Human Resources

Health Insurance

2016 Medical Plans

New Medical Plan Offerings for 2016


For 2016, the Institution plan options have not changed.


Plan 1: High Deductible Health Plan with Health Reimbursement Account (HDHP-HRA):

  • BCBS Plan Name: Blue Care Elect Deductible
  • Existing plan since 2010
  • National PPO network
  • In-network and out-of-network coverage
  • No Primary Care Physician or referrals required
  • Annual Deductible: $2,000 for individual coverage, $4,000 for employee plus coverage*
  • WHOI will fund the first 50% of the deductible through the HRA
  • Employees can continue to participate in the traditional Healthcare Flexible Spending Account (Health FSA) plan


Plan 2: High Deductible Health Plan with Health Savings Account (HDHP-HSA):

  • BCBS Plan Name: Blue Care Elect Saver
  • National PPO network
  • In-network and out-of-network coverage
  • No Primary Care Physician or referrals required
  • Annual Deductible: $1,500 for individual, $3,000 for employee plus coverage*
  • WHOI will contribute 50% of the deductible into the HSA. It is still yet to be determined the frequency of when the employer contributions will be funded to the employee’s HSA account (e.g., annual, semi-annual, quarterly, monthly).
  • Employees will also be able to contribute to the pre-tax HSA account
  • 2016 Annual HSA Contribution Limits (employer and employee combined): $3,350 for individual coverage, $6,650 for employee plus coverage
  • Employees can participate in the new 'limited purpose' Health FSA plan


Plan 3: Low Deductible Health Plan:

  • BCBS Plan Name: Advantage Blue
  • National PPO network
  • In-network coverage only
  • No Primary Care Physician or referrals required
  • Annual Deductible: $500 for individual, $1,000 for employee plus coverage*
  • Employees can continue to participate in the traditional Health FSA plan

*employee plus coverage includes: employee + spouse, employee + child(ren), and family coverage.

Last updated: February 4, 2016