Lower Deductible Health Plans

All of these plans are designed around a relatively low deductible ($300 per person covered, not to exceed $900 per family) and copays that vary depending on the type of service received.  Please consider the following when choosing a Lower Deductible plan: 

  • Lower Deductible plans cost more than HSA-Qualified plans and are best for employees who prefer a simpler process for paying medical bills.  
  • While Lower Deductible plans may seem safer from a cost-exposure perspective, total costs experienced under HSA-Qualified plans are likely lower even if you have significant medical expenses. The HSA-Qualified plans provide more ways to save money, and the high deductible can be covered through premium savings and Town HSA contributions.

Open Enrollment - Health Plan Rates Effective 7-1-23
Open Enrollment Health Plan Comparison Chart Lower Deductible Plans Effective 7-1-23

2023-2024 Summaries of Benefits & Coverage (SBCs)
SBC - Tufts Lower Deductible EPO (HMO) Plan 2023-2024

Current Health Plan Rates Effective 7-1-22 
Current Health Plan Comparison Chart Lower Deductible Plans Effective 7-1-22

2022-2023 Summaries of Benefits & Coverage (SBCs)
SBC - BCBS Lower Deductible Network Blue New England Plan (Full Network)
SBC - BCBS Lower Deductible Network Blue Select Plan (Limited Network)
SBC - Harvard Pilgrim Lower Deductible HMO Plan

MNHG Plan Documents and Links
Blue Cross Blue Shield 
Harvard Pilgrim

Additional Benefits
Explore these great programs, which offer significant savings and convenience!

CanaRx Prescription Drug Program
The CanaRx program makes brand name maintenance medications available for $0 co-pay. Medications are delivered by mail. Check out the drug list for your health plan below to see if your medication is available through this great program. 

CanaRx Enrollment Form and Rx List - BCBS
CanaRx Enrollment Form  and Rx List - Harvard Pilgrim
CanaRx Enrollment Form and Rx List - Tufts

Good Health Gateway Diabetes Care Rewards
Participants can receive diabetes medications and supplies with $0 co-pays, when they meet program requirements.

Good Health Gateway Flyer
Good Health Gateway Free Accu-Check Meter Flyer
Good Health Gateway Website
Note: select "Minuteman Nashoba Health Group" when prompted for "Employer/Plan Administrator"

Lyric Health/My Telemedicine
Access a doctor from your mobile device or computer 24/7/365 with no copay! Check out the overview to learn more.