MedSurf Health Benefit Plans
Health Benefit Plan
Our Health Benefit Plan offers coverage for medical expenses, including prescription medications, preventive care, and more. Plans are affordable, flexible, and portable with no employer required. You’ll have access to nationwide coverage that travels with you, so you’re protected wherever your work takes you.
Why Choose a Health Benefit Plan?
Affordable Prescription Drug Coverage
Low copays for acute, chronic, and preventive medications.
Comprehensive Preventive Care
Coverage for preventive medications and services to help you stay healthy and avoid costly medical issues.
Reference-Based Pricing (RBP)
Transparent and cost-effective reimbursement method based on Medicare rates, ensuring fair pricing for medical services.
Flexible Plan Options
Tailored plans to meet your healthcare needs, whether for acute care, chronic conditions, or preventive services.
Easy Access to Care
Affordable copays for medications and services, making it easier to access the care you need without financial stress.
Choose your options
MEC Plus
Best For: Individuals or families looking for basic coverage with essential benefits at an affordable price.
MEC Advantage
Best For: Those who want enhanced coverage beyond basic benefits with moderate costs.
Core
Best For: Individuals or families seeking comprehensive coverage with a wide range of services.
Prime
Best For: Individuals or families seeking premium coverage with the most comprehensive benefits and lowest out-of-pocket costs.
What benefits does the Health Plan provide?
All covered services are subject to exclusions and limitations - please refer to your plan documents for full breakdown.
Important Questions
MEC Plus
MEC Advantage
Core
Prime
Overall Deductible (Ind/Family)
$0 copay
$0 copay
$0 copay
$2,500 copay/$5,000 copay
Services Covered Before Deductible
No Deductible
No Deductible
No Deductible
Yes (PCP/preventive/DX/urgent)
Out-of-Pocket Max (Individual/Family)
$9,100 (individual) /$18,200 (family)
$9,100 (individual) /$18,200 (family)
$9,100 (individual) /$18,200 (family)
$9,100 (individual) /$18,200 (family)
Referral Required
No
No
No
No
Services You May Need
MEC Plus
MEC Advantage
Core
Prime
Primary Care Visit
$25 copay (2 visits/year)
$25 copay (3 visits/year)
$25 copay (8 visits/year)
$25 copay (12 visits/year)
Specialist Visit
$50 copay (2 visits/year)
$50 copay (3 visits/year)
$50 copay (8 visits/year)
$50 copay (12 visits/year)
Preventive Care
No cost
No cost
No cost
No cost
Diagnostic Test (X-ray, Labs)
MedMo (radiology) no cost / $50 copay (1 test/year)
MedMo (radiology) no cost / $50 copay (2 tests/year)
MedMo (radiology) no cost / $50 copay / $150 copay (lab limits)
MedMo (radiology) no cost / $50 copay / 30% (lab limits)
Imaging (MRI/CT/PET)
Not covered
MedMo no cost / $350 copay (1/year)
MedMo no cost / $350 copay (1/year)
MedMo no cost / $350 copay (3/year)
Tier 1 Drugs
$10 copay
$10 copay
$10 copay
$10 copay
Tier 2 Drugs
Not covered
Not covered
Not covered
$75 copay
Tier 3 Drugs
Not covered
Not covered
Not covered
$150 copay
Outpatient Surgery - Non-Hospital
Not covered
$350 copay
$350 copay (1/year)
$350 copay (2 surgeries/year)
Outpatient Surgery - Hospital
Not covered
Not covered
$750 copay (hospital-based)
30% coinsurance
Emergency Room Care
Not covered
Not covered
$750 copay (1 visit/year)
$750 copay (2/year)
Emergency Medical Transport
Not covered
Not covered
$500 copay (1 trip/year)
$500 copay (2 trips/year)
Urgent Care
$75 copay (2 visits/year)
$75 copay (2 visits/year)
$75 copay (2 visits/year)
$75 copay (3 visits/year)
Hospital Stay - Facility Fee
Not covered
Not covered
$750 copay (5 days/year)
30% coinsurance
Hospital Stay - Physician/Surgeon
Not covered
Not covered
$350 copay
30% coinsurance
Mental Health Outpatient
Not covered
$350 copay (1 visit/year)
$350 copay (1/year)
$350 copay (2/year)
Mental Health Inpatient
Not covered
Not covered
$750 copay (5 days/year)
30% coinsurance (10 days/year)
Maternity - Office Visits
Preventative Care: No cost / Primary Care: $25 copay / Specialist: $50 copay
Preventative Care: No cost / Primary Care: $25 copay / Specialist: $50 copay
Preventative Care: No cost / Primary Care: $25 copay / Specialist: $50 copay
Preventative Care: No cost / Primary Care: $25 copay / Specialist: $50 copay
Maternity - Delivery Professional
Not covered
Not covered
$350 copay
30% coinsurance
Maternity - Delivery Facility
Not covered
Not covered
$750 copay
30% coinsurance
Home Health Care
Not covered
Not covered
$50 copay (10 visits/year)
$50 copay (20 visits/year)
Rehab Services
Not covered
Not covered
$75 copay (8 PT/OT/ST/ABA/chiro)
$75 copay (12 PT/OT/ST/ABA/chiro)
Durable Medical Equipment
Not covered
Not covered
Not covered
CPAP $400 copay / Glucose monitor $35 copay via ConnectDME
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Explore Our Health Benefit Plans
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