Essential Medical Care MEC
Minimum Essential Coverage
With Essential Medical Care, providing quality healthcare coverage for your team shouldn’t break the bank. That’s why we’ve developed benefit solutions that focus on the services employees need most, without the inflated costs that often come with traditional Major Medical plans.
Our plans prioritize Everyday Benefits—such as Preventive Care, Primary Care doctor visits, Prescriptions, Urgent Care, Specialists, Labs, and X-rays—delivering real value to employees while helping employers manage costs effectively.
These are the benefits people use regularly, and we make sure they’re covered.
But affordability isn’t our only priority. Every plan we offer is built with Affordable Care Act (ACA) compliance in mind, helping employers meet legal requirements while protecting their business from potential penalties.
Whether you're a small business looking to offer first-time coverage or a large organization seeking to reduce healthcare spend without sacrificing employee satisfaction, Essential Medical Care provides a smart, responsible solution.
Why Choose Essential Medical Care?
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ACA-Compliant Plan Options
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Three Minimum Value Options
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Cost-Controlled Benefit Designs
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Coverage Employees Actually Use
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Easy Implementation and Ongoing Support
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Strategic Partner to Brokers and Employers
Give your employees the benefits they deserve—and your business the protection it needs.
Choose Essential Medical Care for reliable, affordable, and compliant healthcare coverage.
Compliance & Administrative Services
The Affordable Care Act requires that applicable large employers (ALEs) provide minimum essential coverage (MEC) to full-time eligible employees, otherwise face a hefty penalty for non-compliance. Ensure that you comply with the Affordable Care Act by providing your full-time eligible employees with our Essential Medical Care (MEC) penalty “A” compliant solutions or our Minimum Value Plan (MVP) penalty “A” & “B” compliant plans.
These plans come with a variety of administrative services provided by Pacific Group Benefit’s Third Party Administrator, SBMA, which are specifically designed to make managing your plan as easy and stress-free as possible, allowing you to focus on other important aspects of your business
Cobra Administration | Census Enrollment | Benefit ID Cards | Employer/Employee Plan Management | Bilingual Enrollment Material