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 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
  • Fully-Insured Limited 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 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
  • Fully-Insured Limited Medical Benefits for
    • Physician Office Visits
    • Diagnostic Benefits
    • Telemedicine
    • Prescription Drug Coverage
    • Hospitalization
    • Term Life & AD&D Insurance

Minimum Value Plan (MVP) or Bronze Plan

Minimum Value Plan (MVP)

  • 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

Ancillary Products

Dental

Vision

Prescription Drug Coverage

Life Insurance

AD&D Coverage

Short Term Disability

Critical Illness

Accident Coverage

Telemedicine

Employee Assistance Program (EAP)

Limited Medical Benefit Plans

Minimum Essential Coverage Plans (MEC)

Minimum Value Plans (MVP or Bronze)

Ancillary Products

Additional Features

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