Do Concierge Services and Health Care Organizations Count as Coverage?
If you are signed up with a concierge doctor or the private Christian based health care organizations are you exempt from Obamacare?
Under ObamaCare you need Minimum Essential Coverage. This can include concierge services paired with catastrophic coverage and health care organizations
A Concierge doctor paired with catastrophic coverage, or being coverage from a health care organization that provides both catastrophic coverage and doctor services count. You can learn more about catastrophic plan rules in Section 1302(e) of the PPACA.
As for health care organizations they have to get their coverage recognized by CMS as Minimum Essential Coverage. Below is the exact directions for how health care organizations can get their coverage qualified as Minimum Essential Coverage.
Minimum Essential Coverage Designation Process
The Centers for Medicare & Medicaid Services (CMS) is accepting applications from organizations seeking minimum essential coverage recognition for their health plans or policies. If your organization provides coverage in any of the minimum essential coverage categories above, your organization does not need to apply to CMS for minimum essential coverage recognition. Applicants who are not part of the categories identified above and would like to have their plan or policy recognized as minimum essential coverage, should use the process outlined in sub-regulatory guidance issued by the Center for Consumer Information and Insurance Oversight (CCIIO).
- Minimum Essential Coverage Guidance (PDF – 181 KB)
- MEC Application Form (updated 12/19/2013) (XLSX – 15 KB)
- MEC Application Form – Accessible Format (updated 12/19/2013) (PDF - 13744KB)
- Certification Statement (PDF – 83 KB)
- MEC Data Dictionary (PDF - 111KB)
- Other Resources (updated 08/08/2014)