These plans comply with all ACA mandates applicable to self-funded plans as well as certain state requirements. The MHP covers ACA-compliant Essential Health Benefits with the exception of pediatric dental coverage.

Payment of healthcare funding will be required monthly. In an effort to keep our administrative costs as low as possible, an automatic withdrawal from your bank account via an Automatic Clearing House (ACH) transaction is required. To set this up, you must complete the provided automatic withdrawal form and include it when turning in your application.

The MHP is regulated by the Texas Department of Insurance (TDI). These state regulators monitor the MHP to ensure appropriate surplus is available to cover unforeseen risk and protect its solvency. The MHP also maintains stop-loss insurance to provide additional protection to plan participants. You can feel confident about the stability of the MHP as it is closely monitored by the Internal Revenue Service, The Department of Labor, and the TDI.

Unlike ACA rates that are solely determined by age, location, family size, and smoker status, your group rates will be based on additional factors, such as gender and medical history. The expanded criteria of the MHP for pricing your benefits allows us to tailor the costs to the unique characteristics of your group, recognizing the preferred health status that you may have.

Your rates will also include fixed components such as administrative, and stop-loss fees (a form of protection against excessive claims for your group and the overall MHP), and will be billed on a monthly basis.

• The MHP offers rate stability, the flexibility of benefits options, and recognition of preferred health status.
• Employees can choose from many health options, including Health Savings Accounts (HSAs) with varying deductibles and co-insurance.
• There are multiple comprehensive pharmacy coverage options to choose from.
• The MHP may be less expensive for your group than similar ACA plans because it considers criteria unique to your employees such as medical history.

The MHP was designed to manage your healthcare costs, and provide benefit plans that may be a better fit for your firm’s group health benefits than your existing plan. Because the MHP is a self-funded plan, it has many benefits, including:

• The ability to select a range of deductible options to help keep costs low.
• The cost of the benefits better reflect the unique health of you and your employees, recognizing that a healthier team should create a better benefits cost outcome.
• All groups have access to Aetna’s national POS network.
• With this plan, you and your employees receive access to a team of licensed Benefits Counselors to assist in making important health coverage decisions.

To apply, you must be a law firm domiciled in Texas with at least one additional (non-spouse) full-time W-2 employee.

Other non-medical related add-on benefits include:

• Ancillary products such as dental and vision coverage
• Health Savings Accounts
• HR and Benefits Management Platform
• 24-Hour Nurse Line
• Aetna member portal and mobile app experience
• Programs and discounts to help members stay healthy
• Multiple networks available*
• 10 customizable plans with 4 interchangeable Rx options
• No-cost supplemental health benefits
• Health Advocate / EAP benefit included
• 24/7 telehealth with $0 copay

*Multiple networks may not be available in all locations.