Our Products
At First Staff Benefits, we are dedicated to helping employers provide smart, affordable benefit solutions to their employees. Take a look at what plans work best for your company.
Customizable Limited Medical Benefit Plans
The highly customizable Limited Medical Benefit Plans are a fully insured product. This Plan is a cost effective option for employers that want to offer basic coverage for their employees. This plan provides first dollar benefits for out-of-pocket medical expenses.
Customized to help employees with medical expenses associated with a covered accident or illness, and can include a variety of medical, pharmaceutical, and ancillary benefits alongside.
Minimum Essential Coverage
Minimum Essential Coverage – MEC
- Preventive Care covered at 100% through an in-network provider
- No Copays, deductibles, or coinsurance
- No pre-existing condition limitations
- Guaranteed to issue
- 1st dollar benefits
- Eliminates the Employer 4980 H(a) penalty
- Eliminates the Individual Mandate penalty
Minimum Essential Coverage Plus – MEC Plus
- Preventive Care covered at 100% through an in-network provider
- No pre-existing condition limitations
- Guaranteed to issue
- 1st dollar benefits
- Eliminates the Employer 4980 H(a) penalty
- Eliminates the Individual Mandate penalty
- Medical Benefits for:
- Physician Office Visits
- Diagnostic Benefits
- Telemedicine
- Prescription Drug Coverage
Minimum Essential Coverage Advantage Plan – MEC Advantage
- Preventive Care covered at 100% through an in-network provider
- No pre-existing condition limitations
- Guaranteed to issue
- Eliminates the Employer 4980 H(a) penalty
- Eliminates the Individual Mandate penalty
- Medical Benefits for
- Physician Office Visits
- Diagnostic Benefits
- Telemedicine
- Prescription Drug Coverage
- Hospitalization
- Term Life & AD&D Insurance
Individual Coverage HRA (ICHRA)
Individual Coverage HRA (ICHRA)
- Preventive Care covered at 100% through an in-network provider
- Catastrophic Major Medical Coverage
- Guaranteed to Issue
- No participation requirements
- Eliminates the Individual Mandate Penalty
- Eliminates the employer penalties if paid at the affordability level
