Health Maintenance Organization (HMO)
The health maintenance organization (HMO) provides all medical services through an extensive network of providers and hospitals in all six New England states. When you need medical treatment, you see your physician in the privacy of his or her office.
High Deductible Health Plan (HDHP) with Health Reimbursement Account (HRA)
New medical plan effective January 1, 2010.
The High Deductible Health Plan (HDHP) provides both in-network and out-of-network benefits.
This plan is part of the BCBS preferred provider organization (PPO) which replaced the traditional PPO plan for in-state employees. The traditional PPO plan is still available, but only to out-of-state employees residing outside of Massachusetts.
Access Blue is a hybrid of the HMO and PPO plans. It is very much like the HMO except that one does not need a referral to any specialist in the network. The service area is limited to Massachusetts.
Preferred Provider Organization (PPO) (for out-of-state employees only)
Effective January 1, 2010, the PPO plan is only available to those employees who reside outside of Massachusetts. Out-of-state employees may also choose to enroll in the new High Deductible Health Plan (HDHP) which is also a PPO plan.
The Preferred Provider Organization (PPO) plan provides both in-network and out-of-network benefits.
If You Are Traveling
If you join any group medical plan and need medical services while traveling outside its enrollment area, you are still covered. Hospital emergency treatment due to a life-threatening situation or the sudden onset of an illness is covered. You should notify Blue Cross within 48 hours of your treatment.