Meritain Health offers clients world-class solutions to optimize their networks, such as tailored point solutions to increase access and address cost drivers, as well as an innovative digital member engagement platform.
Meritain contends that an examination of the MOU demonstrates that none of IHC’s bills related to covered services and thus preempts IHC’s breach of contract claim under ERISA.
Meritain Health is a subsidiary of Aetna
Meritain Health provides small businesses with health insurance plans designed specifically for them, with plans that offer comprehensive medical coverage, wellness promotion and preventive care, and easy administration. These benefits may help reduce absenteeism in the workplace while increasing productivity – as well as saving your business money by decreasing healthcare costs.
Meritain provides self-funded and traditional provider network plans, consumer-directed health plans and value-based benefit designs. Meritain also offers dental and vision coverage as well as Medicare Part D plans. Their investors include Graylight Partners and Nautic Partners; Meritain was founded in 1983 and is based out of Amherst, NY.
Meritain Copay (PPO) Plan and Meritain Consumer Driven Health Plan with HSA are both provided through Aetna’s national network of doctors and hospitals, giving members access to discounted services from within their network at discounted rates. Pharmacy coverage provided by CVS Caremark ensures all prescriptions filled from in-network providers will be covered 100% post-deductible fulfillment.
Meritain provides its members with a ZERO Card, designed to save them money by offering free in-network preventive services like screenings and immunizations, second opinion services, concierge travel programs for patients who can avoid unnecessary procedures, as well as second opinion services and concierge travel programs for their convenience. In addition, the Meritain Advisory Services group offers its customers access to various health management tools and support.
Meritain Health offers self-funded plans
Meritain Health is a third-party administrator providing self-funded plans to employers and individuals. Their plan options range from traditional provider network plans, consumer-directed health plans and value-based benefit designs; plus dental and Medicare Part D coverage as well. Meritain Health’s plans offer many advantages that include seamless administration and cost effectiveness.
Meritain offers two medical plans that use Aetna’s national network of providers. Each plan comes with an annual deductible and out-of-pocket maximums, but remember that out-of-network services will cost more. Furthermore, using one of Meritain’s network pharmacies could save money when purchasing prescription drugs.
Once your deductible has been met, Meritain will issue an Explanation of Benefits letter directly to your doctor or pharmacy and your physician will then bill Meritain directly for their services; Meritain will cover 90% of any in-network charges while you pay 10% out-of-network costs yourself. Prescription drugs can either be paid with an HSA debit card or paid directly.
Meritain plans differ from traditional insurance in that they do not charge monthly premiums; instead, payment to cover claims and administrative expenses is collected directly from employers. This type of arrangement provides businesses with an effective solution for cutting costs while still offering employee health benefits.
Meritain Health offers traditional plans
Meritain Health offers traditional medical plans, including Preferred Provider Organization (PPO) and Consumer-Directed Health Plan (CDHP), both with Health Savings Accounts. Their national Aetna network makes these medical plans cost-effective solutions to help save you money and locate care that meets your individual needs. Their Plan Comparison chart makes comparing benefits and costs easy.
Meritain’s PPO plans give you the freedom to see any provider, with reduced out-of-pocket expenses when seeing in-network providers who have agreements with Meritain to offer lower rates and streamline insurance processing. They also offer CDHP plans with HSA options which enable users to meet deductibles through reimbursement accounts.
Those seeking more control can opt for an Exclusive Provider Organization (EPO). An EPO provides access to a smaller network than PPO plans and will balance bill out-of-network providers if seen outside their scope. Meritain also offers Medicare Advantage plans with prescription drug coverage.
Meritain offers an array of additional products and services, such as health care consumerism tools like the Healthcare Bluebook and Accolade for its members’ medical expenses, while providing personal support and guidance through Accolade. Together these technologies have resulted in significant cost savings for Meritain clients.
Meritain Health offers mental health and addiction treatment
Meritain Health provides mental and addiction treatments. They offer both self-funded and traditional plans, and the type of plan chosen will determine what services are covered. In general, Meritain plans cover detox, rehab, aftercare support as well as mental health support; additionally they provide 24/7 phone contact as well as help finding an ideal facility.
Meritain insurance requires individuals to seek treatment from healthcare providers and facilities within their network in order to reduce out-of-pocket expenses and save money by avoiding out-of-network providers with higher out-of-pocket expenses, while in-network providers may provide lower rates than out-of-network ones. Meritain may have visit limits for outpatient rehabilitation facilities as well, so it’s essential that individuals carefully consider all details of their coverage prior to choosing one.
Many treatment centers are Meritain-certified and can verify your coverage over the phone, allowing you to ensure your addiction rehab costs are fully covered. Many also accept payment plans that make payments manageable over time; furthermore, some offer scholarships to cover recovery expenses.
If you have any inquiries or issues related to your Meritain coverage, you can reach out directly by dialing the customer service number listed on your insurance card, or you can log into your Meritain account online and access claims, benefits and eligibility reports. Alternatively, an addiction helpline might also provide assistance.
