MoTek helps employers evaluate plan design, funding options, employee needs, and long-term costs—providing clear guidance and practical benefits strategies built around each organization.
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Optimize Coverage, Maximize Savings
Health insurance carriers assume all risks for healthcare costs and keep the access premiums. Members pay premiums, co-pay, deductible, and out-of-pocket maximums. Employers have no risk beyond premiums.
Predictable monthly costs work like traditional fully funded plans. Lower monthly costs are based on your specific employee population and health. The plan can be customized beyond carrier constraints and network. The employer will receive a certain percentage back annually for any unused premiums in the claims account. Employees will receive better career discounts at the medical facilities.
Health insurance carriers assume all risks for healthcare costs and keep the excess premiums. Members pay premiums, copays, deductibles, and out-of-pocket maximums. Employers have no risk beyond premiums.
Health insurance coverage that meets the individual shared responsibility requirement, also known as the individual mandate. MEC health benefits meet the federal coverage to avoid tax penalties for a group not offering employer-sponsored health benefits. MECs offer lower premium costs than comprehensive health insurance plans, making them an attractive option for small businesses.
Employers can use pre-tax dollars to design HRA benefits programs and reimburse employees, offering an employer health spending arrangement and benefits through employee-funded plans.
Tax-advantaged savings for HCH deductible family deductibles plan expenses contribute tax-free, deductible-free care deductibles.
An account that offers tax benefits and is intended for use in tax-qualified medical expenses. Employees may contribute pre-tax dollars.
This vital for handling prescription drug benefits in self-funded group plans, from coverage to specialty medications.
Manage health benefits on behalf of the employer, from processing claims and administering plan operations.
This is designed to cater to the employer and employee's needs to become stronger partners, providing direct support and guidance.
Fully Funded | Self Funded
Don't let the burden of healthcare cloud your vision for a precise solution. We are here to help.
