Your MEC Plan Might Be Robbing You Blind

Does the plan use fixed-dollar indemnity benefits that allow for long-term rate stability? (Hint: Copay-based plans often don’t.)

Is there a safety net in place to pay claims if the employer’s funding falls short?

Will the plan pay claims on demand and reconcile later — or leave employees waiting?

Is billing, eligibility, and support handled through one point of contact — or are multiple vendors involved?

This is the big one. Does the plan return 100% of unused claims funds to the employer?
Most MEC plans don’t — and that’s a risk if a competitor points it out later.