I run a small business outside NYC, and my wife is my partner. We were faced with a couple of issues: 1- My wife and I find ourselves working the business pretty much 100% of the time, so things we thought were simple became quite daunting, like collecting our benefits. Typically this task fell to the bottom of our to-do list. 2- We demand a lot of our employees, most have young families, and we don't have an HR group that can assist them with their benefits. Any perk we can offer them we want to explore. The MCL promise was one we felt would compliment our health benefits offering and would actually put more cash into our employee's pockets, which it has done. The feedback from our employees has been very positive. I have heard from more than one that they have received money that they had previously written off.
In addition my wife and I are extremely pleased with the service for our family. They recovered money for dental work for our kids that we had no idea was covered, fought to get my physical therapy covered, and have also worked to get reimbursed for my wife's homeopathic doctor (and with Oxford, that is no small feat). I think MCL is a truly amazing service – well-conceived and seamlessly executed. I highly recommend it. It is one of those businesses, that when I heard about it, I wished I had thought of it.
– Jason, Bedford, NY