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.
MVP Core
Best For: Individuals or families seeking comprehensive coverage with a wide range of services.
MVP Premier
Best For: Individuals or families seeking premium coverage with the most comprehensive benefits and lowest out-of-pocket costs.
Monthly Post-Tax Rates
Rates shown are monthly post-tax premiums by coverage tier. All covered services are subject to exclusions and limitations.
Coverage Tier
MEC Plus
MEC Advantage
MVP Core
MVP Premier
Employee Only
$162.34
$232.81
$424.26
$581.19
Employee + Spouse
$232.04
$343.07
$765.51
$1,117.86
Employee + Child(ren)
$208.36
$305.59
$657.38
$937.81
Family
$278.06
$415.86
$1,033.23
$1,513.41
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
MVP Core
MVP Premier
Overall Deductible (Ind/Family)
$0
$0
$0
$2,500 individual / $5,000 family
Services Covered Before Deductible
No Deductible
No Deductible
No Deductible
Yes — deductible waived for preventive, PCP, specialist, telemedicine, diagnostic, urgent care, ER, ambulance, outpatient surgery (non-hospital), therapies, DME, home health, sleep studies, Rx
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
Minimum Essential Coverage
Yes
Yes
Yes
Yes
Services You May Need
MEC Plus
MEC Advantage
MVP Core
MVP Premier
Primary Care Visit
$25 copay (2 visits/year)
$25 copay (3 visits/year)
$25 copay (8 visits/year)
$25 copay — no visit limit (deductible waived)
Specialist Visit
$50 copay (2 visits/year)
$50 copay (3 visits/year)
$50 copay (8 visits/year)
$50 copay — no visit limit (deductible waived)
Preventive Care
No cost
No cost
No cost
No cost
Telemedicine (MDLive)
No cost to covered person
No cost to covered person
No cost to covered person
No cost to covered person (deductible waived)
Diagnostic Test (X-ray, Labs)
MedMo no cost / Outside MedMo $50 copay (1 test/year)
MedMo no cost / Outside MedMo $50 copay (2 tests/year)
MedMo no cost / Outside MedMo $50 copay (3 non-hospital tests/yr) / Hospital lab $150 copay (1 test/yr); hospital radiology excluded
MedMo no cost / Outside MedMo $50 copay / Hospital lab 30% coinsurance; hospital radiology not covered
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 (2/year); hospital-based not covered
Tier 1 Drugs
$10 copay retail (30-day) / $30 copay mail order (90-day)
$10 copay retail (30-day) / $30 copay mail order (90-day)
$10 copay retail (30-day) / $30 copay mail order (90-day)
$10 copay retail (30-day) / $30 copay mail order (90-day); preventive Rx $0
Tier 2 Drugs
Not covered
Not covered
Not covered
Not covered
Tier 3 Drugs
Not covered
Not covered
Not covered
Not covered
Outpatient Surgery - Non-Hospital
Not covered
$350 copay (1 surgery/year combined with other outpatient services)
$350 copay (1/year combined with other outpatient services)
$350 copay (2 services or surgeries/year)
Outpatient Surgery - Hospital
Not covered
Not covered
$750 copay (hospital-based, 1/year combined)
30% coinsurance (1 service or surgery/year)
Emergency Room Care
Not covered
Not covered
$750 copay (1 visit/year)
$750 copay (1 visit/year)
Emergency Medical Transport
Not covered
Not covered
$500 copay (1 trip/year, ground only)
$500 copay (1 trip/year, ground only)
Urgent Care
$75 copay (2 visits/year)
$75 copay (2 visits/year)
$75 copay (2 visits/year)
$75 copay — no visit limit (deductible waived)
Hospital Stay - Facility Fee
Not covered
Not covered
$750 copay (5 days/year)
30% coinsurance (7 days/year)
Hospital Stay - Physician/Surgeon
Not covered
Not covered
$350 copay/admission
30% coinsurance
Inpatient Surgery
Not covered
Not covered
Included in hospital stay benefit (1 procedure/year, preauth required)
Included in Inpatient Services benefit — 2 surgeries/year, preauthorization required
Mental Health Outpatient
Not covered
$350 copay (1 service/year combined with other outpatient)
$350 copay (1 service/year combined with other outpatient)
Confirm with carrier — may fall under general Outpatient Services ($350/30%, 1/year)
Mental Health Inpatient
Not covered
Not covered
$750 copay (5 days/year)
Confirm with carrier — if combined with Inpatient Services: 30% coinsurance, 7 days/yr
Maternity - Office Visits
Preventive: No cost / Primary: $25 / Specialist: $50 (2 visits/yr cap each)
Preventive: No cost / Primary: $25 / Specialist: $50 (3 visits/yr cap each)
Preventive: No cost / Primary: $25 / Specialist: $50 (8 visits/yr cap each)
Preventive: No cost / Primary: $25 / Specialist: $50 (no visit cap)
Maternity - Delivery Professional
Not covered
Not covered
$350 copay/admission
30% coinsurance (under Inpatient Professional)
Maternity - Delivery Facility
Not covered
Not covered
$750 copay (5 days/year, preauthorization required)
30% coinsurance (under Inpatient Services, 7 days/year)
Home Health Care
Not covered
Not covered
$50 copay (10 visits/year)
$50 copay (15 visits/year)
Rehab Services
Not covered
Not covered
$75 copay — 8 visits combined PT/OT/ST; ABA 8/yr; Chiropractic 8/yr (each separate)
$75 copay — 10 visits combined PT/OT/ST; ABA 10/yr; Chiropractic 10/yr (each separate)
Durable Medical Equipment
Not covered
Not covered
Not covered
CPAP $400 copay / Glucose monitor $35 copay via ConnectDME
Sleep Studies (Home)
Not covered
Not covered
Not covered
$300 copay/study, preauthorization required
Reference-Based Pricing Disclosure
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Plan does not use a PPO for facility services. Facility and non-network services are paid at reference-based pricing (RBP). Preauthorization failures reduce plan payment by 50% and do not count toward the OOP max.
Get the Benefit Plan That Moves With You
MedSurf Benefits offers portable health plans—nationwide PPO, flexible tiers from MEC to MVP Premier, and optional add-ons like dental, vision, and more. Talk to a benefits advisor to find the right plan for your lifestyle.
Explore Our Health Benefit Plans
Click below to dive into the detailed terms of our health benefit plans.