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Employee FAQs: Minimum Value Plan (MVP)

Updated

Enrollment Process

  • I missed enrollment, can I add the MVP Advantage plan?
    Enrollment in the MVP Advantage plan is only available during your employer’s open enrollment window or if you experience a qualifying life event (such as marriage, birth, or loss of other coverage). If you missed the deadline, you’ll need to wait for the next open enrollment period.

  • Can I waive my MVP Advantage coverage?
    Yes, you can choose to waive coverage. To do so, visit the enrollment portal and select “waive coverage” at the end of the process. Please note that we cannot waive coverage on your behalf.

  • When will I get an insurance card?
    If you are enrolled in the MVP Advantage plan, you’ll receive a digital insurance card. You can access it by logging into the Vitable app and navigating to the “Benefit Cards” section. A physical card may also be mailed, depending on your employer’s setup.

  • Can I add a dependent to my MVP Advantage plan after enrollment?
    All dependents must be added during your initial enrollment. After that window closes, you can only add dependents if you experience a qualifying life event.

  • Can I add my parent to my MVP plan?
    Parents are not eligible dependents under the MVP Advantage plan. Eligible dependents include your spouse, domestic partner, or children under age 26. You can, however, add household members to your Vitable Primary Care membership separately.

Coverage Overview

  • Does the MVP Advantage plan cover hospital stays?
    Yes. The MVP Advantage plan includes major medical coverage such as hospitalization, surgeries, emergency services, specialist visits, and more.

  • Can I see my own doctor?
    Your visit will be covered if your provider is in-network through your plan's network. Otherwise, you may still choose to visit, but you will be responsible for your deductible and a 40% coinsurance after your deductible. 

  • Does the plan cover STI testing?
    Yes. Preventive services like STI screenings (e.g., HIV, Hepatitis B/C, Gonorrhea, Chlamydia, Syphilis) are covered in accordance with ACA guidelines.

  • Am I able to get a mammogram?
    Yes. Screening mammograms are covered for women 40 and older. Diagnostic mammograms are also covered but may be subject to copays or coinsurance depending on the provider and plan usage.

  • What doctors can I go to? The providers available to you will depend on the network associated with your MVP plan. Please review the following article for details on how to access in-network care: How can I find a provider covered by my MEC, MEC Plus, or MVP?

Reimbursement Process

  • Do I have to pay the full price out of pocket?
    If you go out of network, you will typically pay the full cost at the time of service. After meeting your deductible, you may be reimbursed at 60% of the allowed amount. In-network services generally require only a copay.

  • How do I submit a claim? To submit a claim, please send an itemized receipt to claims@vitablehealth.com. For step-by-step details on our claims submission process, please review the following article:How do I submit my reimbursement for my MEC, MEC Plus, or MVP plan?

  • Can I have MVP Advantage and Medicare?
    Yes, but Medicare usually provides more extensive coverage. If you're eligible for Medicare, we recommend reviewing your needs before maintaining the MVP plan.

  • Can I have MVP Advantage and Medicaid?
    Possibly. Coordination of benefits varies by state and Medicaid plan. We recommend contacting your Medicaid provider to understand how the plans would work together.

Need More Help?

If you have any questions, our support team is here to help! We're available Monday to Friday from 9 AM to 6 PM EST and on weekends from 9 AM to 12 PM EST. You can reach us through the following contact methods:

We’re here to support you every step of the way!

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