Our solution puts you at the heart of your medical plan, by giving you 100% coverage and $0 out of pocket (yes, you read that right). We’ve created a smarter plan, known as MERP, that lets you and your family thrive and save money at the same time. Because that’s how it should be.
We set out with a dream to level the playing field of economic disparity by offering medical coverage that everyone can afford. So we did it. And now healthcare will never be the same.
Our solution puts you at the heart of your medical plan, by giving you 100% coverage and $0 out of pocket (yes, you read that right). We’ve created a smarter plan, known as MERP, that lets you and your family thrive and save money at the same time. Because that’s how it should be.
We set out with a dream to level the playing field of economic disparity by offering medical coverage that everyone can afford. So we did it. And now healthcare will never be the same.
We’ve untangled healthcare by removing deductibles, premiums and out-of-pocket expenses from the equation. All you have to focus on is staying healthy and getting care when you need it.
Go to the doctor without worrying about how much it will cost, and feel confident knowing that you’re 100% covered. No hidden fees or outrageous medical bills.
Take back the thousands of dollars you might normally spend a year in a standard health plan and put it towards something that matters – like your future, or a boat.
The MERP is the technical name for the plan we provide. Your employer may call it something different though, but rest assured it’s the same plan Catilize has administered for nearly two decades. The MERP is unique in that it requires that you and your dependents be enrolled in your spouse’s employer-sponsored medical plan as well.
The MERP is the technical name for the plan we provide. Your employer may call it something different though, but rest assured it’s the same plan Catilize has administered for nearly two decades. The MERP is unique in that it requires that you and your dependents be enrolled in your spouse’s employer-sponsored medical plan as well.
Simply select the MERP plan during your next benefit enrollment window, follow the sign up steps below and enjoy the benefits!
Start by enrolling in your spouse’s healthcare plan. If you have dependents, make sure you all enroll in your spouse’s healthcare plan.
When your own Open Enrollment comes around, select the MERP Plan and waive any other medical plan offered by your employer.
To complete your enrollment, you will have to submit proof of alternate coverage (your spouse’s coverage) and premiums paid.
When seeking care with a medical provider, just show your spouse’s healthcare plan ID card and the MERP ID card after receiving care and the MERP pays for your out-of-pocket cost.*
| * | If the provider doesn’t accept the MERP card, you have to simply pay the cost up front and submit it to Catilize for your tax-free reimbursement. |
* If the provider doesn’t accept the MERP card, you have to simply pay the cost up front and submit it to Catilize for your tax-free reimbursement.
Simply select the MERP plan during your next benefit enrollment window, follow the sign up steps below and enjoy the benefits!
Start by enrolling in your spouse’s healthcare plan. If you have dependents, make sure you all enroll in your spouse’s healthcare plan.
When your own Open Enrollment comes around, select the MERP Plan and waive any other medical plan offered by your employer.
To complete your enrollment, you will have to submit proof of alternate coverage (your spouse’s coverage) and premiums paid.
When seeking care with a medical provider, just show your spouse’s healthcare plan ID card and the MERP ID card after receiving care and the MERP pays for your out-of-pocket cost.*
| * | If the provider doesn’t accept the MERP card, you have to simply pay the cost up front and submit it to Catilize for your tax-free reimbursement. |
If you have any questions, check out our FAQ section below or if you would like to chat to a member of the Catilize team, then get in touch!
It covers all my out of pocket cost. I have been using the MERP program for 2 years now and since going on it I have not had to pay out anything. My husband had shoulder surgery in February and we did not pay a penny for anything. It was great. Occasionally you may have to pick up a copay for a prescription because the pharmacy gets confused but all you have to do is submit for reimbursement.
At first, the program seemed too good to be true. We are so grateful that it really is true! It has saved us thousands of dollars over the past two years. My husband had to have physical therapy not long after we joined the program, so we saw immediate results – the total bill almost met our deductible, less than a month into the new year, and MERP covered every penny.
I have a large family with some significant health issues. We spend a lot of money on healthcare each year. It has been such a relief to have the MERP program cover these extra costs that my husband’s insurance company does not cover! We have received over $600 back in just 4 months’ time! That’s amazing!
The process is simple and easy. If my provider does not file the MERP on my behalf then I just send a copy of my EOB along with the bill for copays or deductibles. The reimbursement is taken care of in a timely manner.
I encourage any employee who is eligible for MERP to take advantage of it. My family was able to get all the care they needed at a local facility and pay nothing out of pocket. It was fantastic! It really gave me peace of mind knowing that we had such great coverage.
If you have any questions, check out our FAQ section below or if you would like to chat to a member of the Catilize team, then get in touch!
If you and/or any member of your family is currently enrolled in your employer’s medical plan, and your spouse has access to coverage through his/her employer’s plan, you may take advantage of the MERP by transitioning to your spouse’s plan.
If you are not enrolled in your employer’s medical plan, you’re not eligible to enroll in the MERP plan.
The plan is also not available if your spouse’s plan is one of the following:
You would also NOT be eligible if your spouse is self-employed because your spouse does not have access to medical coverage through an alternate plan with his/her employer.
If your spouse and/or dependents are currently enrolled in your company’s medical plan, you may all be eligible to participate in the MERP plan, if you and/or your dependents join the medical plan offered by your spouse’s employer.
Covered services are determined by your spouse’s employer plan. The MERP enrollees are reimbursed for all eligible copayments, coinsurance and deductibles incurred under your spouse’s medical plan, up to the maximum out-of-pocket limits established by the Affordable Care Act. Reimbursed claims are not taxable income to the MERP enrollees.
The MERP plan enrollees should show the ID card for their spouse’s plan first. Upon enrollment in the MERP plan, our administrator will send you a welcome letter with a plan ID card. That card may be shown second. Your welcome letter will explain this.
If you pay your provider at the time of service (for example, you pay your office visit copayment), obtain a receipt and send it along with the Explanation of Benefits (EOB) you received to provide documentation of the service and the payment you made. EOBs will be verified for an eligible service and in-network provider. Your documents will then be processed and a reimbursement check will be sent to you from the plan’s administrator.
If you don’t pay at the time of service, send your EOB and the bill from your provider together. Your documents will be verified for an eligible service and in-network provider. They’ll then be processed for payment and a check will be sent to your provider from the plan’s administrator.
Keep in mind that you may get another bill from your provider as your payment is being processed. Processing should take no longer than 30 days from the date our plan administrator receives your documentation.
Reimbursements are processed within 30 days of submission, but typically within two weeks.
If you and/or any member of your family is currently enrolled in your employer’s medical plan, and your spouse has access to coverage through his/her employer’s plan, you may take advantage of the MERP by transitioning to your spouse’s plan.
If you are not enrolled in your employer’s medical plan, you’re not eligible to enroll in the MERP plan.
The plan is also not available if your spouse’s plan is one of the following:
You would also NOT be eligible if your spouse if self-employed because your spouse does not have access to medical coverage through an alternate plan with his/her employer.
If your spouse and/or dependents are currently enrolled in your company’s medical plan, you may all be eligible to participate in the Family Savings Plan, if you and/or your dependents join the medical plan offered by your spouse’s employer.
Covered services are determined by your spouse’s employer plan. The MERP enrollees are reimbursed for all eligible copayments, coinsurance and deductibles incurred using in-network providers under your spouse’s medical plan, up to the maximum out-of-pocket limits established by the Affordable Care Act. Reimbursed claims are not taxable income to the MERP enrollees.
The MERP plan enrollees should show the ID card for their spouse’s plan first. Upon enrollment in the MERP plan, our administrator will send you a welcome letter with a plan ID card. That card may be shown second. Your welcome letter will explain this.
If you pay your provider at the time of service (for example, you pay your office visit copayment), obtain a receipt and send it along with the Explanation of Benefits (EOB) you received to provide documentation of the service and the payment you made. EOBs will be verified for an eligible service and in-network provider. Your documents will then be processed and a reimbursement check will be sent to you from the plan’s administrator.
If you don’t pay at the time of service, send your EOB and the bill from your provider together. Your documents will be verified for an eligible service and in-network provider. They’ll then be processed for payment and a check will be sent to your provider from the plan’s administrator.
Keep in mind that you may get another bill from your provider as your payment is being processed. Processing should take no longer than 30 days from the date our plan administrator receives your documentation.
Reimbursements are processed within 30 days of submission, but typically within two weeks.
1 (877) 872-4232
info@catilizehealth.com
2605 Nicholson Rd. (Suite 1140)
Sewickley, PA 15143
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