Medical
Preventive care at 100%. Free virtual urgent care, day or night.
$20 doctor visit Three visits a year, plus specialist and urgent care
THE MEC SIX-PACK · FOR HOURLY AND HIGH-TURNOVER TEAMS
Six real benefits. One bill. $234 a month.
The MEC Six-Pack covers the employees major medical prices out. Medical, dental, and vision for everyday care, plus cash when something serious happens. Employer-paid, guaranteed issue, and the rate holds for two years.
No health questions. No underwriting. No employee turned down.
HOW IT WAS BUILT
Most MEC plans start with a benefit design and end with a rate. This one started the other way around.
A broker kept running into the same problem. His clients ran hourly, high-turnover teams. Major medical quotes came back impossible. The MEC plans already on the market were thin enough that employees never used them.
So we asked him what his clients actually needed and what they could realistically pay. Then we built it with Mutual of Omaha to hit that number, and priced it the way a nonprofit can, without earnings going to shareholders.
That is why $234 covers six benefits instead of one.
WHAT YOU GET
What your employees actually get.
Everyday care from EMI Health. Cash from Mutual of Omaha when something serious happens. Employees enroll once and get all six.
The EMI Health MEC Six-Pack
Six benefits in one employer-paid plan, $234 per employee per month.
Dental
No waiting periods. Crowns and root canals are covered on day one.
$1,500 a year Two cleanings at 100%, no deductible
Vision
An exam, lenses, and frames every 12 months. Costco and Walmart included.
$130 for frames $10 exam copay on VSP Choice Plus
From Mutual of Omaha, cash paid to your employee
All three are guaranteed issue. No health questions, no exams, no one turned down.
Hospital Indemnity
Cash the day they are admitted, on top of whatever the medical plan pays.
$2,000 on admission $4,000 for ICU, plus $100 a day
Accident
On or off the job, 24 hours a day. Falls, fractures, and sprains. Pays $50 a year for a covered health screening.
$400 per ER visit Ambulance, follow-ups, and therapy pay too
Critical Illness
One lump sum the day the diagnosis lands. No medical questions. Pays $50 a year for a covered health screening.
$10,000 at diagnosis $5,000 for dependent children, included
One PDF you can send straight to a group.
Download the overview →
NETWORKS
Nationwide networks for every benefit.
Your employees see in-network providers for medical, dental, and vision wherever they live. The cash benefits pay the employee directly, so they need no network at all.
MEDICAL
First Health Limited Benefit Network nationwide. In Utah, the EMI Health MEC network.
Dental
Cigna DPPO SA Plus network nationwide. In Utah, the EMI Health Premier network.
VISION
VSP Choice Plus nationwide, including 65,000+ providers and retailers such as Costco, Walmart, and Visionworks .
THE RATE
$234 per employee per month. Guaranteed for two years.
One rate covers all six benefits.
| Coverage tier | Monthly rate |
|---|---|
| Employee only | $234 |
| Employee + spouse | $412 |
| Employee + children | $405 |
| Family | $573 |
You pay 100% of the employee-only rate. For enrollments effective November 1, 2026 or later. Rates guaranteed for two years from your effective date.
HOW IT COMPARES
One rate instead of four quotes.
What most employers assemble piece by piece, the Six-Pack delivers in a single plan.
| THE MEC SIX-PACK | WHAT YOU HAVE NOW | |
|---|---|---|
| Rate | $234 covers all six | Medical rate, plus separate quotes |
| Billing | One bill through EMI Health | One per carrier |
| Cash benefits | Included, guaranteed issue, plus $100 a year for screenings | Added separately, if offered at all |
| Dental and Vision | In the rate, no waiting periods | Add-on modules, billed and administered separately |
| Rate stability | Two-year guarantee on all six | Often one year on supplemental |
HERE WHEN YOU NEED US
Questions? Start here.
Whether you're exploring EMI Health or already working with us, there's a direct path to a real person.
New to EMI Health?
Tell us about your organization and the sales team for your state will reach out.
Start a conversation →Already working with us?
Billing, enrollment, renewals — find the right team for brokers and groups.
Find your contact →Using EMI Central?
Step-by-step portal guides for group administrators and brokers.
Get portal help →HOW IT WORKS
Simple rules, built for turnover.
Employer-paid
You pay 100% of the employee-only rate. Every enrolled employee gets all six benefits. There is no waiving individual pieces, which is what makes the $234 rate possible.
Who is eligible
Employees working 20 or more hours a week. You may set a higher requirement. W-2 employees only; 1099 contractors are not eligible.
One package, one bill
Two short applications at setup, one for each carrier. After that, EMI Health handles enrollment, changes, and billing for all six benefits. One invoice a month. One number to call.
Group size and states
A minimum of 10 enrolled employees. Available in Arizona, Georgia, Idaho, Texas, and Utah.
GETTING STARTED
Three steps to enroll
No underwriting. No claims history to gather. All six benefits are guaranteed issue, so no employee is asked a health question or turned down. Your broker or EMI Health representative works with you at every step.
01
APPLY
Complete both applications
Two short online applications, one per carrier. This is the only place the two-carrier structure shows up. After this, everything runs through EMI Health.
02
ENROLL
Enroll once
Your group and your employees enroll one time through EMI Central. That single enrollment covers all six benefits.
03
LOCK YOUR RATES
Hold $234 for two years
Your employee-only rate is guaranteed for two years from your effective date, on all six benefits.
Start the EMI Health application
Coming soon
Start the Mutual of Omaha application
Coming soon
The MEC Six-Pack satisfies the employer requirement to offer minimum essential coverage. It does not satisfy the minimum value or affordability requirements and it is not major medical. Medical, dental, and vision are provided by EMI Health. Hospital indemnity, accident, and critical illness are provided by Mutual of Omaha. The $50 health screening benefit is included on the accident and critical illness plans only. Hospital indemnity is subject to a 6/6 pre-existing condition provision for employees who enroll after their initial eligibility period. This is a summary only. See plan documents for full terms, limits, and exclusions.
QUESTIONS
Common questions about the MEC Six-Pack
What is a MEC Six-Pack?
One employer-paid plan with six benefits. MEC Enhanced, dental, and vision from EMI Health cover everyday care. Hospital Indemnity, Accident, and Critical Illness from Mutual of Omaha pay cash directly to your employee when something serious happens. The Accident and Critical Illness plans each pay $50 when an employee completes a covered health screening, so the plan gives something back in a normal year too.
One package, one bill, one rate of $234 per employee per month.
Does the Six-Pack meet our coverage requirement?
Yes. MEC Enhanced satisfies the requirement to offer minimum essential coverage. It does not satisfy the separate minimum value or affordability standards, and it is not major medical. It is designed for the part of your workforce that major medical prices out.
Do we have to offer all six benefits? Can we swap any out?
Yes to the first, no to the second, and that is what makes the rest of it work. The Six-Pack is one fixed plan. That is why we can enroll a group with an application and a census, with no underwriting, and hold $234 for two years. Custom builds mean quoting, underwriting, and a slower start.
Who is eligible?
Employees who work 20 or more hours a week. You can set a higher hours requirement for your group if you want to. You also decide whether to cover legal guardians and domestic partners, the same way you would on a major medical plan. W-2 employees only. 1099 contractors are not eligible. Everyone who enrolls is accepted. All six benefits are guaranteed issue, with no health questions and no medical exams.
What does my team have to do after we set it up?
Add and remove people through EMI Central, the same as any other plan. You get one invoice a month covering all six benefits and one number to call. There is no second carrier to reconcile and no separate supplemental billing.
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Who do employees call?
EMI Health Customer Service at (800) 662-5851 for medical, dental, vision, ID cards, and enrollment questions.
Mutual of Omaha handles hospital indemnity, accident, and critical illness claims. Both numbers are on the enrollment materials, so your team does not become the help desk.
What happens when an employee leaves?
Hospital Indemnity, Accident, and Critical Illness are portable. An employee who leaves can keep that coverage and pay the premium directly, subject to plan terms. Ask your EMI Health representative about continuation on the medical, dental, and vision benefits.
Can we offer the Six-Pack alongside major medical?
Yes, and many employers do. It is common to put hourly staff on the Six-Pack and salaried staff on major medical. The major medical plan does not have to be with EMI Health. If you want both from us, say so when you request a quote.
Can we move our current MEC plan to the Six-Pack?
Yes. Existing EMI Health MEC groups can move at renewal. Contact your broker or account manager to start.
Where do I find the full benefit details?
The one-page overview covers every copay, allowance, and payout across all six benefits, plus the group guidelines.
Click to download, or ask your EMI Health representative for the full plan documents.
Is the Six-Pack available in my state?
The Six-Pack is available to employer groups in Arizona, Georgia, Idaho, Texas, and Utah.
It is a limited release. If your group is somewhere else, use the form above and we will let you know when it reaches your state.
FOR BROKERS
Bring this to the clients major medical keeps pricing out.
One rate, no underwriting, and a census instead of claims history. The two-year hold means the renewal conversation is handled before it starts.
READY WHEN YOU ARE
Your hourly team could have all six benefits on November 1, 2026
Tell us your headcount and your state. The sales team for your area takes it from there.