What are the Best Health Insurance Options in Massachusetts
If you are a resident of Massachusetts, choosing a health plan would be easy for you as findings of a recent survey has shown that Massachusetts ranks fifth when it comes to best health care in the nation. When it comes to access to the best care, quality and maintaining good public health, Massachusetts ranks high.
If your company does not provide a proper health insurance plan or if it partially covers yourself or your spouse, its high time you start thinking of a good health insurance plan which covers yourself and your family. Maximum people of this state opt for their employer-provided health insurance plan (54 %) according to the recent survey while 22 % opt for Medicaid and 12 % opt for Medicare.
The residents of this state have a lot of varieties to choose from when it comes to health insurance plans. Here are the best places to invest in health insurance.
BMC HealthNet Plan
BMC HealthNet plan established in 1997 by Boston Medical Center is a non-profit health plan. This health insurance company which serves across 330,000 members across the entire state has a whole pool of plans to choose from. The health plans cover everything from prescriptions, mental health to hospital stays as well. The health plans, like elsewhere, is divided into tiers like bronze, silver, gold, and platinum. The BMC HealthNet Plan was given a rating of 4 out of 5 in NCQA’s Medicaid Health Insurance Plan Ratings for the year 2018-19.
Fallon Community Health Plan
When it comes to providing a host of group and non-group health care plans, Fallon Community Health Plan tops the list. Founded in 1977, the company has a motto of "making our communities healthy." This company boasts of America's highest-rated health plans.
The group and non-group health plans include PPO, HMO, POS, Medicaid, and Medicare Advantage health plans. What's good about this health insurance company is that the copayment for hospital care, preventive services, and eye check-ups are not required in the health plans. Also, the health plans offered by this company includes medication which is prescribed by doctors who are recommended by the network. Many unique perks like new parent program fitness discounts are enjoyed by members.
Tufts Health Plan
Tufts Health Plan is a non-profit organization which was founded in 1979 and is a nationally recognized company providing health care services to up to 1.1 million members across the state and boasts of having more than 100 hospitals. At Tufts, two different plans for individuals and families are offered which are known as Direct and Premier. Direct are low-cost plans while Premier members have an edge-they have access to the standard network of Tufts Health Plan. The type of plan affects the type of doctors. There are unique perks in the plan which include stress management program and vision correction and also an exciting rebate in the gym membership program.
Blue Cross Blue Shield of Massachusetts
Rated 4.5 by NCQA, the BCBSMA was founded in 1937. With an employee count of 3700 people, the company boasts of an excellent network of doctors and service. For individuals and families, the Blue Cross Blue Shield of MA has six kinds of plans which include HMO, PPO, Blue Options HMO, Access Blue, Blue Options PPO, and Blue Select HMO. With a vision of “making quality health care affordable” the health plan of this company includes resources like a 24/7 nurse advice line and also live video chats with doctors.
Law of Massachusetts requires health insurance companies to include at least some of the following services like hospital care, clinical trials, maternity health care, mental health care, and emergency services.