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Compare Vitable’s ACA Compliant Solutions

All Vitable MEC & MVP plans come standard with Vitable Primary Care 
memberships for all employees and dependents.

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Vitable Primary Care

No Co-pays and No Deductibles

Dependents included at No Extra Cost

Virtual & In-Home Visits

Mental Health Visits

Prescriptions Benefits (1000+ Free Rx)

Preventative/Wellness Visits

Labs & Diagnostics

Care Navigation & Referrals

Administrative Services

ACA Part A Compliant 4980H (a)

ACA Part B Compliant 4980H (b)

Managed IRS Tax Filings

Managed Open Enrollment Periods

Dedicated Customer Success Support


Preventative / Wellness Office Visits

Primary Care Office Visits

Specialist Visits

Urgent Care Visits


Additional Prescription Benefits

Behavioral Health Benefits


Frequently Asked Questions

What is the difference between MEC and MVP?

Minimum Essential Coverage (MEC) plans cover preventive services like vaccinations and screenings to satisfy the part A requirement under the Affordable Care Act (ACA) or 4980H(a). While a Minimum Value Plan (MVP) covers pay at least 60% of the actuarial value of allowed benefits - similar to a bronze-level plan available on a public Exchange. MVP can satisfy the part B requirement under the ACA or 4980H(b).

What is Applicable Large Employer (ALE)?

An Applicable Large Employer (ALE) is a business or organization that has an average of at least 50 full-time employees or full-time equivalent employees (FTEs) based on the preceding year. An applicable large employer may be a single entity or may consist of a group of related entities. If there is a group of related entities, these are referred to as ALE members. ALEs are subject to specific provisions of the Affordable Care Act (ACA), including employer shared responsibility rules and reporting requirements.

How do I calculate Full-Time Equivalent Employees?

A full-time equivalent employee is a combination of employees, each of whom individually is not a full-time employee, but who, in combination, are equivalent to a full-time employee. An employer determines its number of full-time-equivalent employees for a month in the two steps that follow:

1) Combine the number of hours of service of all non-full-time employees for the month but do not include more than 120 hours of service per employee, and 2) Divide the total by 120

You can find more information at the IRS ALE page: https://www.irs.gov/affordable-care-act/employers/determining-if-an-employer-is-an-applicable-large-employer

What are §4980H "Offer of Coverage" requirements?

The offer of coverage requirements for ALEs under §4980H are as follows:

§4980H(a) – ALEs must offer minimum essential coverage (MEC) to at least 95% (or all but 5, if greater) of full-time employees and their dependent children each month. An offer of coverage is not required for spouses.
§4980H(b) – ALEs must offer coverage that provides minimum value AND is affordable to all full-time employees each month. There is not a 5% “margin of error” for §4980H(b) requirements like there is under §4980H(a).

Do Vitable ACA Compliance Solutions meet the ACAs requirement?

Vtable ACA Compliance Solutions are intended to comply with at least some ACA requirements, to the extent that an employer requests modifications to plan administration or revises plan documentation, the plan may not comply or may not comply fully with the ACA. In addition, Vitable helps employers comply with the ACA and helps employers avoid ACA penalties, but Vitable is not a legal advisor and should recommend that employers consult with counsel regarding compliance with laws and regulations.