Medical & Prescription Drug Coverage

Our Benefits4Me program offers a range of medical options, so you can choose the plan that’s best for you. All employees have access to three plans administered by Blue Cross Blue Shield of Massachusetts (BCBSMA).

  • Core
  • Buy-Up
  • Consumer Choice Plan with Health Savings Account (HSA)

If you’re in California, you also have access to a Kaiser HMO.

The Core, Buy-Up, and Consumer Choice Plans include prescription drug benefits through Express Scripts. Kaiser HMO participants receive prescription drug benefits through Kaiser.

Check out the Comparing Coverage tab to learn more about the differences among the plans.

Did you know?

There are some easy ways to save money on healthcare.

Use in-network providers. These providers have agreed to negotiated rates for services and supplies. And, if you live in California and enroll in the Kaiser HMO, you are required to use in-network providers for non-emergency care.

To find BCBSMA in-network providers, contact Included Health at 1-833-938-9948 or:

  • Search for a provider yourself at this BCBSMA website: myfindadoctor.bluecrossma.com/?ci=Benefits4Me
  • Click “Select your network to continue (not logged in)” then select “PPO or EPO”
  • If you live in any of the following locations, choose the specific local network listed below before starting your search:
    • PPO New Hampshire
    • PPO Missouri/Kansas City
    • PPO Missouri/St. Louis
    • PPO Wisconsin

If you live in California and enroll in the Kaiser HMO, you are required to use in-network providers for non-emergency care.

To find Kaiser in-network providers, contact Kaiser at 1-800-464-4000 or visit kp.org.

Visit Blue Distinction Centers. These facilities offer bariatric surgery, spine surgery, and knee/hip replacements. When you visit one of these facilities, you won’t pay any coinsurance after you meet your annual deductible.

find it fast

Note for Employees in Hawaii and Puerto Rico

Employees in Hawaii and Puerto Rico have different medical plans available; the descriptions in this section do not apply to you. For basic features of these plans, see the plan’s Summary of Benefits and Coverage (SBC) posted on the Additional Resources page.

Each medical plan option offers comprehensive coverage, including prescription drug coverage, preventive care at no cost to you (when you use in-network providers), and financial protection in the event of a serious illness or injury. However, the way you receive care and pay for coverage varies with each option, as does the tax-advantaged account you can use to pay for eligible expenses.  

As you decide which medical option best suits your needs, consider how the options differ in their costs:

  • The Buy-Up Plan generally offers more coverage in return for higher per paycheck premiums. You can contribute to a Health Care Flexible Spending Account to help pay for your out-of-pocket expenses.
  • The Core Plan has lower per paycheck premiums than the Buy-Up Plan, but you incur greater out-of-pocket costs when using the plan. You can contribute to a Health Care Flexible Spending Account to help defray some of those expenses.
  • The Consumer Choice Plan has the lowest premiums, but you must meet the annual deductible before the plan begins paying benefits for medical and prescription drugs (with the exception of preventive care, which is covered at 100% when you use in-network providers). Once you meet the deductible, you pay a portion of the cost—called coinsurance—for eligible expenses. To help pay for out-of-pocket expenses, the Company makes a contribution to a special tax-advantaged Health Savings Account, and you can also contribute to your account on a pre-tax basis. The savings in your account roll over each year and are yours to keep even if you leave the Company.

How Well Do Your Benefits Fit Today?

You can change your benefits each year (or when needed due to a Qualifying Life Event—review Making Mid-Year Changes Due to a Life Event). It’s a good idea to consider your lifestyle, your health, and your finances as you choose your coverage. The Decision Support Tool on Benefits4MeEnroll.com is an easy-to-use online tool that helps you make informed decisions about which plan best meets your needs and preferences. In the meantime, review the Coverage Chart for a summary of what’s covered under each plan and how much you may need to pay out of pocket.

When choosing your medical plan option, consider your typical medical needs and what changes, if any, you and/or your family may experience in the coming year. For example, if you plan to expand your family or know you will be having specific medical procedures, you will want to consider which coverage best suits your needs. There’s more to your medical plan options than your per paycheck cost. Depending on how you use your coverage, you may see significant tax savings in one option versus another.

Here are the key differences among the plans:

Core Plan

Buy-Up Plan

Consumer Choice Plan

Kaiser HMO Plan
(California only)

In-Network

Out-of-Network

In-Network

Out-of-Network

In-Network

Out-of-Network

In-Network

Out-of-Network

Annual Deductible
The amount you must pay each year before the plan begins paying benefits (for most expenses)

Individual1

$500

$1,000

$200

$600

$1,650

$3,300

$0

N/A

Family1

$1,000

$2,000

$400

$1,200

$3,300

$6,600

$0

N/A

Coinsurance
Share of the cost you pay after you meet the deductible

20%

40%

10%

30%

10%

30%

0%

N/A

Annual Out-of-Pocket Maximum
The most you are required to pay in a single year (including your deductible, coinsurance and copays) for covered expenses. Once you have paid this amount, the plan takes over and pays 100% of covered expenses for the rest of the calendar year.

Individual2

$3,000

$6,000

$2,000

$4,000

$3,500

$7,000

$1,500

Family2

$6,000

$12,000

$4,000

$8,000

$7,000

$14,000

$3,000

Covered Services

Preventive services

Covered in full

Deductible, then 40%

Covered in full

Deductible, then 30%

Covered in full

Deductible, then 30%

Covered in full

Not covered

Emergency room (waived if admitted)

$150

$150

$150

$150

Deductible, then 10%

Deductible, then 10%

$75

$75

Urgent care

$25

$50

$20

$40

Deductible, then 10%

Deductible, then 20%

$20

Not covered

Primary care physician office visit

$25

Deductible, then 40%

$20

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$20

Not covered

Telehealth primary and mental healthcare visit through Firefly Health, Carbon Health, Well Connection

Covered in full

Not covered

Covered in full

Not covered

Deductible, then covered in full

Not covered

Not applicable

Not applicable

Specialist office visit

$35

Deductible, then 40%

$35

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$20

Not covered

Inpatient admission

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$250

Not covered

Outpatient surgery

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$20

Not covered

Diagnostic X-rays, lab tests, and other tests at an independent lab or outpatient facility3

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

Covered in full

Not covered

Allergy injections

Covered in full

Deductible, then 40%

Covered in full

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

Covered in full

Not covered

Hearing aid (once every 3 years)

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$2,000 allowance per device

Not covered

Vision exam (one routine exam per member per calendar year)

Covered in full

Deductible, then 40%

Covered in full

Deductible, then 30%

Covered in full

Deductible, then 30%

Covered in full

Not covered

Short-term, outpatient rehabilitation therapy visit

$35

Deductible, then 40%

$30

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$20

Not covered

Chiropractic services

$35

Deductible, then 40%

$30

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$15

Not covered

Speech, hearing, language disorder treatment

$35

Deductible, then 40%

$30

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$20

Not covered

Durable medical equipment

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

Covered in full

Not covered

Prosthetic devices

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

Covered in full

Covered in full

Home healthcare and hospice care

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

Covered in full

Not covered

Inpatient skilled nursing facility (100 days)

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

Covered in full

Not covered

Inpatient mental health and substance abuse

Deductible, then 20%

Deductible, then 40%

Deductible, then 10%

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$250 per admission

Not covered

Outpatient mental health and substance abuse

$25

at physician’s office; 20% for other outpatient services

Deductible, then 40%

$20 at physician’s office; 10% for other outpatient services

Deductible, then 30%

Deductible, then 10%

Deductible, then 30%

$20

Not covered

Tax-advantaged Account

The account you are eligible to use depends on the medical coverage option you enroll in.

Health Care FSA

Health Care FSA

Health Savings Account with Company contribution:

  • $500 for Employee Only coverage
  • $1,000 for all other coverage levels

Limited Purpose Health Care FSA

Health Care FSA

1 For the Consumer Choice Plan, both medical and prescription drug claims apply toward the medical deductible.

2 Out-of-pocket maximum includes the deductible, coinsurance, and all copays.

3 Diagnostic X-ray/lab/tests performed in physician’s office are covered in full after office visit copay.

The way expenses are counted toward the deductible and out-of-pocket maximum work one way for the Core and Buy-Up Plans, and a different way for the Consumer Choice Plan. Understanding these differences can help you decide which plan may pay more toward the care you and your dependents receive, especially if one person is likely to have higher expenses than the rest of the family.

  • Deductible — the amount you must pay each year before the plan begins paying its share of expenses (through coinsurance and copays).
  • Out-of-pocket maximum — the most you can be required to pay before the plan begins paying 100% of covered services for the rest of the calendar year.  

Note: In-network and out-of-network deductibles and out-of-pocket maximums are tracked separately. Only the cost for care received from in-network providers will count toward meeting in-network deductibles and out-of-pocket maximums.

Annual Deductible

Out-of-Pocket Maximum

When the plan begins paying its share of expenses depends on the coverage option you choose and if you cover eligible dependents.

This is the most you’ll pay during a plan year. Regardless of the medical coverage option you enroll in, when you or a family member reaches the individual out-of-pocket maximum, the plan begins to pay 100% of covered expenses for the remainder of the year for that person. If the total costs by two or more covered family members meet the family out-of-pocket maximum, the plan will begin to pay 100% of covered expenses for the remainder of the year for everyone in your family. Any out-of-pocket expenses used to meet an individual out-of-pocket maximum are also counted toward the family out-of-pocket maximum.

Core and Buy-Up Plans

If one person meets the individual annual deductible, the plan begins to pay its share of expenses for just that person; the rest of the family must continue to pay for services until the family deductible is met.

If two or more family members have costs that combine to meet the family deductible, the plan begins to pay its share of expenses for everyone in your family on the plan.

This plan design is called an embedded deductible.

Consumer Choice Plan

Expenses from one or more family members must combine to meet the family annual deductible before the plan begins to pay its share of expenses. This plan design is called a non-embedded deductible.

In-Network Examples

The Core Plan

Juan is enrolled in family coverage in the Core Plan. He covers himself, his wife, Clare, and their daughter, Sarah.

  • The in-network annual deductibles for the Core Plan are:
    • $500 for an individual
    • $1,000 for the family
  • The in-network annual out-of-pocket maximums are:
    • $2,400 for an individual
    • $4,800 for the family
  • Early in the year, Clare needs an MRI that costs $500. With this expense, she meets the individual deductible of $500 and the Core Plan begins paying a portion of any additional costs of Clare’s covered medical services through the remainder of the year.
  • Although Clare has met the individual deductible, the Core Plan is still not sharing in the cost of medical expenses for Juan or Sara.
  • Later in the year, Sarah needs medical tests that cost just over $500. Sarah’s medical expenses also meet the $500 individual deductible.
  • The total combined medical expenses for Clare and Sarah has reached the family deductible amount of $1,000. From this point on, the Core Plan will share the cost of expenses for all covered family members (with coinsurance and copays), including Juan, who hasn’t had any medical expenses yet this year.
  • Similarly, once Clare’s share of expenses reaches the individual out-of-pocket maximum, the Core Plan begins paying 100% of her eligible expenses for the rest of the year.
  • When Clare’s and Sara’s combined expenses reach the family out-of-pocket maximum, the Core Plan begins paying 100% of eligible expenses for all covered family members for the rest of the year.

The Consumer Choice Plan

Katrin is enrolled in the Consumer Choice Plan. She covers herself and her two sons, Joseph and Eli.

  • The in-network annual deductibles for the Consumer Choice Plan are:
    • $1,650 for an individual
    • $3,300 for the family
  • The in-network out-of-pocket maximums are:
    • $3,500 for an individual
    • $7,000 for the family
  • Early in the year, Eli needs to have his appendix removed. He incurs $15,000 in expenses. His surgery exceeds the family deductible:
    • Katrin is responsible for paying the first $3,300 (the family deductible).
    • The Consumer Choice Plan begins sharing in the cost of care for the amount in excess of the family deductible ($15,000 total cost – $3,300 family deductible = $12,000 shared cost).
    • Of the remaining $11,700, Katrin will pay 10% ($1,170) and the plan will pay 90% ($10,530)
  • Since the family is enrolled in the Consumer Choice Plan and the deductible has been met, the plan will share the cost of covered expenses for all covered family members for the remainder of the year.
  • Later in the year, Katrin received medical care totaling $700. Since the family deductible has already been met, the Consumer Choice Plan will share in the cost of Katrin’s care through coinsurance. She will pay 10% ($70) and the plan will pay 90% ($630).
  • Note: If Eli’s medical expenses had not met the family deductible, the plan would not share in the cost of care until the family’s combined medical expenses reached $3,300 (the family deductible). The individual deductible only applies to Employee Only coverage.
  • The out-of-pocket maximums for the Consumer Choice Plan work like the annual deductibles. The combined expenses for Katrin, Eli, and Joseph must meet the family out-of-pocket maximum before the plan begins paying 100% of eligible expenses for the rest of the year.

In partnership with BCBSMA, the Company makes the following benefits available under the Core, Buy-Up, and Consumer Choice Plans to enhance the overall well-being of you and your family:

  • Acupuncture (provided by an in-network acupuncturist) is covered as a specialist office visit for up to 12 visits per calendar year.
  • Bariatric surgery, spine surgery, or knee/hip replacement. Receive care at a Blue Distinction Center for any of these services and pay no coinsurance after you meet the annual deductible.

When enrolled in one of our medical plans, BCBSMA also offers reimbursement of up to $90 for first-time mothers and up to $45 for a refresher class when you participate in a qualified childbirth class. 

If you live in California and enroll in the Kaiser HMO, prescription drug coverage is included in your Kaiser HMO plan.

If you enroll in the Core Plan, Buy-Up Plan, or Consumer Choice Plan, prescription drug coverage is provided by Express Scripts and is included in your medical coverage. Express Scripts offers services through a network of retail pharmacies, convenient home delivery and a specialty pharmacy.

Visit Express-Scripts.com to learn more and call Express Scripts at 1-800-396-2256 with any questions.

The amount you pay for each prescription depends on the medical plan you enroll in, whether you fill it at a retail location or through mail-order, and whether it is a generic, brand name, or non-preferred brand name drug. Each year, Express Scripts updates its Preferred Prescription formulary and medications may be added or removed. To review the formulary:

Did You Know?

EMD Serono drugs marketed in the U.S. are covered at 100% in BCBSMA medical plans. For the Core and Buy-Up Plans, this means there is no copay. For the Consumer Choice Plan, this means there will be no coinsurance after the applicable deductible has been met. EMD Serono drugs include: Bavencio, Cetrotide, Gonal-F, Gonal-F RFF, Gonal-F RFF Rediject, Mavenclad, Ovidrel, Rebif, Rebif Rebidose, Saizen, Saizen-Saizenprep, Serostim, Tepmetko, Xalkori, and Zorbtive.

This is an exciting way for employees in the U.S. to proudly share in the advantages of being associated with the companies of Merck KGaA, Darmstadt, Germany.

In addition, under all our medical plans, preventive drugs — such as aspirin, folic acid, smoking-cessation drugs, vaccines, and certain others — are covered at 100% with no coinsurance or copay required. They must be prescribed by a physician and in accordance with Express Scripts guidelines.

This chart details the amounts you will pay for different types of medications.

Core Plan

Buy-Up Plan

Consumer Choice Plan

Kaiser HMO Plan

(California only)

You Pay

Preventive prescription drugs1

$0

$0

$0

$0

Retail Prescriptions (30-day supply)

Generic

$12 copay

$12 copay

10% after deductible

$10 copay

Brand-name

$30 copay

$30 copay

10% after deductible

$20 copay

Non-preferred brand-name

$50 copay

$50 copay

10% after deductible

$20 copay

Speciality

$100 copay

$100 copay

10% after deductible

$20 copay

Mail-Order Prescriptions (90-day supply)2

Generic

$30 copay3

$30 copay3

10% after deductible

$20 copay

Brand-name

$70 copay3

$70 copay3

10% after deductible

$40 copay

Non-preferred brand-name

$125 copay3

$125 copay3

10% after deductible

$40 copay

1 Refer here for a list of preventive medications available at no cost.

2 Express Scripts offers a 90-day supply through the mail-order program. In addition, you have access to Walgreens90, a service that allows Walgreens customers the option of having their 90-day prescriptions either mailed to their homes or delivered for pick up from their neighborhood Walgreens.

3 30-day and 60-day supply may be available through mail-order, with lower copays. Please consult the Summaries of Benefits and Coverage for details.  

Note

If your doctor prescribes a specialty medication for a serious medical condition, such as Multiple Sclerosis, Rheumatoid Arthritis, or Hepatitis C, your prescriptions will be filled through Accredo®, the Express Scripts specialty pharmacy. Specialty medications not filled by Accredo will not be covered; however, two fills at a retail network pharmacy will be permitted for specialty medications that are of an urgent nature and must be started immediately. If you have an urgent specialty prescription filled at a retail network pharmacy, you will receive a letter from Express Scripts about how to get started with Accredo.

Refer to the Accredo brochure for more information on the specialty pharmacy and see the Save Money on Prescriptions tab for information on an opportunity to save money on expensive specialty prescriptions.

Use Generics

Though their names are different, generic and brand-names drugs are designed to work the same way. In fact, according to the FDA, generic drugs are just as effective as their branded counterparts. And, they typically cost approximately 80% to 85% less.

Talk to your provider about whether you can use a generic drug and save some money.

If your doctor thinks generics aren’t right for you, or they aren’t available, ask about a preferred brand-name drug. You might have higher copayments than with generics, but you’ll still pay less than you would for non-preferred brand-name drugs. For questions about generics, or to see what medicines are preferred by your plan, log in to express-scripts.com or call the number on your member ID card.

Copay Assistance Program for Specialty Medications

Pharmacy benefit experts from PillarRx can help you find copay assistance programs that may be available from drug manufacturers for certain specialty medications, which are complex, expensive prescriptions. If eligible, PillarRx will contact you or your covered dependent over age 18. (PillarRx will contact you regarding any dependents under age 18.)

Order a 90-day Supply of Maintenance Medications

You can save time and money by filling your recurring, long-term maintenance prescriptions through home delivery or using Smart90 Walgreens to pick up in-store. Home delivery medication is ordered in a 90-day supply at a discounted cost. If you choose not to use the home delivery option for your maintenance drugs, you will pay a higher copay for a 30-day supply at a network pharmacy.

Whether you need assistance starting or growing your family or dealing with menopause, we offer resources to help.

The following information details the coverage and resources available to help you navigate your reproductive health journey.

Inflection – including FertilityIQ and MenopauseIQ – makes overwhelming topics easy to understand with approachable, expert-led courses built with you in mind. Proper education can save you money and ease anxiety.

FertilityIQ topics include:

  • Fertility treatments
  • Adoption
  • Fostering
  • Surrogacy
  • LGBTQ+ family building
  • Unassisted conception
  • Egg freezing
  • Endometriosis
  • Polycystic Ovary Syndrome (PCOS)
  • Ethnicity and heritage-specific fertility
  • Support for miscarriage, oncofertility, and childless by circumstance
  • Help balancing work with treatments, menopause, and childlessness

MenopauseIQ topics include:

  • Perimenopause
  • Menopause
  • Post-menopause

You’ll have unlimited access to hundreds of online courses and lessons developed and delivered by top fertility, family-building, and menopause experts who help break down complex topics and common concerns. You’ll also find comprehensive reviews of U.S. fertility doctors and clinics by verified patients, searchable by patient age, diagnosis, orientation, ethnicity, and more.

This well-researched, curated resource is here to help you make informed decisions with confidence.

Register for Your Free Membership Today!

Visit benefits4me.inflectioniq.com and use confirmation code Benefits4me and select U.S. as your region.  

Once you create your account, use the search bar to find courses and lessons on the topics you’re interested in or explore the “find a doctor” section.

If you have any questions or need assistance, email support@inflectioniq.com

Want a Quick Look at What Inflection Offers?

Check out this webinar recording. (Use passcode: 3jt1e+.X)

Targeted Help for Everyone

Inflection provides dedicated courses for those who identify as Black, Latinx, South Asian, East Asian, unpartnered, cis-lesbian, cis-gay, trans-male, trans-female, and military/veteran populations.

Inflection offers support to ensure we can all be supportive family, friends, and colleagues. Through SensitivityIQ, you’ll find courses on how to talk about difficult topics, including: miscarriage, fertility treatments, LBGTQ+ family building, being childless by circumstance, and cancer and fertility preservation.

Did You Know?

You have access to a “You Plus Two” program, which lets you extend two gift memberships to anyone you choose, including family and friends. Share this invitation digitally, at any time, and change who has the membership throughout the year.

We have partnered with Blue Cross Blue Shield of MA to offer fertility services such as egg freezing, harvesting, and preservation benefits to all employees and their enrolled spouses or domestic partners.

Examples of coverage include:

  • Intrauterine insemination (IUI): The use of sperm donation or artificial insemination.
  • Use of cryopreserved (frozen) eggs: Eggs retrieved from either partner as part of the in vitro fertilization (IVF) process, covered up to a $20,000 lifetime maximum.
  • Reciprocal in vitro fertilization (IVF) treatment: Use of eggs from one partner that have been inseminated with donor sperm and transferred to the other partner, who then carries the pregnancy and gives birth.

EMD Serono Drugs Are 100% Covered

If you need prescriptions for family planning—or any other reason—and are enrolled in one of our BCBSMA plans, EMD Serono drugs marketed in the US are 100% covered. This means you’ll have a $0 copay for the Core or Buy-Up plans or 0% coinsurance once you reach your deductible for the Consumer Choice plan. EMD Serono drugs include: Bavencio, Cetrotide, Gonal-F, Ovidrel.

Maven offers 24/7 virtual support and guidance to employees enrolled in a Company BCBSMA medical plan and their eligible dependents, for fertility treatment, pregnancy, newborn care, and menopause. You and your partner can meet with providers any time day or night to get the support you need and put your mind at rest.

You and your partner have free, confidential access to Maven’s virtual clinic to:

  • Book video appointments and message with providers from 35+ specialties, including mental health specialists, fertility educators (including help navigating IUI, IVF, and egg freezing), adoption and surrogacy coaches, OB-GYNs, lactation consultants, and pediatricians.
  • Match with a dedicated Care Advocate to help you make sense of your benefits and find the right providers and in-person clinics.
  • Get access to hundreds of expert-vetted articles, drop-in groups, and on-demand classes like Infant CPR and Fertility 101.

Begin Using Your Free Membership Today

Download the Maven app:

App Store

Google Play

Or visit: mavenclinic.com/join/bcbsma-asc

You will be prompted to create an account with your personal email and a password of your choosing. If you are prompted to select your employer, choose Benefits4Me. If you are asked to enter your “subscriber ID,” enter the number on your BCBSMA ID card.

After you create your account, choose the track you’re interested in and answer some questions to be connected to the right resources, including an advocate and provider.

If you have any trouble registering, email support@mavenclinic.com for assistance. 

Visit My Fertility Story for customized fertility and family planning resources.

Visit our internal Fertility Help Desk any time for assistance with options and next steps.

Visit resolve.org for help understanding resources and guidance. Note: This is a public resource that is not affiliated with the Company.

Refer to this brochure for information on the medical coverage available to help you start or grow your family.

Contact Included Health at 1-833-938-9948 or visit includedhealth.com/Benefits4Me for personalized, hands-on support throughout the process.

Note: The Company also offers:

  • Adoption and surrogacy assistance, which reimburses you up to $5,000 (increasing to $10,000 in 2025) for eligible expenses for the adoption or surrogacy of each child. For more information, please contact HR4You at 1-855-444-5678 or see the policy posted on HR4You.
  • Childbirth class reimbursement

Did You Know?

The Company will reimburse first-time mothers who are enrolled in a BCBSMA medical plan option through the Benefits4Me program up to $90 for a childbirth class to prepare for the arrival of their new addition. And, after the first child, mothers are eligible for an additional $45 for refresher classes. 

Use the Childbirth Class Reimbursement form to request reimbursement.

When you enroll in a Company medical plan through Blue Cross Blue Shield of Massachusetts, you and your covered family age 18+ get access to Virta, a type 2 diabetes program, at no additional cost to you. Note: There are some medical conditions that could exclude patients from Virta support.

Virta is a new type of diabetes and weight-loss care that uses nutrition and technology to help reverse* your condition.

Virta’s personalized nutrition program is designed to meet your lifestyle and needs, so you can lose weight, lower your blood sugar, and transform your health. No calorie counting, no extra gym visits—just small but meaningful changes to what you eat.

You’ll receive:

  • Personalized health coaching
  • Connected weight scale and blood meter
  • Exclusive nutrition resources and recipes
  • Dedicated medical guidance

Start your application today at www.virtahealth.com/join/bcbsma to find out if you qualify.

* Reversal on Virta is defined by reaching an A1c below 6.5% without the use of diabetes medications beyond metformin. Diabetes and related issues can return if lifestyle changes are not maintained.

Did you know?

The Company also offers Wondr weight-loss support.

We are dedicated to providing affordable healthcare coverage for our employees. To ensure our coverage options accurately reflect your needs, we offer four tiers of coverage: Employee Only, Employee + Spouse/Domestic Partner, Employee + Child(ren), and Employee + Family.

The rates below show the cost you will pay for medical and prescription drug coverage per bi-weekly pay period.

2025 Rates

Coverage Level

Core Plan

Buy-Up Plan

Consumer Choice Plan

Kaiser HMO Plan

(CA only)

Employee Only

$73.66

$87.26

$44.77

$62.44

Employee + Spouse/Domestic Partner

$169.41

$200.70

$102.97

$143.62

Employee + Child(ren)

$120.84

$143.15

$77.70

$112.49

Employee + Family

$224.65

$266.14

$136.55

$190.44

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