Flexible health benefits built for today’s workforce.
Give employers the flexibility to offer employees Major Medical, Limited Benefits, Preventive Care and more — with captive-funded plan strategies designed to support ACA-aligned coverage options across all 50 states.
What are IMEC Health Plans?
CapGuard’s IMEC Health Plans are innovative health benefit programs funded through captive insurance, designed to help employers navigate ACA requirements efficiently. These plans are structured to help reduce exposure to ACA-imposed penalties while offering consistent options across all 50 states.
A modern approach to affordability and stability.
IMEC Health delivers a cost-conscious benefits strategy without traditional rate volatility.
IMEC Advantage
- A comprehensive alternative health solution
- Employer contributions may be tax-deductible*
- Unused IMEC funds may be tax-deferred (taxed upon refund)*
- Consistent plan availability across all 50 states
- Superior healthcare management services
- Cost-effective responses to ACA penalty obstacles
Key Features
Clear eligibility standards and flexible employer options.
Eligibility Guidelines
- Policy issuance typically requires 5+ employees in most states
- Florida & Ohio: 51+ employees minimum
- Employee eligibility begins at 15+ hours/week after the waiting period
- No pre-existing condition exclusions
- No health questionnaires
- Coverage is guaranteed for eligible groups
Employer Flexibility
- Employer contributions are not mandatory
- Benefits may be assigned directly to healthcare providers
- Compatible add-ons: COBRA, Telemedicine, Hospital Indemnity & Voluntary Benefits
Built-In Member Support Services
Support tools designed to improve access, experience, and outcomes.
Provider Navigation
Assistance locating and verifying providers within a national PPO network.
24/7 Virtual Doctor Access
Unlimited consultations via phone and email.
Advocacy & Admin Support
Wellness nurses, bilingual (EN/ES) assistance, COBRA administration, and Section 125 POP support.
Choose Your IMEC Plan
CapGuard offers multiple IMEC plan options to match different workforce needs and budgets. Use them as standalone solutions or enhance coverage with IMECIND indemnity options for broader protection. All IMEC plans may be combined with COBRA, Telemedicine, Hospital Indemnity, and Voluntary Benefits.
IMECMSL
Medical Stop Loss Plan — a comprehensive alternative to fully insured programs.
- Ready-to-launch medical benefit packages
- Custom plan flexibility (or keep your current plan)
- Third-party administration support
- PPO and local network access
- Pharmacy benefit options to control prescription costs
IMECLF
Level-Funded Health Plan — predictable monthly funding with self-funded control.
- Fixed monthly funding (expected claims, admin, stop-loss)
- No medical underwriting questionnaires
- No pre-existing condition exclusions
- Nationwide PPO network access
- ACA-aligned plan designs
IMECF
Foundation Preventive Plan — proactive care with predictable costs.
- Preventive and wellness services
- Prescription discount cards
- Up to 64 preventive care instances (adult, women’s, children’s)
IMECE
Essential Plan — everyday care access plus preventive support.
- Primary care and specialist visits
- Urgent care services
- Outpatient X-rays and labs
- Emergency room services
- Prescription discount cards
IMECLB
Limited Benefits Plan — targeted protection for broad workforces.
- Doctor visits, wellness checks, ER (sickness/injury)
- Vision & hearing services
- Diagnostics, X-rays, labs
- Ambulance, hospital stays, ICU, skilled nursing
- Indemnity outpatient prescription drugs
IMECIND
Supplemental Indemnity Protection — extra help when serious illness or injury occurs.
- Benefits paid directly to the insured
- Flexible options: Cancer, Critical Illness, Hospital Indemnity, Accident
- Dental, Vision & Hearing options available
- Portable coverage employees can keep
- Compatible with HSA-qualified plans
Why Employers Add IMECIND
- Helps offset high deductibles and out-of-pocket costs
- Benefits paid directly to the insured
- Flexible plan designs to match benefit strategies
- Portable coverage employees can keep
- Simplified underwriting and guaranteed renewability
- Compatible with HSA-qualified health plans
Next Steps
We’ll help you compare IMEC options and design a package that fits your workforce and budget.
Build a smarter benefits strategy with IMEC.
Get a clean comparison of plan options and a tailored recommendation for your workforce.
