Individual Wellness Plans


INDIVIDUAL WELLNESS PLANS

FREE WELLNESS AND PREVENTIVE INCENTIVES!

Under Section 2713 of the ACA, private health plans must provide coverage for a range of preventive services and may not impose cost-sharing (such as copayments, deductibles, or co-insurance) on patients receiving these services.3 These requirements apply to all private plans – including individual, small group, large group, and self-insured plans in which employers contract administrative services to a third party payer – with the exception of those plans that maintain “grandfathered” status. In order to have been classified as “grandfathered,” plans must have been in existence prior to March 23, 2010, and cannot make significant changes to their coverage (for example, increasing patient cost-sharing, cutting benefits, or reducing employer contributions). In 2014, 26% of workers covered in employer sponsored plans were still in grandfathered plans,4 and it is expected that over time almost all plans will lose their grandfathered status.

OPEN ENROLLMENT

NOV 1ST TO DEC 15TH

You will need a qualifying life event in order to trigger a Special Enrollment Period. Please keep in mind you have 30 days to apply for coverage from the date the life event occurred.

  • Losing existing health coverage, including job-based, individual, and student plans
  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Turning 26 and losing coverage through a parent’s plan
  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family
  • Changes in residence
  • Moving to a different ZIP code or county
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they both live and work
  • Moving to or from a shelter or other transitional housing
  • Changes in your income that affect the coverage you qualify for
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming a U.S. citizen
  • Leaving incarceration (jail or prison)
  • AmeriCorps members starting or ending their service

QUALIFIED HEALTH PLANS MUST INCLUDE SCREENINGS

Below is a short list of screenings for Adult Men, Adult Women and Children and Youth.

ADULT MEN:

This screening checks if you are at risk of an aneurysm (swelling) in your aorta (your body's main artery to the heart). It's important to catch this because the artery may burst. It's available to men aged 65–75 who have ever smoked
Alcohol misuse refers to drinking habits that are unhealthy but do not meet the medical requirements for alcohol dependency. Screening and counseling may help identify, manage, and treat alcohol misuse. Alcohol misuse is the third leading cause of preventable death in the United States.
One in 3 American adults have high blood pressure. High blood pressure increases your risk for serious health problems, including stroke and heart attack. Get your blood pressure checked regularly starting at age 18. This screening is available to both children and adults.
It's important to get your cholesterol checked at least every 4–6 years. Too much cholesterol in your blood can cause a heart attack or a stroke.
If you are age 50–75, get tested regularly for colorectal cancer. A screening can help prevent colorectal cancer or find it early, when it’s easier to treat. You may need to get tested before age 50 or after age 75 if colorectal cancer runs in your family.
Diabetes is a leading cause of disability and death in the United States. Diabetes increases the risk of serious health problems like heart disease, stroke, and kidney disease. This screening is available to adults aged 40-70 who are overweight or obese. It's also available to women with a history of gestational diabetes who aren't currently pregnant.

ADULT WOMEN:

This screening is available to women on a routine basis for pregnant women.
Some women with a higher risk of getting breast cancer can take medication that may help lower their risk. This is called chemo-prevention.
(BRCA) Genetic counseling and genetic testing can help you understand your risk for certain types of cancer that can run in families.
Genetic counseling and genetic testing can help you understand your risk for certain types of cancer that can run in families.
FDA-approved contraceptive methods, sterilization procedures, and patient education and counseling are all available to women with reproductive capacity (not including abortifacient drugs). Health plans sponsored by certain exempt “religious employers" may not cover these services.
Diabetes is a leading cause of disability and death in the United States. Diabetes increases the risk of serious health problems like heart disease, stroke, and kidney disease. This screening is available to adults aged 40-70 who are overweight or obese. It's also available to women with a history of gestational diabetes who aren't currently pregnant.

CHILDREN:

This screening is available to children between 18 and 24 months.

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These "well-child" assessments are available to all children and should be done once per year.
This includes tests that check for certain diseases and conditions in newborn babies. This screening is available to newborns
This includes tests that check for certain diseases and conditions in newborn babies. This screening is available to newborns.
One in 3 American adults have high blood pressure. High blood pressure increases your risk for serious health problems, including stroke and heart attack. Get your blood pressure checked regularly starting at age 18. This screening is available to both children and adults.
Depression is an illness that involves the brain. It can affect your thoughts, mood, and daily activities. Depression is more than feeling sad for a few days. If you think you might be depressed, talk with a doctor about how you are feeling. This service is available to both children and adults.

BE INFORMED, BE IN THE KNOW!

CONTACT US

Toll Free: 1 844 533-7432
Local Office: 1 (810) 471-4796

eric@mmhia.com

Headquarters
801 S Saginaw St
Flint, MI. 48502