Minimum Essential Coverage (MEC) and MEC-Select Plans

Frequently Asked Questions

Updated July 10, 2020

Symetra is closely following the Coronavirus Disease 2019 (COVID-19) pandemic. We want to assure you that our operations are functioning and we are available to assist with the current and future needs of you and your employees.

Below are answers to some of the most common questions being asked about how COVID-19 affects Minimum Essential Coverage (MEC) and MEC-Select plans.

[Updated] What is the grace period if I am unable to pay premium on time for my Select Benefits Fixed-Payment Insurance policy?

[Updated] What measures are in place to continue benefits for employees who lose their group coverage as a result of COVID-19?

Is your claim review process affected with teams working remotely?

With remote work in place for most teams, what measures are in place to protect claimant medical history and other protected information?

If a covered individual was not at work on their coverage effective date, or on the effective date of an increase in coverage because they were quarantined, are they still eligible for the new or increased coverage?

Do Minimum Essential Coverage (MEC) plans have to cover the cost of COVID-19 testing at 100%?

Does the MEC plan document need to be amended to include COVID-19 testing?

Do members covered under a MEC plan have to visit a network provider for COVID-19 testing?

Will the Select Benefits Fixed-Payment Insurance policy cover COVID-19 testing at 100%?

Will the Select Benefits Fixed-Payment Insurance policy cover quarantine in a military base or temporary state housing as an “Inpatient Hospital Stay”?

Select Benefits policies, insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in all U.S. states or in any U.S. territory. They are not a replacement for major medical or other comprehensive coverage and do not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your Symetra representative.