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m powering benefits
health excellence plus

Preventive Care Services Provided
Through A Preventive Care "MEC"

- with Minimum Essential Coverage(MEC)



Preventive Minimum Essential Coverage (MEC) covers a list of  ACA-required preventive and wellness care services.  Included services are adjusted annually.

There are specific preventive care services for women, children, and all adults. The list of services includes yearly wellness checks, flu shots, vaccines, mammograms, colonoscopies, and many other preventive services (see the complete list at healthcare.gov).

Apex Management Group provides the preventive care MEC's for the Partially Self-Directed Healthcare (the HDHP/Basic MEC Plan); Co-Pay Network Healthcare (Advantage Plan); and Direct Primary Care Healthcare (Basic Plan) options. These three MEC offerings DIFFER between plans.
Note: the MEC for the DPC-Preventive Care MEC will be eliminated for members joining January 1, 2019 or later. Existing members will have the option or retaining or eliminating this MEC. Monthly share contributions as determined in the calculator do not include this MEC. Those contributions will be higher for those who have elected to retain their MEC.

Apex Management Group plans use the PHCS network, and there's no charge if the member receives ACA-required preventive care services from an in-network PHCS provider. You can check for PHCS providers using these steps:
MEC services received through non-network providers are not covered.

  • Go to www.multiplan.com
  • Go to “Select Network” and pick PHCS
  • Check “I Don’t See Any Of These Statements”
  • Answer “Front”(when asked “Where is the Logo?”)
  • Enter the name of the specialty of the provider (e.g. primary care, gastroenterologist, etc. or the service)

Apex recommends that you check with BOTH your provider AND with PHCS at 800-922-4362, as in-network providers change frequently.

Redirect Health provides the preventive care services for the Provider-Directed Healthcare option. Redirect Health requires you to call their 800 number to obtain authorization to receive any services from the EverydayCARE program, which is used to obtain all covered services except those that are shareable under the Medical Cost Sharing portion of the program.

Preventive services are one of the Affordable Care Act's Essential Health Benefits and the MPowering Benefits Association plans meet the requirement for having minimum essential coverage ("MEC") and therefore avoid incurring any tax penalties for not having an Affordable Care Act plan in 2018.  (This penalty is eliminated effective 1/1/19)

Review the 5 types of plans
health excellence plus

Self-Directed Healthcare
Self-Directed Healthcare
Totally Self-Directed Program Combining Wellness Services AND Medical Cost Sharing For Large Expenses And Mammograms, Colonoscopies and Childhood Immunizations
Partially Self-Directed Healthcare
Partially Self-Directed Healthcare
Partially Self-Directed Program Combining Wellness Services, Preventive Care, An Optional Health Savings Account, AND Medical Cost Sharing For Large Expenses
Co-Pay Network Healthcare
Co-Pay Network Healthcare
Provider-Directed Program Combining Wellness Services, Preventive Care, Co-Pays For Most Small Expenses, AND Medical Cost Sharing For Large Expenses
DPC - Direct Primary Healthcare
DPC - Direct Primary Healthcare
Provider-Directed Program Supplementing Direct Primary Care With Wellness Services AND Medical Cost Sharing For Large Expenses And Mammograms, Colonoscopies, and Childhood Immunizations
Provider-Directed Healthcare
Provider-Directed Healthcare
Provider-Directed Program Combining Wellness Services, Redirect Health for Preventive Care And Most Small Expenses, AND Medical Cost Sharing For Large Medical Expenses
Designed for individuals who want to live a healthy lifestyle
and share the costs with other like-minded community members.

Through an innovative layering of healthcare services, the MPowering Benefits Association provides individuals and families access to high quality healthcare that is affordable, flexible and effective.

Members join the Association to promote personal health and well-being and, as a result, have access to a complete set of wellness tools provided through My Academy of Health Excellence.  Members of the Association have the choice (see above) of electing to join one of five different programs.

The program provides healthcare through community; you share medical expenses with a community of like-minded, health-focused individuals. By enrolling in this new program you’ll often be able to save 30-90% or more over traditional approaches.

By reviewing this website you’ll be able to choose between two self-managed programs and three physician-managed programs. Whether you want to take back control of your own healthcare and related costs, want someone to manage healthcare costs for you, or you’re somewhere in between, there’s an option to fit your specific needs.

You can learn more by reviewing this site and then calling us at 877-734-3884 to answer any remaining questions you might have. Enrollment is available on a year-round basis. Individuals who enroll by the 20th of a specific month will have an effective date as of the first of the following month.

NOTE: Medical Cost Sharing members share medical expenses with a community of like-minded people. Medical Cost Sharing is not insurance and there is no sharing of risk.

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