Benefit summaries for our health insurance plans and products

We have a variety of low cost plan designs with flexible benefit options so that you can find the best health insurance plan for your company's needs and budget. And a choice of networks means an even better fit for your employees!

About our networks

  • Select Care network - an extensive network of doctors and community-based hospitals throughout Massachusetts.
  • Direct Care limited provider network - a subset of the Select Care network, this network offers members more coordinated, cost-efficient care at a lower premium than plans using the Select Care network.
  • Tiered Choice - a tiered network in which providers are tiered based on how they manage total costs. Your costs for care depend on which tier your provider is in.
  • Preferred Care network (our PPO network) - includes regional and national health care providers.

Effective date 4/1/2012

Premium Saver: affordable options that include inpatient copayments at premium savings
Direct Care network Select Care network Preferred Care network
Premium Saver I Premium Saver I Premium Saver
Premium Saver II Premium Saver II Premium Saver II
Premium Saver Value I Premium Saver Value I Premium Saver Value I
Premium Saver Basic I Premium Saver Basic I Premium Saver Basic I
Premium Saver Basic II Premium Saver Basic II Premium Saver Basic II
Premium Saver 65/35  Premium Saver 65/35

Deductible options: plan designs that provide even greater premium savings by offering deductibles for inpatient services and diagnostic testing
Direct Care network Select Care network Preferred Care network
Premium Saver 500 Premium Saver 500 Premium Saver 500
Premium Saver 1000 Premium Saver 1000 Premium Saver 1000
Premium Saver 1000 Classic Premium Saver 1000 Classic Premium Saver 1000 Classic
Premium Saver 1500 Premium Saver 1500 Premium Saver 1500
Premium Saver 1500 Classic Premium Saver 1500 Classic Premium Saver 1500 Classic
Premium Saver 2000 Classic Premium Saver 2000 Classic Premium Saver 2000 Classic
Premium Saver 2000/500 I Premium Saver 2000/500 I  Premium Saver 2000/500 I
Premium Saver 2000/500 II Premium Saver 2000/500 II Premium Saver 2000/500 II
Premium Saver 3000 with Rx  Premium Saver 3000 with Rx Premium Saver 3000 with Rx

Care Choice: qualified high deductible plans that may be partnered with a Health Savings Account (HSA)
Direct Care network Select Care network Preferred Care network
Care Choice 1250 Care Choice 1250 Care Choice 1250
Care Choice 2000 Care Choice 2000 Care Choice 2000

 

Effective date 1/1/2012

Premium Saver: affordable options that include inpatient copayments at premium savings
Direct Care network Select Care network Preferred Care network
Premium Saver I Premium Saver I Premium Saver
Premium Saver II Premium Saver II
Premium Saver Value I Premium Saver Value I Premium Saver Value I
Premium Saver Basic I Premium Saver Basic I Premium Saver Basic I
Premium Saver Basic II Premium Saver Basic II Premium Saver Basic II
Premium Saver 65/35 Premium Saver 65/35

Deductible options: plan designs that provide even greater premium savings by offering deductibles for inpatient services and diagnostic testing
Direct Care network Select Care network Preferred Care network
Premium Saver 500 Premium Saver 500 Premium Saver 500
Premium Saver 1000 Premium Saver 1000 Premium Saver 1000
Premium Saver 1500 Premium Saver 1500 Premium Saver 1500
Premium Saver 1500 Classic Premium Saver 1500 Classic Premium Saver 1500 Classic
Premium Saver 2000 Classic Premium Saver 2000 Classic Premium Saver 2000 Classic
Premium Saver 2000/500 I Premium Saver 2000/500 I Premium Saver 2000/500
Premium Saver 2000/500 II Premium Saver 2000/500 II
Premium Saver 3000 without Rx Premium Saver 3000 without Rx Premium Saver 3000 without Rx
Premium Saver 3000 with Rx Premium Saver 3000 with Rx Premium Saver 3000 with Rx

Care Choice: qualified high deductible plans that may be partnered with a Health Savings Account (HSA)
Direct Care network Select Care network Preferred Care network
Care Choice 1250 Care Choice 1250 Care Choice 1250
Care Choice 2000 Care Choice 2000 Care Choice 2000

 

FCHP Direct Care is a plan with a limited provider network. This plan provides access to a network that is smaller than FCHP Select Care. In this plan, members have access to network benefits only from the providers in FCHP Direct Care. Please visit our Find a Doctor tool or consult the FCHP Direct Care provider directory to determine which providers are included in FCHP Direct Care. A paper copy can be requested by calling our Customer Service Department at 1-800-868-5200.