Human Resources

Medical Plan Options

WHOI offers three (3) different medical plans which are offered through Blue Cross Blue Shield of Massachusetts (BCBSMA):

Blue Care Elect Deductible - A high deductible medical plan with a Health Reimbursement Account (HRA).  For more information on this plan, click here.

Blue Care Elect Saver - A high deductible medical plan with a Health Savings Account (HSA).  For more information on this plan, click here.  Please note if you are enrolled in Medicare, you cannot choose this medical plan.

Advantage Blue - A low deductible medical plan.  For more information on this plan, click here.
 
Although the medical plans are similar in many ways, each plan has unique differences and should be reviewed carefully by employees before making a medical plan election.


The following will illustrate those characteristics that are in common between the three medical plans: 

  • Use the same national PPO provider network
  • Do not require a Primary Care Physician
  • Do not require referrals to Specialists (self-referrals)

The following will hightlight some of the major differences between the medical plans:

  • The annual deductible is different under each plan
  • The annual deductible has no individual cap on the Blue Care Elect Saver (with HSA) plan
  • Services subject to the deductible are different between each plan
  • The Advantage Blue plan does not allow for out-of-network coverage, unless for emergency services
  • Rx prescription copayments vary between plans


For a side-by-side comparison of covered services and out-of-pocket costs under the three medical plans, see the Medical Plan Comparison.

Last updated: September 16, 2016