Health Benefits Made Simple for Threshold Brands Franchise Owners
Memberly delivers strategic, affordable benefits solutions for Threshold Brands franchisees.
Virtual Urgent and Primary Care for Employees and Their Families
Memberly delivers telemedicine to nearly 1,000 Threshold Brands franchise employees and their dependents.
Group Rate
Threshold Brands franchisees
get access to large group
rates.
$4.60 PEPM
Includes dependents
No Copays or other charges
No Contracts or Minimums
Powered By CirrusMD
CirrusMD serves 10.6 mil users. The small business program is managed by Memberly.
24/7 Licensed Doctors
Connect within 60 Seconds
Unlimited use
Use Text, audio, or video
Remote Care
Employees get urgent and primary care when they need it most.
Urgent Care
Chronic Condition Care
Prescription Management
Women’s & Men’s Health
Download Center
Download brochures and a Quick-Start flyer to share with your employees.
Preventive Care Brochure
Mental Health Brochure
Women’s Health Brochure
Getting Started Flyer
Physician-First Virtual Care within 60 Seconds
No appointments. No waiting rooms. No extra fees. Never a bill.
Threshold Brands franchisees can access CirrusMD virtual care through Memberly, with a 48-hour startup, no contracts, no implementation fees, and no minimum enrollment requirements.
24/7 Access
Licensed in-state physicians are available 24/7 within 60 seconds.
Text, audio, or video
Members start with a text and can move to audio or video.
No claims
Other than the monthly subscription, there are no additional costs to use the program.
Virtual Care That Saves Hundreds per Visit
CirrusMD saves your employees hundreds of dollars with every use—real savings that matter.
An uninsured urgent care visit can cost up to $1,000, and a primary care visit as much as $500. With CirrusMD, employees can access a wide range of urgent and primary care services for themselves and their families—at no cost.
It’s a small investment in your team that makes a major difference in their health and productivity.
Chronic Condition Management and Medication Support
Cholesterol Management – Work with CirrusMD doctors to monitor cholesterol, adjust medications, and receive lifestyle guidance to reduce heart disease risk.
Diabetes Support – CirrusMD doctors help patients control blood sugar levels, adjust medications, and provide nutrition advice.
Asthma Care – Get personalized treatment plans, prescription refills, and symptom management through CirrusMD.
Custom-Branded Member ID Cards and Brochures
Give Your Franchise a Professional, Personalized Benefits Experience for Every Employee.
We’ll take care of producing and shipping custom-branded member ID cards directly to your franchise, ensuring every employee has easy access to their virtual care benefits.
Print Your Employee Brochure
Branded Telemedicine Brochures for Your Franchise
Each Threshold Brands franchise receives a custom-branded brochure highlighting virtual care benefits through CirrusMD. These brochures are designed specifically for your brand —just download, print, and share with employees.
Common Questions
Learn More About Virtual Care Plans
Basics
The cost is $4.60 per employee per month, and this includes the employee's dependents at no additional charge.
No. There are no additional fees beyond the monthly employee rate.
Yes. Dependents can be added at any time by listing them under the employee's name on the census. There is no extra cost for dependents.
CirrusMD is an enterprise solution typically offered to large employers. Memberly manages the small business market through a strategic partnership with CirrusMD.
Getting Started
Employees simply download the CirrusMD app from the Apple App Store or Google Play. They will register using their name, date of birth, and ZIP code as listed on the enrollment census.
New employees are enrolled effective the 1st of the following month after submission.
Memberly will send an invoice by email around the 25th of each month. You can pay using the Bill.com link provided in the email. A Bill.com account is not required to complete the payment.
Making Changes
Memberly will send your current census around the 10th of each month. Please return any updates by the 25th to ensure changes take effect by the 1st of the following month.
Terminated employees indicated on the census are removed effective the last day of the current month.
Support
Contact Memberly first for enrollment or eligibility questions. If further assistance is needed, Memberly will coordinate with CirrusMD support at:
📧 support@cirrusmd.com
Custom Health Plans Designed to Attract and Retain Top Talent
Memberly builds health plan solutions tailored to your franchise.
National Networks
Our plans use national carrier networks your employees know and trust.
Aetna
Cigna
UnitedHealth
Blue Cross Blue Shield
Self-Funded Plans
A self-funded plan gives credit or cash back when employees use less healthcare.
Lower Rates
Unused Funding Returned
No Risk Design
Best for Healthy Teams
Fully Insured Plans
Traditional health coverage powered by leading national insurance networks.
Top National Carriers
Familiar plan structures
Start Anytime of Year
Compare to Self-Funded
Compare Plans
Memberly sources both self-funded and traditional health plan options.
Get Detailed Quotes
Compare Plan Types
Check In-Network Doctors
Compare Networks
Experts in Self-Funded Health Plans
As a Threshold Brands franchisee, partnering with Memberly gives you access to insights most employers never see. Our process provides unmatched transparency into your self-funded health plan—so you know exactly where every dollar is going.
We deliver clear, easy-to-understand analysis on:
✔ Upfront Plan Savings – Compared to fully insured premiums
✔ Recoupable Funds – Additional savings from unused claim dollars
✔ Fixed Costs – Transparent breakdown of administrative and stop-loss expenses
With this level of visibility, you can anticipate costs, fine-tune your funding strategy, and make informed decisions. It’s a smarter, more proactive way to manage employee benefits.
Self-Funded PPO Health Plans: Savings and Trusted Networks
With a self-funded PPO (Preferred Provider Organization) health plan, employees can continue using the same doctors and facilities they know and trust. Transitioning from a traditional fully insured plan to a self-funded PPO plan is seamless, with minimal to no disruption, as the same networks remain in place. Health plans and employees benefit from pre-negotiated rates set by carriers and providers, ensuring cost efficiency and broad access to quality care.
A Memberly designed plan leases the network from major carriers like Blue Cross Blue Shield, UnitedHealthcare, Cigna, and Aetna (BUCAs) to ensure broad access to quality care.
Common Questions
Learn More About Health Plans
Self-Funded Health Plans
In a self-funded plan, a portion of the monthly premium is placed into a claims fund to pay for employee healthcare expenses. If claims are low, any unused funds may be returned to the employer as a credit or refund, making this a potentially cost-saving alternative to fully insured plans.
Memberly sources and designs a plan based on your company’s size, location, and budget. The plan is administered by a third-party administrator (TPA) who manages daily operations, claims processing, and compliance. There’s no extra work required from employees.
Self-funded plans can offer upfront savings of up to 40% compared to fully insured options. Additional savings may be realized if actual claims are lower than expected and surplus funds remain in the claims account.
No. Self-funded plans include stop-loss insurance, which protects the employer against unexpected high-cost claims. Memberly only sources self-funded plans that are integrated with stop-loss coverage to prevent any added liability for the employer.
Yes. Industries with physically active workforces such as construction, manufacturing, field services, logistics, and skilled trades typically have lower healthcare utilization, making them ideal candidates for self-funded health plans.
Fully Insured Plans
Memberly will source a fully insured plan from major national carriers such as Aetna, UnitedHealthcare, Cigna, and others, tailoring options to meet your company’s needs.
Yes. Most carrier plans require a minimum of 2 full-time employees.
Yes. New employees may enroll during their initial eligibility window set by the employer. If they miss that window, they’ll have to wait until the next open enrollment period, unless they experience a qualifying life event.
MEC plans are affordable way to start offering benefits to your team.
Access to essential care doctor visits, urgent care, labs, and specialists.
Preventive Care
MEC plans cover ACA-required preventive services at no cost to employees.
Screenings
Vaccinations
Wellness check-ups
Contraceptives
Everyday Care
MEC plans provide everyday careat an affordable cost with no deductible.
Primary Care Visits
Specialists Visits
Urgent Care Visits
Labs and Imaging
Self-Funded MEC
Only pay for the care employees use – at a discounted, pre-negotiated rate.
Flat Monthly Admin fee
$50 PEPM
Same Rate for Families
Pay Claims as Incurred
Fully Insured MEC
All-inclusive premiums that cover preventive care and
all claims.
All costs included
Employee Copay only
No claims to pay
As low as $125 PEPM
Self-Funded MEC PLANS: Zero Waste
Maximizing Healthcare Dollars with Self-Funded MEC Plans
Self-funded MEC plans offer a zero-waste approach to healthcare by ensuring that every dollar aside from the flat monthly administrative fee goes directly toward paying employee claims.
Unlike traditional plans with high premiums and deductibles, self-funded MEC eliminates wasteful spending and provides immediate financial benefits to employees, as there are no deductibles to meet before coverage kicks in.
Self-funded MEC Financial Highlights
No payments to insurance carriers – Employers pay only for the care their employees use, eliminating traditional insurance premiums.
No deductible – Employees benefit immediately from covered services without the need to meet a high out-of-pocket threshold.
Sample MEC Plan Design
Customizing MEC for Your Workforce
Our self-funded MEC plans are tailored to meet the unique needs of your franchise and team. Below is a sample plan design highlighting commonly covered services included in the program.
Prescriptions
Copay: $10
Generic medications are provided with a $10 co-pay. The cost of generic preventive medications may be less if required by ACA.
Preventive Care
Copay: $0
The plan is ACA compliant which requires preventive care to be available at no cost.
Urgent Care
Copay: $50
Employees can visit an in-network urgent care center up to two times per year.
Doctor Visits
Copay: $30
Employees can visit an in-network primary care physician or specialist up to three times per year.
Labs
Copay: $30
Lab work can be performed at an in-network location up to two times per year.
Radiology
Copay: $30
X-rays and radiology can be performed at an in-network location up to two times per year.
Common Questions
Learn More About MEC Plans
MEC Basics
A Minimum Essential Coverage (MEC) plan is a type of health plan designed to meet the basic coverage requirements set by the Affordable Care Act (ACA). It ensures that employers meet ACA compliance standards—specifically avoiding Penalty A by providing access to essential preventive services. MEC plans are typically low-cost options that cover routine and preventive care, but do not include hospitalization or major medical coverage.
MEC plans do not cover:
• Hospital stays
• Surgeries
• Emergency room visits
• Prescription drugs (unless added separately)
• Mental health or substance abuse treatment
They are not designed to function as full medical insurance, but rather to meet ACA requirements in an affordable manner.
Self-Funded MEC Plan Overview
In a self-funded Minimum Essential Coverage (MEC) plan, the employer pays for eligible claims and administrative fees rather than purchasing coverage from an insurance carrier. This model removes carrier profit margins and can significantly reduce costs compared to fully insured MEC plans, while still satisfying ACA requirements for preventive care.
No. Stop-loss insurance is typically used in major medical self-funded plans to cap catastrophic exposure. Since MEC plans only cover preventive and routine outpatient services, the risk is minimal, and stop-loss is generally not needed.
The PHCS Physician and Ancillary Only network provides access to:
Fully Insured MEC Plan Overview
A fully insured MEC plan provides:
Yes. Employers offering a fully insured MEC plan must:
•Provide Form 1095-C to all covered employees
•File the necessary ACA documentation with the IRS to confirm compliance
Support
Contact Memberly first for enrollment or eligibility questions. If further assistance is needed, Memberly will coordinate with CirrusMD support at:
📧 support@cirrusmd.com
MECshare utilizes a HealthShare program to cover hospitals.
MECshare combines essential coverage with a HealthShare to function like a comprehensive health plan.
MEC for Preventive
The MEC side of the plan covers preventive services under ACA with no deductible.
Screenings
Vaccinations
Wellness check-ups
Contraceptives
MEC for Doctors
The MEC side also covers doctors with just a copay – no deductible to meet.
Primary Care Visits
Specialists Visits
Urgent Care Visits
Labs and Imaging
HealthShare for Hospitals
The HealthShare side of the plan helps cover hospital stays and major illnesses.
Hospital Bills
Major Illness
Surgeries
Accidents and Injuries
HealthShare Deductible
Initial unshareable amount, (IUA) = amount a member pays before a is eligible for sharing.
IUA Options:
$1,000 3 x per year
$2,500 3 x per year
$5,000 3 x per year
MECshare
Minimal Essential Coverage + Health Share
MECshare combined MEC and Health Share solution offers essential preventive care coverage alongside cost-sharing for larger, unexpected medical expenses.
This hybrid model meets ACA compliance through MEC while leveraging the affordability and flexibility of Health Share programs. It’s an ideal option for employers seeking to reduce costs without sacrificing employee access to meaningful healthcare.
MEC
- ACA Compliant
- No co-insurance
- Start Anytime
Minimum Essential Coverage (MEC)
For Everyday Care
Your employees get access to routine and preventive care – the foundation of staying healthy and productive. MEC Part A covers:
- Annual wellness visits and immunizations
- Screenings and preventive diagnostics
- Access to primary care networks
- ACA-compliant benefits at a fraction of major medical costs
This ensures your plan meets federal requirements while providing peace of mind for employees needing everyday care.
Share
- No Questionaires
- Combined with MEC
- No Mandates
Health Share
Protection for Hospital Events and More
When serious or unexpected medical events arise, Health Share steps in. Employees receive financial protection for larger healthcare needs, such as:
- Hospitalization
- Surgery and emergency care
- High-cost diagnostics and procedures
- Specialty care support
Health Share offers a community-based model that shares the cost of large medical expenses without the high premiums of traditional insurance.
Common Questions
Learn More About MECshare Plans
HealthShare Basics
A Health Sharing Plan is an alternative to traditional health insurance. Instead of paying premiums to an insurance company, members contribute a fixed monthly amount that is pooled to help cover each other’s eligible medical expenses. These arrangements operate on a non-profit, community-based model.
Each household is responsible for a maximum of three IUAs in any rolling 12-month period. After the third IUA, additional sharing requests over $500 are fully sharable without additional out-of-pocket responsibility.
An IUA remains active for a condition until 12 months have passed without treatment. After that, the request is considered closed.
There are no annual or lifetime sharing maximums, but certain medical conditions or services may be subject to limitations or exclusions
Members are responsible for medical expenses below their IUA. Medical advocacy services are available to help locate fair-cost providers.
To protect members from excessive financial burden, only the first three IUAs per household per year are required. After that, new sharing requests over $500 are fully eligible for sharing.
Typically, no not in the same way traditional insurance does. However, some Health Share programs offer limited preventive benefits like wellness screenings or vaccinations at discounted rates.
Most Health Share plans do not use fixed provider networks. Members typically have freedom to choose providers, though some programs may require pre-approval for large expenses.
Yes, emergency services are generally eligible for sharing, though they may require pre-authorization and could be subject to the IUA and other program rules.
MECshare Overview
MECshare is a hybrid health solution that combines a Minimum Essential Coverage (MEC) plan with a Health Share program. This approach allows employers to meet ACA compliance while also offering coverage for major medical needs.
