Information on participating in the MDA Health Plan
A minimum of two people in your practice must be eligible to participate in the MDA Health Plan. One of the two may be the dentist.
You must offer your eligible employees the ability to enroll in the health plan.
Offering the plan to your employees does not mean you must contribute toward the cost. You may contribute any amount or percentage of the cost you wish, or you may require employees to pay 100% of the cost. This must be uniform for all employees.
To be eligible to participate in the health plan, employees must work a minimum of 24 hours per week. You determine how many hours, between 24 and 40 hours per week, your employees must work to be eligible for the health plan. This must be uniform for all employees.
You can allow employees to add their spouse and/or children to the plan. Employees can be required to pay the cost for spouse and/or children on the plan or you can contribute if you wish.
75% of eligible employees must participate. Employees may waive coverage under your plan if they have coverage through a spouse, parent, or have a subsidized individual health plan. These employees will be counted toward the 75% participation threshold.
Eligible employees waiving because they have coverage through their spouse or parent will be counted as a “participant” for purposes of determining participation percentage. Please check “S” in the Acceptable Waiver column if insurance is through the spouse or “P” if insurance is through the parent.
Eligible employees waiving for individual subsidized coverage will be counted as a “participant” for purposes of determining participation percentage. Please check “Oth” in the Acceptable Waiver column.
Eligible participants waiving coverage and not able to prove insurance elsewhere will have a negative impact on your participation percentage. This is an Unacceptable Waiver. Please check the Unacceptable Waiver column.
MDA Health Plan will collect waivers from all eligible employees for record keeping purposes, to calculate participation and to track qualifying events.
