FAQs

Below are some frequently asked questions to help you out. If you’re unable to find what you’re looking for here, look at the specific plan for more information.

Q: What is a deductible?

A: The amount you pay out-of-pocket for covered healthcare and medical services before your health coverage starts to cover the cost of your care.

Q: What is “Out of Pocket Maximum” Costs?

A: Out-of-pocket costs include co-payments, deductibles, and coinsurance for covered health services that is paid by you.

Q: What is a co-pay or co-payment?

A: A co-pay or co-payment is a fixed payment that you owe for care visits or prescription drugs.

Q: What is co-insurance?

A: A co-insurance amount is a percentage of the cost of medical care that you would pay, with the remainder being paid by your insurance company.

Q: What is an insurance premium?

A: The amount you pay each month for your health coverage plan is called your “premium.”

Q: How can I add my family?

A: At any time during the application process, you can add your dependents to the plan you selected.

Q: When will my health coverage be effective?

A: A MEC, Affordable, MVP, or Major Medical plan enrolled and processed by the 25th of the month are available for use starting on the 1st of the following month. Telemeda plans are available within 10-days after enrollment.

Q: Is there a waiting period to purchase your health coverage?

A: No waiting period is needed if you’re purchasing as an individual. If you’re an employee of a group policy, your employer will let you know when you qualify.

Q: Can I purchase based on affordability?

A: We offer multiple affordable plans to choose from based on your budget and coverage desired.

Q: Can I purchase health coverage if I’m a college student?

A: You can purchase on your own anytime when you’re no longer on your parent’s health plans.

Q: Can I purchase coverage if I’m a Non-Resident?

A: Yes. We offer multiple plans that do not require the member to be a US Resident. The Telemeda, MEC, LBP and MVP plans can all be purchased by Non Residents.

Q: What is the annual cost to join the MedAccess Network?

A: As an individual member, the cost is $35 per year. Employer group membership is $100 per year.

MEC (Minimum Essential Coverage) Insurance

MEC is an insurance plan that meets the Affordable Care Act required health coverages in-network providers with limit and/or reimbursement with fixed benefits and costs.