Our Products
At CHC we are committed to help employers provide affordable benefit solutions to their hourly
employees. Keep scrolling to view the products we offer.
Limited Benefit Medical Plans
- The CHC Limited Benefit Medical Plan can be offered as a fully insured or self-funded product. The Limited Benefit Medical Plan is a cost effective plan option for employers that want to offer basic coverage for their employees. This plan provides first dollar benefits for out-of-pocket medical expenses.
- Designed to help employees with medical expenses associated with a covered accident or illness, the CHC Limited Benefit Medical Plan is highly customizable and may include a variety of medical, pharmaceutical, and ancillary benefits.
Self-Funded Minimum Essential Coverage Plans
- MEC Basic - Minimum Essential Coverage Basic
- MEC Plus - Minimum Essential Coverage Plus
- MEC Enhanced - Minimum Essential Coverage Enhanced
- The Minimum Essential Coverage Basic (MEC) Plan provides 100% preventive coverage as outlined in the Affordable Care Act (ACA). This self-funded MEC provides a low cost approach to obtaining preventive coverage, satisfying the individual mandate, and eliminating the employer 4980 H (a) “no offer” penalty.
- The MEC Plus Plan consists of a fully insured or self-funded Limited Benefit Medical Plan as well as a self-funded 100% Preventive Care Plan. The MEC Plus Plan adds value to the MEC by offering first dollar coverage for employee`s routine expenses.
- The MEC Enhanced Plan is a more comprehensive plan with deductibles, copays, and co-insurance. The MEC Enhanced Plan offers more coverage, but doesn`t include hospitalization, thereby lowering your employee`s monthly cost. The MEC Enhanced Plan can be offered alongside a Hospital Indemnity plan as a buy-up option.
Self-Funded Minimum Value
Plans (MVP)
Bronze Minimum Value Plans (Bronze MVP)
- The Bronze MVP Plan is fully ACA compliant and provides protection against both employer penalties if paid at the affordability level. The MVP Plan must be offered alongside an MEC Plus Plan that meets participation requirements and has a minimum employer
contribution of 50%. Simple underwriting for the MVP Plan includes only one medical question.
Ancillary Products
CHC offers a variety of ancillary benefits to accommodate the needs of our clients. Some benefits may be offered as embedded products within the Limited Benefit Medical or Hospital Indemnity Plans while others are only available on a voluntary basis.
Please review our ancillary products below.
Dental
(Discount or traditional)
Dental
(Discount or traditional)
Discount Dental:
Based on a specific schedule of benefits through participating providers. Available as an embedded product or on a voluntary basis
Traditional Dental:
Voluntary product
Vision
(Discount and Insured)
Vision
(Discount and Insured)
Discount and Insured, both available as embedded or stand-alone products
Life Insurance
(Term, Dependent, Optional)
Life Insurance
(Term, Dependent, Optional)
- Basic Life embedded in medical plan
- Optional Life available as a voluntary product
- Dependent Life embedded in medical and voluntary
AD & D Coverage
AD & D Coverage
Employee benefit embedded in medical plan
Provides employee and dependent coverage
Short-Term Disability
Short-Term Disability
Available as an embedded product or on a voluntary basis
Various benefit options available
Accident Medical
Accident Medical
Embedded in medical plan
Critical Illness
Critical Illness
Pays a lump sum cash benefit to help with the financial challenge of a critical condition. Paid on first diagnosis of a qualifying critical illness. Embedded in medical plan or on a voluntary basis.
Prescription Drug
Plans & Discount Cards
Prescription Drug
Plans & Discount Cards
- Copay programs offer a variety of copays and monthly maximum amounts
- Fixed Indemnity plans available
- Discount Card offers savings between 15% - 80% in over 55,000 pharmacies nationwide
- Restricted and non-restricted formulary options available
Telemedicine
Telemedicine
Offered through HealthiestYou with 24 / 7 unlimited access to doctors and a health management platform. Available embedded or as a stand-alone product
Health Advocate
Health Advocate
Comprehensive healthcare navigation including coordination of care, medical claims assistance, and fee negotiation among other benefits. Available as an embedded product within the medical plan if life insurance benefits are offered.
Nurse Line Options
Nurse Line Options
Embedded in medical plan
- 24 - hour nurse line
- Dental / vision / nurse line – offers dental and vision discounts from participating providers as well as 24 - hour access to a nurse line
Employee Assistance
Program (EAP)
Employee Assistance
Program (EAP)
- Embedded in medical plan
- 24 - hour telephonic nurse line
- Available in multiple languages with an audio health information library
- 24-hour wellness and counseling line for emotional distress, work/life balance, stress and anxiety, and many other concerns
- Assistance with professional legal services, certified financial planning, and management consulting
Gap Plans
- CHC Gap Plans are designed to supplement your existing comprehensive major medical plan by assisting with the unexpected costs of healthcare. Gap Plans cover a portion of your employees’ out-of-pocket expenses such as co-pays, co-insurance, and deductibles. Traditional Gap Plans and Health Savings Account (HSA) compatible Gap plans are available with low participation requirements at an affordable cost.
Additional Features
CHC prides itself on offering valuable products and services that meet the needs of today’s employers and employees. Products such as Telemedicine, and services such as enrollment options, single source billing and assistance with ACA compliance and reporting help us stay ahead of the game.