Companies which do not have a panel of contracted clinics usually allow their employees to seek treatments from any clinics of their choice. Employees have to seek reimbursement from their companies by submitting their receipts. 

Larger companies which opted for such scheme usually impose a Co-payment features or cap a limit for each consultation for cash reimbursements.

These companies may be able to control some cost by putting a cap to the amount which can be reimbursed but the employees are at risk of being over charged by the providers and have to bear the entire amount which exceeded the limit set by the employers. 

This type of arrangement is not effective in cost control since it involves vast amount of admin works in cash reimbursements. There is also no prior negotiation on charges with the doctors who provide the services. 

However companies which allow employees to have a free choice of doctors to visit can manage the amount of admin works and reduce the cost of administration in the reimbursement process by using the MHC Web based system. 

The MHC Web Based System allows employees to submit their claims online through individual password log in. This self help method helps to eliminate the data entry processes involved in reimbursement of claims. 

Alternatively companies can opt to engage MHC as the Third Party Administrator to key in the claims made by the individual employees.


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