Your Best Protection Against Rising Healthcare Costs

HCAC uses a Medical Expense Reimbursement Plan (MERP) to create savings for Unions, Employer Groups, and Working Families alike.

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What Is A MERP?

A Medical Expense Reimbursement Plan (MERP) is an IRS-approved plan custom-designed for Unions, Employers, and other group healthcare purchasers which allows them to offer participants coverage of all out-of-pocket medical expenses while also saving money by reducing claims.

Without a MERP, the member/employee is responsible for all out-of-pocket costs, and the union/employer pays 100% of all insurance claims.

Many people have their spouse and/or children on the same plan even when the spouse is employed and has the option to be part of a different group health insurance plan offered by their employer or union. The MERP provides medical expense reimbursement as a robust incentive for the spouse/dependents (or the original member) to get on the alternative employer-funded plan available to them.

Existing Health Plan

BEFORE MERP

Pays 100% of Claims

Existing Health Plan

AFTER MERP

Pays 100% of Out of Pocket Costs

Family Coverage

BEFORE MERP

→

BEFORE MERP

→

Pays 100% of Out of Pocket Costs

Family Coverage

AFTER MERP

AFTER MERP

AFTER MERP

No Out of Pocket Costs or Claims

Spouse’s Health Plan

BEFORE MERP

→

No Out of Pocket Costs or Claims

Spouse’s Health Plan

AFTER MERP

Pays 100% of Claims

Once this is done, the picture changes. The spouse's health plan now pays 100% of medical claims, while the original Union/Employer plan reimburses all out-of-pocket costs (deductibles, co-pays, co-insurance, office visits, prescription costs). The working family member pays neither! The responsibility is split.

Now, because reimbursement costs are lower than individual claims - in fact, they are capped by the ACA - the Union/Employer will see immediate, continuous savings. This is a game-changer that's a clear win-win for both plan sponsors and members.

It may sound impossible, but this program has been reducing significant healthcare costs for more than twenty years.

Every client has a customized MERP program developed which keeps your members whole.

Learn more about how you can control healthcare costs and improve benefits as a Union rep or Employer.

See how a MERP saves you money as a participant.

  • “At first, the program seemed too good to be true. We are so grateful that it really is true! It has saved us thousands of dollars over the past two years. My husband had to have physical therapy not long after we joined the program, so we saw immediate results – the total bill almost met our deductible, less than a month into the new year, and MERP covered every penny.”

    — Joanna L.

  • “I feel like we have had a pay raise for our family because we have not had any medical expenses this year. We are definitely signing up again this year!!”

    — Carrie F.

  • “This program is amazing! It covers all my out-of-pocket costs. I have been using the MERP program for 2 years now and since going on it I have not had to pay out anything. My husband had shoulder surgery in February, and we did not pay a penny for anything. It was great.”

    — Shannon G.

  • “We are saving almost $600 per month!”

    — Andrea R.

  • "My family is receiving many financial benefits from using the MERP. Not having to worry about paying co-pays, coinsurances, and deductibles really has helped our wallet. For the pharmacy side of MERP, I simply keep my insurance ERB’s to submit to the MERP and am reimbursed for those costs.”

    — Sarah P.

  • “I am getting good results for using the MERP program with my employer. It has benefitted my family and me both medically and financially in that the MERP plan covers all out of pocket expenses to date.”

    — Andy D.

  • “I love having this benefit and I put the reimbursements back in a savings account to go toward orthodontics for my 3 children.”

    — Melissa B.

  • “I have had no out of pocket expense for the past year. No co-pays, no co-insurance or deductible expenses.”

    — Angela S.

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