Medical MEC Plans by ACI

CCRES is pleased to offer a full range of benefits through the following carriers, effective January 1, 2027. Once you make your Open Enrollment elections, you cannot change your benefits until the next open enrollment period unless you experience a qualifying life event. Qualifying Life Events include marriage, divorce, birth/adoption of a child, death of a dependent, and/or change in employment status for you and a spouse. You must contact Human Resources within 31 days of the Qualifying Life Event if you wish to change your elections.

Choosing Your Plan

Your CCRES medical options are limited indemnity plans and do not function like a traditional medical plan. Instead of a deductible and coinsurance, they pay fixed dollar amounts for covered services. Two of the plan options assessa fixed copay at timeof care. All three plan options cover wellness and preventive services, as well as ACA-mandated generic prescriptions, in full. There are no deductibles or coinsurance.

1. Medical Plan Option 1: Base Plan (MEC + Plan 1)

The Base Plan pays a set dollar amount back to you for each covered service, up to the daily limits outlined on the Benefits Guide.

2. MedicalPlan Option 2: Mid Plan (SuperMEC & Plan 2)

The Mid Plan adds fixed copays for office visits, urgent care, the emergency room, and prescriptions, and includes an out-of-pocket maximum. It also pays set dollar amounts back to you for hospital and surgical services.

3. MedicalPlan Option 3: High Plan (SuperMEC & Plan 1)

The High Plan has the same copays and out-of-pocket maximum as the Mid Plan, but includes more reimbursable services, including office visits, diagnostics, and the emergency room.

Medical: Multiplan (now Claritev) MEC by ACI:

• Contact ACI at: Phone: (888)293-9229
• Email: [email protected]
• Finda Provider: PolicyCode: CCR at www.Multiplan.com or www.Claritev.com and select:
  1. Find a Provider 2. Choose Network > PHCS 3. Choose > PHCS Limited Benefit Plan  4. Search by (name, specialty, facility type) 5. Enter your zip code 6. Click the Search Icon

Wellness and Preventive Services: Please refer to the Benefit Summary for a complete list of the services. Click here to learn more! To find a provider, visit www.multiplan.com, choose the PHCS network, and then Limited Benefit Plan. Benefits and accumulators run on a calendar year basis.

Pram Rx. – Preventive Mandated Prescriptions: The “pram rx aca preventive drug list” refers to preventive medications covered under the Affordable Care Act (ACA) from a specific insurance plan provider, PRAM Insurance Services, Inc.. These lists are not universal; they vary by plan. Common categories of ACA-covered preventive drugs include contraceptives, folic acid and other prenatal vitamins, fluoride, low-dose aspirin, statins, smoking cessation aids, and certain vaccines. 

Categories and examples of preventive drugs:
Contraceptives: Oral contraceptives (e.g., certain generic and brand-name pills), injectables, and emergency contraception options like levonorgestrel 1.5mg.
Fluoride: Supplements like sodium fluoride for children aged 6 months to 16 years.
Folic Acid: An essential prenatal vitamin.
Low-Dose Aspirin: For the prevention of heart attack and stroke.
Statins: Medications like atorvastatin for cholesterol prevention.
Smoking Cessation: Medications such as bupropion and nicotine replacement products like patches, gum, or inhalers.
Vaccines: Various vaccines like Pneumovax 23, Prevnar 13, Shingrix, and flu shots.
HIV Prevention: Medications for pre-exposure prophylaxis (PrEP).
Other preventive medications: Some plans may also include drugs for conditions like diabetes or high blood pressure, but coverage varies by plan.

How to find your specific list?
Click to check your insurance provider’s website: Search for your specific plan’s “preventive drug list,” “ACA preventive care drug list,” or “formulary”.
Contact PRAM directly: If you are a member of PRAM, you may need to contact them for a definitive list specific to your plan.
Review your Summary of Benefits and Coverage (SBC): This document provides an overview of your plan’s coverage, including preventive services.

Lyric- Telemedicine and Behavioral Health Plan: Lyric FREE Telemedicine 24/7.
Take the following actions to register with Lyric Health and add your dependent(s) to your coverage.
Adding dependents to your LYRIC HEALTH PLAN:
• Visit portal.getlyric.com or call 866-223-8831.
• Have the primary member’s date of birth, first name, and last name available.
• Follow the prompt to add dependent information. All dependents over the age of 18 will be emailed their personal account credentials to register once added under the primary member’s account.