Health Insurance

Health Insurance

All plans offered are Health Maintenance Organizations (HMOs), sometimes also referred to as Exclusive Provider Organizations (EPOs).  To receive benefits, subscribers must use doctors or medical facilities that have contracted with the selected carrier (i.e., Tufts, Harvard Pilgrim, Blue Cross Blue Shield).  Each plan has a different list of doctors or medical facilities where members can receive care.  Two categories of plans are available, representing different benefit structures.  Click on the links below to learn more about each plan type.

   Lower Deductible Plans
   HSA-Qualified High-Deductible Plans

Open Enrollment Packet 7-1-23

Health Savings Account (HSA)

Each employee who enrolls in an HSA-Qualified plan will have access to a Town-provided Health Savings Account (HSA), provided they qualify to make contributions.  The Town's HSA Account benefit is administered by Health Equity.  Click here for more details.

Flexible Spending Accounts (FSAs)

Flexible Spending Accounts can be used for qualified medical, dental, vision or dependent care expenses.   The Town's Flexible Spending Account benefits are administered by Cafeteria Plan Advisors, Inc.  Click here for more information.

Provider Search Tools
Each carrier has their own list of doctors, hospitals and other care providers.  Use the tools below to determine if your provider is in the plan's network.

Blue Cross Blue Shield Provider SearchChoose "Network Blue New England" for full network;  "Network Blue Select" for limited network
Harvard Pilgrim Provider SearchChoose "HMO or HMO Open Access"
Tufts Provider SearchClick "Search by Plan Name", then choose "EPO"


Looking for a side-by-side plan comparison?
All Carrier Comparison Chart - Lower Deductible Plans 
All Carrier Comparison Chart - High Deductible, HSA-Qualified Plans
BCBS-Specific Comparison Chart (Lower Deductible vs. High Deductible Plans)

Looking for plan documents or forms?
Click on the specific benefit pages to the left.

Want to know more about how the HSA plans work?
Check out our HSA page or watch this video for an overview. More videos are available on our HSA-Qualified Plan page.

Want to learn how the HSA plans can save you money?
Review our detailed Cost Comparison Tools

Want more ways to save money on health costs? 
Check out these resources.

Need access to ADP Employee Self-Service?  
Click here for instructions