Medical Plans

Plan Types

HMO Plans
HMO plans offers a range of coverage levels and access to a statewide or New England network to meet your client needs.

PPO Plans
With our PPO plans, members get access to the Blue Cross Blue Shield national network with no referrals for a flexible coverage solution.

BlueFit Plans
BlueFit plans are comprehensive health plans that not only give members the ability to lower annual costs, but actually help them increase Health Savings Account (HSA) savings over time, avoid cost surprises, and invest in their future health care.

POS Plans
Our POS plans combine the benefits of an HMO with the ability for members to self refer for care at higher costs. Blue Choice plans offer access to statewide or New England provider networks.

Medicare Options
Blue Cross Blue Shield of Massachusetts has been meeting the needs of people with Medicare since 1966. We offer a variety of group Medicare coverage and supplemental coverage options.

Indemnity Plans
Indemnity plans deliver the maximum freedom of choice to obtain medically necessary services to diagnose or treat a condition.

Open Access Plans
These plans give members the ability to self-refer within the network, with higher employee cost sharing for specialist services.

Plan Features

Consumer Directed Health Plans
Our Consumer Choice Blue consumer-directed health plans (CDHPs) offer your clients an innovative solution for managing health care costs and engaging employees by strategically combining deductibles and Personal Spending Accounts.

Tiered Network / Blue Options
These PPO or HMO plans feature tiered provider networks that encourage members to consider cost and quality when choosing providers through cost-sharing.

Blue Select
These HMO and PPO plans feature a limited network of lower-cost doctors and hospitals that meet our standards, while creating cost savings for employers.

Healthy Actions
Healthy Actions is a unique wellness program available to employers with 1-99 employees. This program rewards employees for being and getting healthy. And based on their employees' success and participation rates, employers get rewarded with up to 5 percent of their premium.

Pharmacy Benefit Features
The pharmacy benefit includes several options that drive value and affordability for members who are taking medications used to treat certain chronic conditions.