Question

If an employee is a Member of a Healthcare Sharing Ministry and also has the MEC, can he tell the hospital that he is a self-pay patient?

1) Yes, because the MEC coverage is separate from the Healthcare Sharing Ministry membership.
2) No, because the employee should always disclose his insurance coverage to the hospital.
3) No, because the Healthcare Sharing Ministry membership provides sufficient coverage.

Answer 1

An employee with both Healthcare Sharing Ministry (HSM) membership and Minimum Essential Coverage (MEC) should disclose their insurance coverage to the hospital and not claim to be a self-pay patient.

Step-by-step explanation:

Based on the given information, if an employee is a member of a Health Sharing Ministry (HSM) and also has Minimum Essential Coverage (MEC), he should disclose his insurance coverage to the hospital and not claim to be a self-pay patient.

The HSM membership provides coverage for medical expenses through cost-sharing among its members, while MEC is a type of health coverage that satisfies the individual mandate of the Affordable Care Act (ACA). MEC typically includes benefits like preventive services, outpatient care, and emergency services.

However, it's important to note that each hospital may have its own policies regarding billing and insurance, so it's always recommended for the employee to communicate with the hospital and provide accurate information about their insurance coverage.