Group Limited Indemnity + MEC

Phone 1-855-251-0909
Hours M-F 8a-5p CT
Email customer.service@mercer.com

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Who is the provider?

Group Limited Indemnity (GLI) is underwritten by Beazley Insurance Company, Inc., which is rated A by A.M. Best. It is a subsidiary of The Beazley Group, which was founded in 1986. Beazley Benefits is Beazley’s U.S. group insurance division, which provides a customized suite of supplemental accident & health insurance products that helps protect against life’s uncertainties.

MEC is provided by your employer.
How can this help me?

Group Limited Indemnity (GLI) helps manage your health expenses, by providing a set benefit amount for certain medical expenses. For example, if you are admitted to the hospital or ER or visit a doctor due to an accident or sickness, the plan pays a fixed amount per day for a set number of days per year.

The First Health® provider network helps by providing discounts when you receive services from a network provider, even if those services are not covered under the MEC or GLI plan.

The Teladoc telehealth services helps by providing 24/7/365 access to board certified physicians via phone, video or mobile app. It’s an affordable alternative to costly urgent care and ER visits when you need immediate care.
What is Group Limited Indemnity Insurance (GLI)?

GLI Insurance pays a fixed benefit amount, when an insured receives certain services covered under the plan. These payments can help cover some, but not necessarily all, of the cost associated with the medical services and treatment you need due to an accident or sickness. The plan pays the set amount per day for a specific number of days per year, regardless of the fees charged by the provider for the service.

See the GLI+MEC brochure or GLI+MEC Spanish brochure for benefit amounts and annual benefit maximums.
Who is eligible?

Active part-time employees are eligible to participate in the plan. Eligible dependents include spouse, domestic partner, and both married and unmarried dependent children (including children of a domestic partner) until their 26th birthday.
When can I enroll?

As a new hire, you can enroll within your first 30 days. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
What if my employment status changes?

If you leave employment, your MEC + Group Limited Indemnity (GLI) coverage will terminate at the end of the month in which you leave.
What if I experience a qualifying life event?

If you get married or have a baby, you may add coverage for a spouse and/or child within 31 days of the date of marriage or birth.

If you have dependent coverage and you get divorced or your child ages out of the plan, their coverage will terminate at the end of the month, in which the event occurred. You must provide notification of the eligibility change within 31 days.

What’s covered?

The Group Limited Indemnity²plan pays certain medical expenses at a specific benefit amount for a limited number of days.

Option 1 and Option 2 cover a daily amount for hospital confinement, emergency room visits for sickness and for injures, and physician’s office/urgent care visits, as well as a lump sum for hospital admission.
Option 1 only covers outpatient surgeries and certain diagnostic tests, plus hospital ICU.

The MEC plan covers 100% of the cost of certain preventive services delivered by a network provider, such as:

Preventive health screenings and services

For a full list and age requirements, refer to the LIST OF MEC COVERED SERVICES

Examples for Adults

Examples for Women

Examples for Children

Blood pressure screening
Cholesterol screening
Colorectal cancer screening
Diabetes screening
HIV screening
Immunization vaccines
COVID-19 diagnostic testing

Breast Cancer Mammography
Cervical Cancer screening
Gestational diabetes screening
Human Papillomavirus
Osteoporosis screening
Routine prenatal visits
STI screening

Developmental screening
Hearing screening
Height, Weight and Body Mass
Lead screening
Immunization vaccines
Vision screening
COVID-19 diagnostic testing

The Group Limited Indemnity²plan pays certain medical expenses at a specific benefit amount for a limited number of days. It covers a daily amount for hospital confinement, emergency room visits for sickness and for injures, and physician’s office/urgent care visits, as well as a lump sum for hospital admission.

What’s not covered?
EXCLUSIONS AND LIMITATIONS

The Group Limited Indemnity Policy does not provide any benefits for the following:
- Services or supplies that are not Medically Necessary, even if prescribed, recommended, or approved by a Physician;
- Intentionally self-inflicted Injury or suicide attempt while sane or insane;
- Voluntary abortion except, where You or Your Dependent Spouse’s or Domestic Partner’s life would be endangered if the fetus were carried to term, or where medical complications have arisen from abortion;
- Procedures, services, or drugs related to artificial insemination, in vitro or test tube fertilization, including any related testing;
- Procedures, services, or drugs for exogenous obesity or weight control;
- Services for purchase and fitting of hearing aids;
- Services and supplies related to smoking cessation;
- Charges for food, food supplements, or vitamins;
- Charges related to marriage, family, child, career, social adjustment, pastoral, or financial counseling;
- Services related to therapy, supplies, treatment or counseling for sexual dysfunction or inadequacies that do not have a physiological or organic basis; The policy does provide benefits for Medically Necessary treatment, drugs, services or supplies related to gender transition (including gender dysphoria), medically appropriate gender-specific services, and other related dysfunctions;
- Procedures, services, or drugs for the reversal of a tubal ligation or a vasectomy;
- Charges for rental or purchase of durable medical equipment;
- Injury or Sickness resulting from an act of war, declared or undeclared; active participation in a riot, civil commotion, civil disobedience or unlawful assembly; committing a felony; participation in a contest of speed in a power driven vehicle, parachuting, parasailing, bungee jumping, scuba diving, stunt driving, rock climbing, flying ultra-light aircraft, skydiving, hang gliding or any hazardous sports activity for exhibition purposes; air travel, except as a fare-paying passenger on a commercial airline; or being intoxicated or under the influence of any narcotic unless administered on the advice of a Physician;
- Cosmetic surgery or elective surgery except organ donation or Medically Necessary gender reassignment, including any expenses related to Hospital Confinement, unless due to a covered Injury or Sickness;
- Any Treatment, drugs, or surgery considered Investigational or Experimental by the American Medical Association, the Health Care Finance Administration, or the Federal Drug Administration;
- Any Injury or Sickness occurring while the Insured is in the service of the Armed Forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the Armed Forces. When the Insured provides Us notice of entering the Armed Forces, We will return to the Insured pro rata any premium paid, less any benefits paid, for any period during which the Insured is in such service;
- An Injury or Sickness for which the Insured receives benefits under Workers’ Compensation or similar coverage or for which the Insured would receive benefits under Workers’ Compensation if the employer had enrolled the Insured for such coverage and the Insured and employer had cooperated in filing a claim under that coverage;
- Dental or vision services, including but not limited to treatment, surgery, extractions or x-rays, unless: resulting from an Injury occurring while the Insured’s coverage is in force and if performed within 12 months of the date of such Injury; due to congenital disease or anomaly of a newborn Dependent Child; or dental services or oral surgery due to excision of impacted third molars, closed or open reduction of fractures, or dislocation of the jaw;
- Any charges incurred prior to the Certificate Effective Date or in excess of the Calendar Year Maximums shown on the Schedule of Benefits;
- Pregnancy of a Dependent Child, except Complications of Pregnancy;
- Routine examinations, such as health exams, periodic check-ups or routine physicals;
- Treatment for Mental or Nervous Disorders, unless specifically stated in the Schedule of Benefits; or treatment for Substance Abuse, unless specifically stated in the Schedule of Benefits.

Monthly cost of coverage:
	*Option 1*	*Option 2*
Employee	$49.80	$106.75
Employee + Spouse/Domestic Partner	$89.80	$180.25
Employee + Child(ren)	$69.80	$147.25
Family	$109.80	$220.75

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