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    • Welcome to Blue Cross Blue Shield of Massachusetts!
    • Employer Portal
    • Plans and Products
      • Medical Plans
        • Plan Types
          • HMO
          • PPO
          • BlueFit
          • POS
          • Medicare Options
          • Indemnity Plans
          • Open Access
        • Plan Features
          • Blue Select
          • Consumer Directed Health Plans
          • Healthy Actions
          • Tiered Network / Blue Options
          • Pharmacy Benefit Features
      • Dental Blue®
        • Plans and Networks
        • Dental Total Health
        • Accumulated Maximum Rollover Benefit
        • Dental Blue Voluntary Community Rated
      • Municipal Blue
        • Why Choose Blue
        • Products
        • Lowering Costs
      • Pharmacy Coverage
      • Vision Coverage
      • Life, Disability & Specialty Insurance
    • Manage Your Account
      • Enrollment
      • Online Billing
      • BlueInsights
      • Employer Engagement Tools
    • Forms & Documents
      • Administrative Forms
      • Marketing Materials
      • Medical Policies
    • Member Tools & Resources
      • Cost Management Tools
      • Plan Management Resources
      • Health Management Resources
      • Flu Information and Resources
      • Provider Selection Tools
      • Support Tools
      • Value Added Programs
    • What's New
      • Plan Updates
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      • Employer Newsletter - IAI
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  • Plans and Products
    • Medical Plans
      • Plan Types
        • HMO
        • PPO
        • BlueFit
        • POS
        • Medicare Options
        • Indemnity Plans
        • Open Access
      • Plan Features
        • Blue Select
        • Consumer Directed Health Plans
        • Healthy Actions
        • Tiered Network / Blue Options
        • Pharmacy Benefit Features
    • Dental Blue®
      • Plans and Networks
      • Dental Total Health
      • Accumulated Maximum Rollover Benefit
      • Dental Blue Voluntary Community Rated
    • Municipal Blue
      • Why Choose Blue
      • Products
      • Lowering Costs
    • Pharmacy Coverage
    • Vision Coverage
    • Life, Disability & Specialty Insurance
  • Manage Your Account
    • Enrollment
    • Online Billing
    • BlueInsights
    • Employer Engagement Tools
  • Forms & Documents
    • Administrative Forms
    • Marketing Materials
    • Medical Policies
  • Member Tools & Resources
    • Cost Management Tools
    • Plan Management Resources
    • Health Management Resources
    • Flu Information and Resources
    • Provider Selection Tools
    • Support Tools
    • Value Added Programs
  • What's New
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    • Employer Newsletter - IAI
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Medical Plan Features

Consumer-Directed Health Plans

Consumer-directed health plans combine high-deductible medical insurance with financial accounts designed to encourage responsible health care purchasing by your employees. This approach gives you a powerful and sustainable solution to rising costs.

Employees enrolled in consumer-directed health plans are more likely to participate in wellness programs and to research health information, which may result in a healthier workforce for your company. Over the long term, that can translate into lower health care costs for you and employees. With more than 70 years of experience providing health care coverage, Blue Cross Blue Shield of Massachusetts provides the knowledge, broad product selection, and support to ensure that your consumer-directed health plan solution is successful.

 Compare Medical Plans

Health Savings Account (HSA)

Health Reimbursement Arrangement (HRA)

Flexible Spending Account (FSA)

CDHP—Simplified

Benefits for You

Benefits For Your Business and Your Employees

  • Offers lower premiums
  • Employees are empowered to make smarter health decisions with proactive health management tools, which may result in a healthier workforce
  • Financial accounts offer tax savings
  • Contributions to FSAs and HSAs are pre-tax for employees and generally not subject to employment taxes for FICA for employers
  • Disbursements from HRAs are tax-free for employees and are deductible for employers as a business expense
  • HSA deposits are tax-free
  • Members have a tangible incentive to get and stay healthy
  • Members gain greater control over their out-of-pocket costs
  • Low-cost access to preventive care can help prevent the development of serious conditions
Flexible Health Plan Options

We offer a wide range deductible-based health plans, including plans that are Health Savings Account-compliant, so you can choose the one that's right for your company. All of our health plans include the necessary preventive care, such as annual physicals and associated tests, to keep your employees healthy and productive. With so many options, you're sure to find a plan that meets your needs. Options for plan features include:

  • Traditional and open-access Health Maintenance Organizations, or Preferred Provider Organization plans
  • Massachusetts, New England, or national networks
  • A range of price points and benefit levels
  • Different levels of pharmacy benefits

Download our financial account and medical plan pairing guidelines.

Want to get a quote?

  • Contact your broker or call our sales team at 1-800-422-3545.
  • Employer groups of fewer than 10 employees can request a quote online.
Financial Accounts: HSAs, HRAs, and FSAs

Financial Accounts are a core piece of account-based health plans. These accounts financially engage employees as they make decisions about their health care and how to spend their health care dollars. Employees can use their financial accounts to offset costs and plan for future health care needs.

Health Savings Accounts (HSAs)

  • Similar to a 401k, an HSA can be funded by both employer and employee. Employees own the accounts and funds can be saved and invested for future years.
  • Federal rules restrict plan design options.

Health Reimbursement Arrangements (HRAs)

  • Funds are owned by and contributed by the employer. The employer sets rollover and usage guidelines. Employers also have cash flow flexibility when funding the accounts.
  • Flexible plan design options.
  • To help make your medical plan most effective, we limit the amount you can contribute to the financial account to 50 percent of the deductible or less.

Flexible Spending Accounts (FSAs)

  • Can be funded by the employer and/or employee and offer employees a pre-tax benefit for health care, related transportation, or dependent care expenses. Funds must be used by year-end and employees can't take funds with them when they leave the company.
  • Can be combined with an HRA and, in limited cases, with an HSA.
  • Can be offered with any plan design, including non-deductible plans.

What type of financial account is right for your organization?

Download a list of our financial account options.

Account Administrators

Flexibility in Account Administration
We partner with the most well respected and recognized account administrators in the industry. Through these partnerships, we exchange eligibility, incentive, and claims information to simplify the management of accounts. Whether you're looking for a fully integrated solution, or want to keep your current administrator, you have the flexibility to choose the right solution to meet your business needs.

Account Administrator Information

Overview of Strategic Partners - Gives an overview of our full suite of vendors.

Want to get a quote?

  • Contact your broker or call our sales team at 1-800-422-3545.
  • Employer groups of fewer than 10 employees can request a quote online.

 

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Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association. ® Registered Marks of the Blue Cross and Blue Shield Association. ® ´, ® ´ ´, SM, TM Registered, Service, and Trade Marks are the property of their respective owners. ©   Blue Cross and Blue Shield of Massachusetts, Inc., or Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.

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ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia con el idioma. Llame al número de Servicio al Cliente que figura en su tarjeta de identificación llamada 1-800-200-4255 (TTY: 711 ).

ATENÇÃO: Se fala português, são-lhe disponibilizados gratuitamente serviços de assistência de idiomas. Telefone para os Serviços aos Membros, através do número no seu cartão ID chamar  1-800-200-4255 (TTY: 711 ).

ATTENTION : si vous parlez français, des services d’assistance linguistique sont disponibles gratuitement. Appelez le Service adhérents au numéro indiqué sur votre carte d’assuré appel 1-800-200-4255  (TTY : 711 ).

注意:如果您讲中文,我们可向您免费提供语言协助服务。请拨打您 ID  卡上的号码联系会员服务部 通话 1-800-200-4255(TTY  号码:711 )。

ATANSYON: Si ou pale kreyòl ayisyen, sèvis asistans nan lang disponib pou ou gratis. Rele nimewo Sèvis Manm nan ki sou kat Idantitifkasyon w lan (Sèvis pou Malantandan Rele 1-800-200-4255 TTY: 711 ).

LƯU .: Nếu quý vị n.i Tiếng Việt, c.c dịch vụ hỗ trợ ng.n ngữ được cung cấp cho quý vị miễn ph.. Gọi cho Dịch vụ Hội vi.n theo số tr.n thẻ ID của quý vị Cuộc gọi 1-800-200-4255 (TTY: 711 ).

ВНИМАНИЕ: если Вы говорите по-русски, Вы можете воспользоваться бесплатными услугами переводчика. Позвоните в отдел обслуживания клиентов по номеру, указанному в Вашей идентификационной карте вызов  1-800-200-4255 (телетайп: 711 ).

ការជូនដំណឹង៖ ប្រសិនប. ើអ្នកនិយាយភាសា ខ្មែរ សេ  វាជំនួយភាសាឥតគិតថ្លៃ គឺអាចរកបានសម្  រាប ់អ្នក។ សូមទូរស័ព្ទទ ៅផ ្នែ កសេ  វាសមា  ជិកតាមល េខន  ៅល.  ើប ័ណ្ណ សម្  គាល ់ខ្លួ ខ្លួ នរប ស់អ្នក ហៅ  1-800-200-4255 (TTY: 711) ។

ATTENZIONE: se parlate italiano, sono disponibili per voi servizi gratuiti di assistenza linguistica. Chiamate il Servizio per i membri al numero riportato sulla vostra scheda identificativa chiamata  1-800-200-4255 (TTY: 711 ).

참고 : 한국어를 사용하는 경우 언어 지원 서비스를 무료로 사용할 수 있습니다. 신분증에있는 전화 번호 1-800-200-4255 (TTY : 711)로 회원 서비스에 연락하십시오.

ΠΡΟΣΟΧΗ: Εάν μιλάτε Ελληνικά, διατίθενται για σας υπηρεσίες γλωσσικής βοήθειας, δωρεάν. Καλέστε την Υπηρεσία Εξυπηρέτησης Μελών στον αριθμό της κάρτας μέλους σας (ID Card) κλήση 1-800-200-4255 (TTY: 711 ).

UWAGA: Osoby posługujące się językiem polskim mogą bezpłatnie skorzystać z pomocy językowej. Należy zadzwonić do Działu obsługi ubezpieczonych pod numer podany na identyfikatorze zadzwoń 1-800-200-4255 (TTY: 711 ).

ध्यान दें: य दि  आप ह िन् दी बोलते ह ैं, तो भा षा  सहाय  ता  सेवा एँ, आप के लि ए नि :शुल्क  उपलब्ध ह ैं। सदस्य  सेवा ओं को आपके आई.डी. कार  ्ड पर दि ए गए नंबर पर कॉल करें  कॉल 1-800-200-4255 ( टी .टी .वा ई.: 711).

ધ્યાન આપો:  જો તમે ગુજરા તી બોલતા  હો, તો તમને ભા ષા કીય  સહાય  તા  સેવા ઓ વિ ના  મૂલ્યે  ઉપલબ્ધ છે. તમા રા  આઈડી કાર  ્ડ પર આપેલા  નંબર પર Member Service  ને કૉલ કરો કૉલ કરો 1-800-200-4255 (TTY: 711).

PAUNAWA: Kung nagsasalita ka ng wikang Tagalog, mayroon kang magagamit na mga libreng serbisyo para sa tulong sa wika. Tawagan ang Mga Serbisyo sa Miyembro sa numerong nasa iyong ID Card tumawag 1-800-200-4255 (TTY: 711 ).

お知らせ:日本語をお話しになる方は無料の言語アシスタンスサービスをご利用いただけます。ID カードに記載の電話番号を使用してメンバーサービスまでお電話ください 呼び出す 1-800-200-4255(TTY: 711 )。

ACHTUNG: Wenn Sie Deutsche sprechen, steht Ihnen kostenlos fremdsprachliche Unterstützung zur Verfügung. Rufen Sie den Mitgliederdienst unter der Nummer auf Ihrer ID-Karte an Anrufen 1-800-200-4255 (TTY: 711 ).

ATTENTION: If you speak a language other than English, language assistance services are available to you free of charge. Call 1-800-200-4255 (TTY: 711).

ຂໍ້ຄວນໃສ່ໃຈ: ຖ້າເຈົ້າເວົ້າພາສາລາວໄດ້, ມີການບໍລິການຊ່ວຍເຫຼືອດ້ານພາສາໃຫ້ທ່ານໂດຍບໍ່ເສຍຄ່າ. ໂທ ຫາ ຝ່າຍບໍລິການສະ ມາ ຊິກທີ່ໝາຍເລກໂທລະສັບຢູ່ໃນບັດຂອງທ່ານ ໂທ 1-800-200-4255 (TTY: 711).

BAA !KOHWIINDZIN DOO&G&: Din4 k’ehj7 y1n7[t’i’go saad bee y1t’i’ 47 t’11j77k’e bee n7k1’a’doowo[go 47 n1’ahoot’i’. D77 bee an7tah7g7 ninaaltsoos bine’d44’ n0omba bik1’7g7ij8’ b44sh bee hod77lnih call 1-800-200-4255 (TTY: 711).