NCENA Plans
- Become a member of NCENA
- Membership Program Access
- NCENA Plans – MEC Series
NCENA Plans
Become a member of NCENA
Becoming a member of NCENA has one of the most significant advantages for you and your employees; health benefits. We are connected to well-known carriers with coverage that can fit the needs of everyone. Let’s briefly look at some of the benefits that may be available to you and your employees.
- No referrals needed for specialist visits. That means you can skip the waiting line for your doctor to send the referral after your visit. Just make an appointment and go.
- Zero-dollar deductible. Just because you are in the cannabis industry does not mean you should pay high deductibles; we have access to plans that most can offer you that $0 deductible everyone deserves.
- Coinsurance with 0% for in-network care. The more healthcare costs you are responsible for means a lower monthly premium but sometimes that 0% coinsurance makes this worth the price.
- Low monthly out-of-pocket expenses. Our partnered carriers offer out-of-pocket costs as low as $8,150 per single person. Family plan amounts may differ.
- Coverage for outpatient mental health. Provide your employees with the option to get the mental health they need. Today's society has proven that talking to a professional can motivate a person in all aspects of life.
- Chiropractic services. Plan options are available both with and without this coverage.
- Prescription drug benefits. Beat the cost of prescriptions and ensure this is a coverage you don't miss.
- In addition, some of our plans also offer coverage for:
- - emergency medical transportation
- - bloodwork
- - advanced imaging
- - union death benefit
- - emergency room visits
- - urgent care
- - home health care
- - x-ray
- - child eye exams and dental check-ups
- - physician and surgeon fees
Did you know that people are more likely to stay with their job if health benefits are offered to them? So become a member today and keep your employees.
NCENA Plans
Membership Program Access
(Available to association members only)
Rates Include $20 Monthly Association Fee
| States Available: | www.cigna.com | Blue Low |
|---|---|---|
|
Member Only: |
Cigna PPO |
Blue Card |
| Network Search: | www.cigna.com | www.anthem.com |
|---|---|---|
|
States Available: |
Available in 50 States |
Available in 50 states |
|
Member Only: |
$700.00 |
$876.00 |
|
Member + Spouse: |
$1,393.00 |
$1,791.00 |
|
Member + 1 Child: |
$1,184.00 |
$1,504.00 |
|
Member + Family: |
$1,743.00 |
$2,233.00 |
| Referrals: | No Referrals Required | No Referrals Required |
|---|---|---|
|
Preventative Care: |
No Charge |
In-Net: No Charge |
|
Deductible: |
In-Net: $5,000 Single / $10,000 Family
Out-of-Net: $10,000 Single / $20,000 Family |
In-Net: None
Out-of-Net: $7,900 Single / $15,800 Family |
|
Co-Insurance: |
In-Net: 30% After Deductible
Out-Net: 50% After Deductible |
In-Net: 40% Co-insurance
Out-Net: 50% After Deductible |
|
Out of Pocket Max: |
In-Net: $8,150 Single / $16,300 Family
Out-of-Net: Unlimited Single/ Unlimited Family |
In-Net: $8,150 Single / $ 16,300 Family
Out-Net: Unlimited Single / Unlimited Family |
|
Office Co-payments: |
In-Net: $20/$60 Not subject to deductible
Out-Net: Deductible & Co-Insurance |
$30/$50 Not Subject to Deductible
Out-Net: Deductible & Co-Insurance |
|
Mental Health: (Out-Patient) |
Mental Health: (Out-Patient) |
In-Net: $50 Copay
Out-Net: Deductible & Co-Insurance |
|
Chiropractor: (20 Visits Per/Yr.) |
In-Net: 30% After Deductible
Out-Net: 50% After Deductible |
In-Net: $50 Copay
Out-Net: Deductible & Co-Insurance |
|
Hospital: (In-Patient) |
In-Net: 30% After Deductible
Out-Net: 50% After Deductible |
In-Net: 40% Co-Insurance
Out-Net: Deductible & Co-Insurance
(Balance paid at plan network rate) |
|
Prescription Benefits: |
RX Subject to Deductible
Generic: $0 Copay After Deductible
Brand Preferred: 25% After Deductible
Non-Preferred: 50% After Deductible |
RX Not Subject to Deductible
Generic: $0
Brand Preferred: 25%
Non-Preferred: 50% |
| Referrals: | No Referrals Required | No Referrals Required |
|---|---|---|
|
Preventative Care: |
No Charge |
In-Net: No Charge |
|
Member Only: |
$700.00 |
$876.00 |
|
Member + Spouse: |
$1,393.00 |
$1,791.00 |
|
Member + 1 Child: |
$1,184.00 |
$1,504.00 |
|
Member + Family: |
$1,743.00 |
$2,233.00 |
| Emergency Medical Transportation: | In-Net: Deductible & Co-Insurance Out-Net: Deductible & Co-Insurance | In-Net: 40% Co-Insurance Out-Net: Deductible & Co-Insurance (Balance paid at plan network rate) |
|---|---|---|
|
Emergency Room: |
In-Net: Deductible & Co-Insurance
Out-Net: Deductible & Co-Insurance |
In-Net: $250 Copay / 40% Co-Insurance
Out-Net: Deductible & Co-Insurance
(Balance paid at plan network rate) |
|
X-Ray, Bloodwork: |
In-Net: Deductible & Co-Insurance
Out-Net: Deductible & Co-Insurance |
In-Net: 40% Co-Insurance
Out-Net: Deductible & Co-Insurance |
|
Urgent Care: |
In-Net: $20 Copay Not subject to deductible
Out-Net: Deductible & Co-Insurance |
In-Net: $30 Copay
Out-Net: Deductible & Co-Insurance |
|
Child Eye Exam & Dental Check-up: |
In-Net: No Charge
Out-Net: Not Covered |
In-Net: No Charge
Out-Net: Not Covered |
|
Durable Medical: |
In-Net: Deductible & Co-Insurance Out-Net:
Deductible & Co-Insurance |
In-Net: 40% Co-Insurance Out-Net: Deductible & Co-Insurance |
|
Advanced Imaging: |
In-Net: Deductible & Co-Insurance Out-Net:
Deductible & Co-Insurance |
In-Net: 40% Co-Insurance Out-Net: Deductible & Co-Insurance |
|
Home Health Care: |
In-Net: Deductible & Co-Insurance Out-Net:
Deductible & Co-Insurance |
In-Net: 40% Co-Insurance
Out-Net: Deductible & Co-Insurance |
|
Hospital (Outpatient Facility): |
In-Net: Deductible & Co-Insurance Out-Net: Deductible & Co-Insurance |
In-Net: 40% Co-Insurance
Out-Net: Deductible & Co-Insurance
(Balance paid at plan network rate) |
|
Physician and Surgeon Fees: |
In-Net: Deductible & Co-Insurance Out-Net: Deductible & Co-Insurance |
In-Net: 40% Co-Insurance Out-Net: Deductible & Co-Insurance (Balance paid at plan network rate) |
|
Union Death Benefit (Member Only) |
$5,000.00 |
$5,000.00 |
|
Out-of-Network Payment Type: |
125% Medicare |
125% Medicare |
One-Time Processing Fee: $125
Does include monthly association fee: $20 January 1, 2023 Renewal
Deductible and MOOP Reset every January 1st
A parent with multiple children must enroll at the family rate.
X-Ray, Bloodwork: Not covered at Hospital unless the test cannot be performed at diagnostic center or participating labs
Advanced Imaging: Not covered at Hospital unless the test cannot be performed at diagnostic center or participating labs.
This is for illustration purposes only, must meet certain requirements.
2022 Rates
NCENA Plans – MEC Series
| MEC PLUS | MEC PREMIER | |
|---|---|---|
|
Network Search: |
www.anthem.com |
www.anthem.com |
|
States Available: |
Available in 50 states |
Available in 50 states |
|
Member Only: |
$410.00 |
$465.00 |
|
Member + Spouse: |
$780.00 |
$895.00 |
|
Member + 1 Child: |
$675.00 |
$775.00 |
|
Member + Family: |
$1000.00 |
$1155.00 |
| Referrals: | No Referrals Required | No Referrals Required |
|---|---|---|
|
Preventative Care: |
In-Net: 100% Out-Net: Not Covered |
In-Net: 100% Out-Net: Not Covered |
|
Preventative Services: |
100% Coverage for Mandated Preventative Services Limited to 1 visit per year |
100% Coverage for Mandated Preventative Services Limited to 1 visit per year |
|
Deductible: |
In-Net: $0 Out-Net: Not covered |
In-Net: $0 Out-Net: Not covered |
|
Co-Insurance: |
In-Net: $0 Out-Net: Not covered |
In-Net: $0 Out-Net: Not covered |
|
Out of Pocket Max: |
In-Net: Unlimited Out-Net: Unlimited |
In-Net: Unlimited Out-Net: Unlimited |
|
Office Copayments: |
Primary/Specialist $20 copay/visit Limited to 6 visits per year |
Primary/Specialist $20 copay/visit Limited to 6 visits per year |
|
Outpatient Mental Health: |
In-Net: $20 copay Limited to 6 per year. Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Chiropratic: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Rehabilitation Services: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Hospital (In-patient) |
In-Net: $0 Copay
Out-Net: Not Covered |
In-Net: 20% of 1st $10k,
then 100% Copay
Out-Net: Not Covered |
|
Hospital (Out-patient): |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Childbirth/Delivery Facilty: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Prescription Benefits:
Covers up to 34-day supply retail.
90-day supply mail order maximum. |
Generic: 30% Copay M.
Brand: 30% Copay
Non-Preferred: 30% Copay |
Generic: 30% Copay M.
Brand: 30% Copay
Non-Preferred: 30% Copay |
|
Emergency Medical Transportation: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Emergency Room: |
In-Net: $0 copay
Out-Net: $150 copay
Limited to 2 visits per year. |
In-Net: $0 copay
Out-Net: $0 copay
Limited to 2 visits per year. |
|
Diagnostic Testing: |
In-Net: Subject to Deductible no copay
Out-Net: Deductible & Co-Insurance
Limited to 1 per year. Not covered at a
Hospital unless the test cannot be
performed at a diagnostic center or
participating labs. |
In-Net: Subject to Deductible no copay
Out-Net: Deductible & Co-Insurance
Limited to 1 per year. Not covered at a
Hospital unless the test cannot be
performed at a diagnostic center or
participating labs. |
|
Advanced Imaging: |
In-Net: Subject to Deductible no copay
Out-Net: Deductible & Co-Insurance
Limited to 1 each per year. Not
covered at a Hospital unless the test
cannot be performed at a diagnostic
center or participating labs. |
In-Net: Deductible & Co-Insurance
Out-Net: Deductible & Co-Insurance
Limited to 1 each per year. Not covered at a
Hospital unless the test cannot be performed at
a diagnostic center or participating labs. |
|
Urgent Care: |
In-Net: $20 copay
Included in 6 visit maximum.
Out-Net: Deductible & Co-Insurance |
In-Net: $20 copay
Included in 6 visit maximum.
Out-Net: Deductible & Co-Insurance |
|
Child Eye Exam & Dental Check-Up: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Durable Medical: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Home Health Care: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Hospital Out-Patient Facility: |
In-Net: Not Covered
Out-Net: Not Covered |
In-Net: Not Covered
Out-Net: Not Covered |
|
Physician and Surgeon Fees: |
In-Net: $0 copay
Out-Net: Not Covered
Limited to 1 visit per year. |
In-Net: $0 copay
Out-Net: Not Covered
Limited to 1 visit per year. |
|
Union Death Benefit: |
$5,000 |
$5,000 |
|
Out of Network Payment Type: |
125% Medicare |
125% Medicare |
One-Time Processing Fee: $125
Does include monthly association fee: $20
Deductible and MOOP Reset every January 1st
A parent with multiple children must enroll at the family rate.
X-Ray, Bloodwork: Not covered at Hospital unless the test cannot be performed at diagnostic center or participating labs
Advanced Imaging: Not covered at Hospital unless the test cannot be performed at diagnostic center or participating labs.
This is for illustration purposes only, must meet certain requirements.January 1, 2022 Renewal
Contact Us
Interested? Let's get in touch!
Schedule an appointment with an NCENA Account Manager Today or Visit our Membership Portal.
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Speak To An Consultant About NCENA Membership Benefits
If you are interested in learning more about the benefits of a NCENA membership for your cannabis business as well as your employees, speak to the experienced benefits consulting team today.
