An MVP (Minimum Value Plan) is a type of health insurance that meets the basic standards set by the Affordable Care Act (ACA). It covers at least 60% of the expected costs for covered medical services and includes key benefits like doctor visits and inpatient hospital care. MVP is a major medical insurance with coverage for hospitalization, specialist visits, imaging, emergency services, surgeries, maternity services, and chiropractic care.
Deductible: $1,500 for individual / $3,000 for family
Out-of-Pocket Max: $9,100 individual / $18,200 family
Copay: $15 - $500 copay for in-network services
Co-insurance: 40% coinsurance for out-of-network coverage
Here’s what it means for you:
Covers essential services – It includes important health benefits like doctor visits, emergency care, hospital stays, and prescriptions.
Meets government standards – The plan pays for at least 60% of the average costs of covered services.
Overview of MVP Covered Services
You can find more details on the covered services below, including what you’ll typically pay for common visits like primary care, specialist appointments, lab work, and hospital stays. We’ve also included information on maternity care, emergency services, and more—so you know exactly what’s included in your plan and what costs to expect.
Example of Covered Services
Primary Doctor/Pediatric Sick Visits - $15 copay (deductible does not apply)
Specialist Office Visits - $15 copay (deductible does not apply)
Coverage does not include additional in-office procedures.
Diagnostic tests (x-ray, blood work) - $50 copay (deductible does not apply)
Urgent Care - $50 copay (deductible does not apply)
Example of Covered Services with Limitations
Imaging Services (CT/PE scans, MRIs) - $350 copayment per visit, no deductible applies (limited to 1 scan per year)
Outpatient Surgery - Deductible then $250 copayment per visit (limited to 1 surgery per year)
Emergency Room - $500 copayment per visit, no deductible applies (limited to 1 visit per year)
Hospital Admissions - Deductible then $500 copayment per visit (limited to 5 days per year)
Vitable Primary Care Plan
Vitable Health also offers a direct primary care membership focused on overall health management, prevention, diagnosis, and treatment of common illnesses and conditions. We primarily deliver care through telemedicine, with in-home physicals and blood pressure checks available in certain regions. Your care team includes nurse practitioners and doctors.
Vitable Health offers various membership plans, which may vary based on your employer.
Overview of Services
Annual Wellness Visit (1 per person per year, telemedicine) – Establishes care with a Vitable Health provider, assesses baseline health, and includes standard lab orders.
Annual Physical Exam (1 per person each year - In-home visit). Vitable Health will send a provider out to your home (Please note that availability for this service varies by region.)
Unlimited Primary Care Telemedicine Visits – Covers chronic condition management, prescription refills, acute illnesses, sexual health, and more.
Primary Care Lab Work – Includes standard primary care tests and STI testing through Labcorp (must be provider-ordered). See covered labs here.
Medication Benefit – Covers provider-prescribed medications on the formulary (no controlled substances or injectables). Show your virtual pharmacy card for coverage. Discounts available for non-formulary prescriptions.
Mental Health Coaching - Unlimited mental health coaching.
Flu Vaccine Coverage – Seasonal vouchers available (September – March) upon request.
Household Coverage – Dependents (18 months–64 years) can be added at no extra cost, regardless if they’re related to you. Members 18+ need to download the Vitable Health app to their own account.
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 9 PM EST and on weekends from 9 AM to 5:00 PM EST. You can reach us through the following contact methods:
📞 Call: (484) 416-0769
💬 Chat: Through the Vitable app
📧 Email: support@vitablehealth.com
We’re here to support you every step of the way!