Medical Benefits
What is a MEC Plan?
Benefits to the Employee
- Meets ACA individual mandate
(NJ, CA, RI, DC & more states to follow) - Easy to Use
- Full preventative care coverage
- Copay plan options with unlimited visits
Preventative Care
Options Plus MEC Plans cover the ACA mandated preventative care services for adults, women and children.
Plan Highlights
PRIMARY CARE VISITS
All wellness and preventative treatments covered at 100%.
SPECIALIST VISITS
See a specific kind of doctor such as internal medicine, pediatrician, or a nurse practitioner, etc.
URGENT CARE
Easy access to quality healthcare for the times when your primary care physician’s offices are closed
LABORATORY & X-RAYS
Labs and x-rays are also covered through our plans!
PRESCRIPTION COVERAGE
Generic Rx, Brand Rx, and Discount Rx
VIRTUAL CARE MEMBERSHIP
$0 COPAY !
All-access pass to your doctor through virtual office
visits, phone calls, text messaging and even video calls -
with a $0 copay and no deductible!
BEHAVIORAL HEALTH/ THERAPY
$50 COPAY !
Talk to a therapist by phone whenever you need one.*
*3x per year
A SECOND OPINION FREE
Review your diagnosis with a licensed medical expert by phone and on video chat
UNLIMITED VISITS | LOW COPAYS | BIG NETWORK
Value Added Benefits
Additional Products:
- Hospital Indemnity Coverage
- Critical Illness
- Accident Insurance
- Dental Insurance
- Vision Insurance
- Discount Plans
Additional Services & Features:
- Portal Access (available to large groups)
- Bilingual Enrollment Materials
- IRS Reporting
- Online Enrollment Platform
- Single Enrollment & Single Invoice
Critical Illness Benefits
CSL Staffing through its PEO Innovative Employer Solutions is committed to continually providing our employees with the very best benefit opportunities. To show our commitment, we have partnered with Aflac to deliver BenExtend® to all of our employees and their families.
Hospital Indemnity Benefits
Hospital Admission
Payable when an insured is admitted to a hospital and confined as an inpatient because of a covered accidental injury or covered sickness. This benefit is not payable for confinement to an observation unit, for emergency room treatment, or for outpatient treatment. This benefit is not payable for Hospital Admission of a newborn child following his birth. However, we will pay for a newborn’s admission to a Hospital Intensive Care Unit if, following birth, he is confined as an inpatient as a result of a covered accidental injury or covered sickness.
Hospital Confinement
Payable in the amount shown for each day that an insured is confined to a hospital as an inpatient as a result of a covered accidental injury of covered sickness. This benefit is payable for only one hospital confinement at a time even if caused by more than one covered accidental injury, more than one covered sickness or a covered accidental injury and a covered sickness. This benefit is not payable for confinement to an observation unit or a rehabilitation facility. This benefit is not payable for emergency room treatment or outpatient surgery or outpatient treatment.
Accident Benefits
Initial Treatment
Payable for initial treatment received under the care of a doctor for a covered accidental injury. This benefit is not payable for treatment via telemedicine services.
Ambulance
Payable when a insured received transportation by a professional ambulance service due to a covered accident.
Major Diagnostic Testing
Payable when one of the following exams is performed in a hospital, doctor’s office, medical diagnostic imaging center, or an ambulatory surgical center due to a covered accident injury:
- Computerized Tomography (CT scan)
- Magnetic Resonance Imaging (MRI)
- Computerized Axial Tomography (CAT)
- Electroencephalography (EEG)
Lacerations
Payable when an insured receives a laceration in a covered accident and is repaired with stitches by a doctor.
Fractures
Payable when an insured fractures a bone and is treated by a doctor. For multiple fractures (more than one bone fractured in one accident), we will pay a maximum of 200% of the benefit amount for the bone fractured that has the highest dollar amount. For a chip fracture (a piece of bone that is completely broken off near a joint), we will pay 25% of the amount for the affected bone. This benefit is not payable for stress fractures.
Appliances
Payable when a doctor advises the insured to use a listed medical appliance as an aid in personal locomotion.
Hospital Indemnity Benefits
Critical Illness Benefits
Where applicable, covered conditions must be caused by underlying diseases as defined in the plan.
Initial Diagnosis+
We will pay up to 100% of the face amount upon diagnosis of a covered critical illness.
Additional Initial Diagnosis+
Once benefits have been paid for a covered critical illness, we will pay benefits for each different critical illness when the date of diagnosis is separated by at least 6 consecutive months.
Reoccurrence+
Once benefits have been paid for a covered critical illness, we will pay benefits for that same critical illness when the date of diagnosis is separated by at least 6 consecutive months.
+ If the claim is for a cancer diagnosis, the insured must be treatment-free from cancer for at least 12 months and must be in complete remission before the date of a subsequent cancer diagnosis.
Benefits will be based on the face amount in effect on the critical illness date of diagnosis.
Health Screening Benefit
Payable for health screening tests performed as
the result of preventive care, including tests and
diagnostic procedures ordered in connection
with routine examinations. This benefit is
payable for each insured.
