Stay Healthy with Preventive Care
Prevention is better than treatment! Here’s what preventive services are available through your MPB Health membership and how to use them correctly.
What Is MEC?
Minimum Essential Coverage (MEC) provides access to ACA-compliant preventive services at no cost when using an in-network provider.
Covers preventive care only
Does not cover treatment for illness or injury
Separate from health-sharing eligibility
Which Memberships Include Preventive Care?
Access to MEC preventive care is only available with the following MPB Health memberships:
Secure HSA
Premium HSA
Direct
MEC+Essentials
Members enrolled in other MPB Health memberships do not include MEC preventive care as part of their program.
What Preventive Services Are Included?
Covered preventive services include 1 visit per calendar year with $0 copay when performed by an in-network provider.
For Adults
Annual wellness visit
Blood pressure screening
Cholesterol screening
Colorectal cancer screening
CDC-recommended immunizations
For Women
Breast cancer screenings (mammograms)
Cervical cancer screenings
Osteoporosis screenings
For Children
Well-child visits
Routine immunizations
Developmental screenings
Vision and hearing screenings
The plan covers 100% of the cost for eligible preventive services when received from a provider in the plan’s network.
Preventive Blood Work
MEC also includes blood work considered preventive under the ACA, which may include (but is not limited to):
Cholesterol tests or lipid panels
Screening for Type 2 Diabetes and Gestational Diabetes
Hepatitis B and C screenings
HIV screening
Anemia screening for pregnant women or patients under age 18.
Additional lab work may be covered if billed with preventive codes. We recommend contacting the Concierge team for verification prior to obtaining services.
Using the PHCS Provider Network
Providers may be nominated to participate
If a PHCS provider is not available within a 50-mile radius:
Eligible preventive services may be covered using a non-network provider
Payment is limited to 150% of the equivalent Medicare Allowed Amount
This does not apply to services deemed ineligible under the Plan Benefits Document
How to Find a Preventive Care Provider
Choose PHCS Specific Services Network
Click Select and Search (green button, bottom right)
Enter the provider type
Enter city, state, or ZIP code
Click Search
If you need assistance finding an in-network provider or scheduling an appointment, please reach out to our concierge team.
Your Preventive Care Appointment:
Preventive Care (MEC):
Present your MPB Card at the time of service.
Your card can be accessed in the MPB Health App.
For all other car,e let your provider know you are a cash-pay patient. This helps ensure you receive appropriate pricing and avoids billing confusion.
Important Notes
Preventive services must be performed by an in-network provider to receive $0 cost-sharing
Avoid balance billing by staying in-network
Your visit must be coded strictly as a preventive visit, as defined by the ACA
MEC does not cover treatment for illness, injury, or ongoing conditions
Services must meet ACA preventive care guidelines
Eligibility is subject to the Plan Benefits Document
Please note that diagnostic services are not covered. In some cases, a visit may include both preventive and diagnostic services. If this happens, MEC may cover only the preventive portion of the visit. Tests ordered to evaluate symptoms or rule out a condition are considered diagnostic and are the member’s financial responsibility.
Preventive care availability varies by membership. Please review your program details or contact the MPB Health Concierge Team to confirm eligibility.
Need Help?
Our MPB Health Concierge Team can assist with:
Finding an in-network provider
Understanding preventive vs. shareable medical needs
Navigating MEC benefits
📞 Concierge: 1-800-519-2969
📧 Email: concierge@mympb.com
🌐 Member Portal: https://app.mpb.health/