You can’t AVOID all Medical Costs, you’ll need to PREVENT those that you can with a MEC (Minimum Essential Coverage), a Direct Primary Care Doctor or a Provider accessed through Redirect Health.

A MEC – Minimum Essential Coverage provides coverage for 64 preventive services such as Annual Physicals, Mammograms, Colonoscopies, etc. at no additional cost to you. This solution provides an alternative that satisfies the federal statute without compromising the moral and spiritual beliefs of members.

A MEC Plan is a self-funded PPO managed by a third party administrator.  There’s no charge for in-network preventive services determined by the U.S. Preventive Services Task Force as required to be covered by ACA (Obamacare) plans.  The member pays 130% of Medicare allowable for preventive services provided by out-of-network providers.

Our MEC Plans utilizes the PHCS network, these are large networks. PPO network providers change frequently, so it’s best to call 800-922-4362  to confirm your doctor is in or find providers.  If you call, mention MPowering Benefits Association and that you are a current or prospective member of Health Excellence Plus.

There are specific services for women, children, and all adults. The list of services includes yearly wellness checks, flu shots, vaccines, mammograms, colonoscopies, and many other preventive services (see the complete list at

Redirect Health provides all MEC services and as such complies with the ACA mandate.  However, all services are accessed through Redirect Health and not a Network.

DPC – Direct Primary Care doctors provide a complete annual physical plus other in-office services, but do not comply with the ACA manadate. Members choosing this Plan Option must add a MEC or incur a tax penalty until 1/1/2019 when the law is withdrawn.