Medical Plan Types

BlueFit Plans

HMO | PPO |  POS | Medicare Options |  Indemnity |  Open Access

BlueFit is a comprehensive health plan that not only gives members the ability to lower annual costs, but actually helps them increase Health Savings Account (HSA) savings over time, avoid cost surprises, and invest in their future health care.

It’s a smart fit because it drives engagement, helps subscribers become better consumers of healthcare, and reduces costs — all by using prompts, nudges, incentives and technology to create proactive, ongoing engagement from day one.

ALL-IN-ONE BENEFITS
Medical, mental health, pharmacy, wellness, dental offerings, plus critical illness and accident coverage
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BUILT-IN HEALTH SAVINGS ACCOUNT
Automatically insulates against unexpected costs
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DAY-ONE ENGAGEMENT
Powerful incentives & guidance via MyBlue and Team Blue

Plan Information

Medical + Pharmacy

  • BlueFit HMO Access Blue New England Saver
  • BlueFit Preferred Blue PPO Saver
  • Comprehensive pharmacy benefits with online and retail pharmacy benefits with respective discounts

Health Savings Account (HSA) managed by HealthEquity

  • Earned incentive & reward dollars are auto deposited to the HSA
  • Employers required to contribute 10% (or more) of the plan deductible to the subscriber’s HSA

Day One Engagement powered by behavioral economics
Over 85% of BlueFit subscribers have earned rewards. That's because from day one, BlueFit will keep your employees engaged with a year-long sequence of financial and motivational incentives. This includes an employer contribution to the HSA of at least 10% of the deductible. It’s a plan designed to reach employees’ lives and draw them into their benefits to improve behaviors while lowering annual costs.


BlueFit includes a unique incentive program that meaningfully offsets deductibles and increases the likelihood of member engagement with healthy behavior and digital engagement.

  • Subscribers can earn up to $600 in incentives, funded by Blue Cross Blue Shield of Massachusetts, that will be automatically deposited to their HSA.
    • $100 – three easy steps: provide contact information, opt in to receive plan documents digitally, and authenticate a subscriber MyBlue account
    • $100 Financial wellness
      • $50 to register for HealthEquity and use the HSA Plan Optimizer tool
      • $50 for personally contributing at least $1 into their HSA
    • $100/quarter – ahealthyme Rewards program to encourage healthy habits for a total of $400/year

Intuitive programs and benefits that are always accessible

  • Accident and critical illness coverage included, underwritten and administered by USAble LifeSM
    • If an employee, spouse or covered dependent receives a critical illness diagnosis or has an accident, BlueFit’s supplemental coverage switches on automatically, and pays directly to them. No claims to file, no paperwork.
  • Fitness & weight loss reimbursements
    • Increased reimbursement rates of $300 for fitness and $300 for weight loss
  • Dental care offerings
    • Subscribers can order at no cost:
      • One adult Sonicare Bluetooth®"-enabled toothbrush and one toothbrush per child for children ages 5-12
      • One Sonicare Cordless Power Flosser for convenient, effective flossing