2019 Large Groups Summary of Benefits and Coverage (SBC)

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Wise HMO

Wise plans feature lower monthly premiums with higher out-of-pocket costs for covered services. They require full payment of their deductible before most services are covered. They are typically paired with a Health Savings Account that can be used by the member to pay for health related expenses and deductibles.

Core HMO

Core plans feature lower monthly premiums with higher out-of-pocket costs for covered services. These plans generally include higher copayments and annual deductibles, and sometimes feature coinsurance that applies to covered services.

Essential HMO

Essential plans feature intermediate pricing for both monthly premiums and out-of-pocket costs.

Premium HMO

Premium plans have higher monthly premiums, but lower out-of-pocket costs for covered services. These plans feature low copayments, and typically do not include deductibles.

Wise PPO

Wise plans feature lower monthly premiums with higher out-of-pocket costs for covered services. They require full payment of their deductible before most services are covered. They are typically paired with a Health Savings Account that can be used by the member to pay for health related expenses and deductibles.

Core PPO

Core plans feature lower monthly premiums with higher out-of-pocket costs for covered services. These plans generally include higher copayments and annual deductibles, and sometimes feature coinsurance that applies to covered services.

Essential PPO

Essential plans feature intermediate pricing for both monthly premiums and out-of- pocket costs.



Plan Benefit Information
HNE

2017
Small Group

Employers that have 50 employees and under, can view our 2016 plan benefits information for HMO & PPO plans regarding Summary of Benefits and Coverage, Explanation of Coverage, Benefit Summary.

2017
Connector

View MA state based exchange health insurance plan benefits information for HMO & PPO plans regarding Summary of Benefits and Coverage, Explanation of Coverage, Benefit Summary.

2018
Small Group

Employers that have 50 employees and under, can view our 2018 plan benefits information for HMO & PPO plans regarding Summary of Benefits and Coverage, Explanation of Coverage, Benefit Summary.

2018
Large Group

Employers that have 51 employees and more, can view our 2017 plan benefits information for HMO & PPO plans regarding Summary of Benefits and Coverage, Explanation of Coverage, Benefit Summary. 

2018
Connector

View MA state based exchange health insurance plan benefits information for HMO & PPO plans regarding Summary of Benefits and Coverage, Explanation of Coverage, Benefit Summary.