For Businesses

Minimum Essential Coverage

What Is Minimum Essential Coverage?

Minimum essential coverage is a type of health insurance policy an individual needed to meet the shared responsibility provision under the Patient Protection and Affordable Care Act (ACA). Individuals who lacked minimum essential coverage previously were hit with a financial penalty. The Tax Cuts and Jobs Act passed in 2017 removed that penalty and buying health insurance is no longer mandatory at the federal level.

All TRU-MEC Plans meet ACA requirements for qualifying healthcare coverage, or minimum essential coverage (MEC). Each plan also includes prescription benefits and complimentary telemedicine

Wellness & Preventive

Primary Care Visits

Specialist Visits

Open- Care Navigation*

RX Discount

RX Copay

Health Savings Account

Lab Work

X Rays

Diagnostic Imaging

Urgent Care

Hospital Confinement

Emergency Room

Outpatient Surgery

Critical Illness

AD&D

Term Life

Skinny MEC

Basic MEC

HDHP Basic MEC

Premium MEC

Premium Plus MEC

UPGRADE with a healthshare membership

No Deductible

No Network

Unlimited Sharing

Efficient Processing

Acceptance for All

Worldwide Sharing

Affordable Payments

Medical Advocacy

Get a Quick Quote

Get a quote that includes the features shown to help with both primary care AND a healthshare for major medical expenses.

24/7 Telehealth: Connect with your physicians and access services with one click in the HealthWallet app.

Virtual Primary Care Dedicated Physician: Easy access for annual physicals, prescription management, and more!

Virtual Mental Health: Get professional help with depression, anxiety, other prevalent chronic conditions, and grief counseling.

800+ Commonly Prescribed Medications: Through TRU-Rx, we can get you access to the most used generic medication for free!

Discounted Lab Services at No Additional Cost:Discounts on lab testing with 2,200+ approved testing centers nationwide.

Dental, Vision, and Chiropractic Services: Get deep discounts on oral exams, LASIK, fitness centers, and more!

Discount Marketplace at No Additional Cost: Savings of up to $4,900 per year with great deals across travel, entertainment, car insurance, and more!

Virtual Specialty Care: Talk with highly-trained specialists about cancer, heart disease, and other specialized needs.

In-Person Urgent Care Visits: Unlimited appointments for conditions that require elevated care beyond what is traditionally offered in a primary care physician's office for $25 per visit.

Unlimited Quest Labs: $0 fee on most basic lab services with no annual cap for use.

In-Person Direct Care: Unlimited in-office visits with board-certified physicians for $10 per DPC visit and unlimited virtual physician visits for $0 per visit.

24/7 Telehealth: Connect with your physicians and access services with one click in the HealthWallet app.

Virtual Primary Care Dedicated Physician: Easy access for annual physicals, prescription management, and more!

Virtual Mental Health: Get professional help with depression, anxiety, other prevalent chronic conditions, and grief counseling.

800+ Commonly Prescribed Medications: Through TRU-Rx, we can get you access to the most used generic medication for free!

Discounted Lab Services at No Additional Cost:Discounts on lab testing with 2,200+ approved testing centers nationwide.

Dental, Vision, and Chiropractic Services: Get deep discounts on oral exams, LASIK, fitness centers, and more!

Discount Marketplace at No Additional Cost: Savings of up to $4,900 per year with great deals across travel, entertainment, car insurance, and more!

Virtual Specialty Care: Talk with highly-trained specialists about cancer, heart disease, and other specialized needs.

In-Person Urgent Care Visits: Unlimited appointments for conditions that require elevated care beyond what is traditionally offered in a primary care physician's office for $25 per visit.

Unlimited Quest Labs: $0 fee on most basic lab services with no annual cap for use.

In-Person Direct Care: Unlimited in-office visits with board-certified physicians for $10 per DPC visit and unlimited virtual physician visits for $0 per visit.

TRU-Virtual First

24/7 Telehealth: Connect with your physicians and access services with one click in the HealthWallet app.

Virtual Primary Care Dedicated Physician: Easy access for annual physicals, prescription management, and more!

Virtual Mental Health: Get professional help with depression, anxiety, other prevalent chronic conditions, and grief counseling.

800+ Commonly Prescribed Medications: Through TRU-Rx, we can get you access to the most used generic medication for free!

Discounted Lab Services at No Additional Cost:Discounts on lab testing with 2,200+ approved testing centers nationwide.

Dental, Vision, and Chiropractic Services: Get deep discounts on oral exams, LASIK, fitness centers, and more!

Discount Marketplace at No Additional Cost: Savings of up to $4,900 per year with great deals across travel, entertainment, car insurance, and more!

Virtual Specialty Care: Talk with highly-trained specialists about cancer, heart disease, and other specialized needs.

In-Person Urgent Care Visits: Unlimited appointments for conditions that require elevated care beyond what is traditionally offered in a primary care physician's office for $25 per visit.

Unlimited Quest Labs: $0 fee on most basic lab services with no annual cap for use.

In-Person Direct Care: Unlimited in-office visits with board-certified physicians for $10 per DPC visit and unlimited virtual physician visits for $0 per visit.

24/7 Telehealth: Connect with your physicians and access services with one click in the HealthWallet app.

Virtual Primary Care Dedicated Physician: Easy access for annual physicals, prescription management, and more!

Virtual Mental Health: Get professional help with depression, anxiety, other prevalent chronic conditions, and grief counseling.

800+ Commonly Prescribed Medications: Through TRU-Rx, we can get you access to the most used generic medication for free!

Discounted Lab Services at No Additional Cost:Discounts on lab testing with 2,200+ approved testing centers nationwide.

Dental, Vision, and Chiropractic Services: Get deep discounts on oral exams, LASIK, fitness centers, and more!

Discount Marketplace at No Additional Cost: Savings of up to $4,900 per year with great deals across travel, entertainment, car insurance, and more!

Virtual Specialty Care: Talk with highly-trained specialists about cancer, heart disease, and other specialized needs.

In-Person Urgent Care Visits: Unlimited appointments for conditions that require elevated care beyond what is traditionally offered in a primary care physician's office for $25 per visit.

Unlimited Quest Labs: $0 fee on most basic lab services with no annual cap for use.

In-Person Direct Care: Unlimited in-office visits with board-certified physicians for $10 per DPC visit and unlimited virtual physician visits for $0 per visit.

See our All Solutions page for details on these features

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