so there was no enrollment involved.

While Brella is a supplemental health plan, that doesn’t mean it has to be voluntary. In 2021, 50% of employers who offered Brella funded some or all of the premiums. 

Brella’s easy implementation and flexible plan design allowed the employer to offer a valuable health benefit with zero employee contribution to the premium. As a result, the employer could help their team  offset sudden medical expenses without requiring employees to incur any additional cost.

Keys to the Win

“While MEC plans provide baseline preventive and wellness benefits, they don't cover many of the expenses employees incur as a result of unexpected injuries and illnesses. That’s why Brella was the right addition for this group to get coverage and peace of mind.” —Ted Makuch, Regional Sales Director, Brella

Allowing the employer to fund 100% of the premium

With Brella, employers can fund 100% of the premium to offer employees a meaningful benefit without the cost.

Wide-ranging coverage that fills in the gaps

Brella’s long list of covered conditions was especially relevant to this group. Issues like dehydration, pneumonia, kidney stones, and benign tumors are not covered by a MEC plan. This coverage gives workers added peace of mind with cash benefits to help offset the financial impact of these kinds of common, unexpected health issues.

Easy implementation that makes a benefit available quickly

With Brella, the employer was able to implement the plan by simply submitting an employee census, allowing 100% of the group to access their benefits quickly.

If you've got a group in mind that could benefit from our supplemental health solution, we'd love to talk to you. Get in touch and a member of our team will reach out within a business day.