One of the first differences members notice with the ClaimLinx solution is that they now have two cards to show at the doctor instead of one. This is because ClaimLinx uses a medical expense reimbursement plan (MERP).
MERP is the key to the ClaimLinx strategy for providing more cost-effective health insurance.
The medical expense reimbursement plan, a Section 105 plan of the tax code, is any arrangement under which a business reimburses an employee for out-of-pocket medical expenses. And all of these reimbursements are paid to the employee 100% tax free.
ClaimLinx uses the MERP to lower insurance costs but still cover employees’ qualified medical expenses.
Normally if a business reduces medical insurance coverage to lower premiums without adding a MERP, the expense shifts from employer to employee. The MERP allows for employees to receive the same coverage while employers save money.
If you have questions about your plan, email firstname.lastname@example.org or call 513.677.6262.