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Are you a small business owner looking to provide affordable coverage to your employees and their families? 

 Find out what you'll need to do to enroll your employer group through Connector Business Express.

 

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For Employers and Brokers

What Plans Are Available for My Employees or My Client’s Employees?

BMC HealthNet Plan offers six health benefit plans for Massachusetts small businesses looking for affordable, high-quality health insurance coverage for 50 or fewer employees

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. 

  • BMC HealthNet Plan Commonwealth Choice serves small employers with 1 – 50 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).

These plans offer a variety of member cost sharing arrangements.  So, you can pick the plan that best meets your or your clients’ needs – whether you are looking for a high-deductible or a no-deductible plan.  Click on the plan names below to view the benefit summaries* for each of our Employer Choice/Commonwealth Choice plans. Or, view our employer summary brochure that allows you to compare the cost sharing arrangements of our six plans.

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)

Bronze Saver(3)

Bronze Low

Generally lower than Silver and Gold

Generally higher than Silver and Gold

Bronze Value

Bronze Medium

Bronze Plus

Bronze High

Silver Saver

 

Silver Low

Generally higher than Bronze

Generally lower than Bronze 

Silver Plus

Silver High

Gold

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.

 * For full details regarding covered benefits, limitations, and exclusions for Commonwealth Choice, see the Commonwealth Choice 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 may require prior authorization.

Have Employees Interested in a Health Savings Account (HSA)?

BMC HealthNet Plan's Bronze Saver (Bronze Low) plan is HSA-compatible. That means it can be incorporated into a savings product that allows individuals to pay for current qualified medical expenses and save toward future medical expenses on a tax-free basis. An HSA can be a valuable tool to help you save money for medical expenses for you and your family. To learn more about HSAs visit www.thebancorphsa.com or go directly to an FAQ.

Have Employees Ready to enroll in an HSA?

The Bancorp Bank offers an outstanding HSA product and provides three easy ways to open an account. To enroll, visit www.thebancorphsa.com or click here.

Select network

Employer Choice/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. 

Six Great Options to Meet Your or Clients’ Needs:

Find the plan that best meets your or your client’s needs and budget. Here’s a quick look at the cost-sharing arrangements of all six commercial plans*.

Gold
no deductibles; most benefits have no coinsurance; lowest copayments for drugs and medical services; prescription drug copayments are lower for most generics

Silver Plus/
Silver High
no deductibles; prescription drug copayments are lower for most generics 50% coinsurance on brand-name drugs

Bronze Plus/
Bronze High
$250 annual deductible for an individual and $500 annual deductible for a family; deductible does not apply to office visits; coinsurance for some services; prescription copayments are lower for most generics

Silver Saver/
Silver Low 
$1,000 annual deductible for an individual and $2,000 annual deductible for a family; deductible does not apply to office visits; prescription drug copayments are lower for most generics

Bronze Value/
Bronze Medium
$2,000 annual deductible for an individual and $4,000 annual deductible for a family; deductible does not apply to office visits; tier 2 and 3 prescription drugs have a separate prescription drug deductible: $250 annual deductible for individuals and $500 annual deductible for families; prescription drug copayments are lower for most generics

Bronze Saver/
Bronze Low
– $2,000 annual deductible for self-only coverage and $4,000 annual deductible for a family; preventive health services are exempt from the deductible; coinsurance on some services; prescription copayments are lower for most generics

* For full details regarding  covered benefits, limitations, and exclusions for Employer Choice/Commonwealth Choice, see the Evidence of Coverage (EOC) and the appropriate plan Schedule of Benefits. These plans meet all MA requirements for participation, rating, mandatory offer/renewal 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.

We Help Your Employees and Their Families Get .and Stay Healthy

BMC HealthNet Plan can help your employees get and stay healthy with Healthy Extras.  Employer Choice and Commonwealth Choice members are eligible for up to a $100 reimbursement per year on Weight Watchers® memberships, a $200 per year reimbursement for joining a health club, and eyewear discounts.  Get details here. BMC HealthNet Plan members can also find tips and tools to get and stay healthy at our online Your Healthiest You Wellness Center

How Do I Know If My Small Business or My Client’s Small Business Qualifies for Coverage?

In order to qualify for one of BMC HealthNet Plan’s Employer Choice/Commonwealth Choice plans, at a minimum:

  • Your or your client’s business must be located in our employer service area (rating area);and
  • Your or your client’s employees must live in a Massachusetts city or town with zip code that is part of our service area for employees of qualifying small businesses; and
  • the small business must meet the participation and contribution rates required by BMC HealthNet Plan or the Connector for your size group.

Learn more about which employees are eligible for coverage and other small business eligibility requirements.

How to Enroll

Qualifying groups seeking to cover 1-5 employees must enroll in Commonwealth Choice through the Massachusetts Health Connector by visiting www.mahealthconnector.org or calling 888-813-9220.

Qualifying groups seeking to cover 6-50 employees can enroll in Employer Choice directly (purchase coverage directly through us) by contacting a BMC HealthNet Plan small business representative at directsales@bmchp.org or by calling 617-748-6105. They can also enroll in Commonwealth Choice through the Massachusetts Health Connector by visiting www.mahealthconnector.org or calling 888-813-9220.

Brokers looking to enroll clients in BMC HealthNet Plan’s commercial program should, for the timebeing, enroll their clients in Commonwealth Choice through the Massachusetts Health Connector by visiting www.mahealthconnector.org or calling 888-813-9220. BMC HealthNet Plan is currently developing processes which will enable brokers to enroll their clients directly in our Employer Choice plans.

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