What is Employer Choice / Commonwealth Choice?
BMC HealthNet Plan now also offers commercial (private) health insurance coverage to individuals and their families. Commonwealth Choice plans are ideal private health plans if you’re self-employed, a contractor, or work at a small company that doesn’t offer any coverage. Small employers who want to provide health coverage for their employees (and their families) can also purchase commercial insurance through BMC HealthNet Plan.
There are six different health benefit plan designs from which to choose. These six plans are available through the Massachusetts Health Connector under the name BMC HealthNet Plan Commonwealth Choice and directly through BMC HealthNet Plan under the name BMC HealthNet Plan Employer Choice.
What’s the difference between Employer Choice and Commonwealth Choice?
- BMC HealthNet Plan Commonwealth Choice serves individuals and their families as well as small employers (with 50 or fewer eligible employees) who want to offer coverage to their employees (and their families).
- BMC HealthNet Plan Employer Choice serves employers with 6 – 50 employees who want to offer coverage to their employees (and their families).
Click on the plan names below to view benefit summaries* for each of our Employer Choice/Commmonwealth Choice plans.
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BMC HealthNet Plan Employer Choice/Commonwealth Choice Plan |
Equivalent Plan Name Used by Massachusetts Health Connector at www.mahealthconnector.org |
Monthly Premium Cost(1) |
Out-of-pocket Costs when you receive covered services(2) |
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Bronze Saver(3) |
Bronze Low |
Generally lower than Silver and Gold
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Generally higher than Silver and Gold
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Bronze Medium |
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Bronze High |
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Silver Low |
Generally higher than Bronze
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Generally lower than Bronze
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Silver High |
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Gold |
Generally higher than Bronze and Silver |
Generally lower than Bronze and Silver |
(1) Monthly premium costs may vary based on demographic information such as zip code and age.
(2) The comparison above is based on the cost-sharing amounts listed on the Schedule of Benefits for each of the six health benefit plans.
(3) Our Bronze Saver (Bronze Low) Plan is Health Savings Account (HSA)-compatible. Individuals can learn more here. Employers can learn more here.
(4) Dental benefits include cleanings, exams, x-rays and fluoride treatments, and are limited to once every 12 or 60 months, depending on the service.
Employer Choice and Commonwealth Choice members have access to BMC HealthNet Plan’s Select network of healthcare providers, including primary care physicians, specialists and hospitals in the Eastern Massachusetts area. Find out which providers are in our select network.
BMC HealthNet Plan Employer Choice or Commonwealth Choice members can*:
- Select and regularly visit a doctor who understands their healthcare needs
- Visit a specialist
- Go to the hospital
- Obtain prescriptions
- Access mental health and substance abuse services
- Have a routine eye exam
- See a dentist for preventive services
*See the Summary of Benefits for each of our products for an overview of benefits and cost sharing. Employers click here; Individuals click here. For full details regarding covered benefits, limitations, exclusions, restrictions, to services ,benefits, the provider network and a summary of pharmaceutical procedures for Employer Choice/Commonwealth Choice, see the applicable Evidence of Coverage (EOC)and the appropriate plan Schedule of Benefits. These plans meet all MA requirements for participation, rating, mandatory offer/renewal and benefit mandates. There are no pre-existing condition limitations or waiting periods. Employers must comply with MA non-discrimination standards. All covered services must be medically necessary and some require prior authorization. Please click here for a summary of utilization management procedures. Please see Your Privacy for our privacy policies.
Access to Exceptional Care and Healthy Extras
BMC HealthNet Plan’s Care Managers can help members with special health conditions, including asthma and diabetes, better manage their care.
Employer Choice and Commonwealth Choice members are also eligible for Healthy Extras, including fitness reimbursements, Weight Watchers® refunds and discounts, and eyewear discounts.
Looking for coverage for you and your family? Learn more.
Looking for coverage for your small business employees or your client's employees? Learn more.
