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At HNE, we understand that choosing a health plan is important to your business. To stay competitive, you have to balance costs against the richness of your benefit plan, which helps you to attract and keep your best employees. We offer a range of plans from which you can choose based on your business needs.
Our HMO plans offer comprehensive health care coverage. Services are provided though our extensive network of doctors and health care professionals in Western and Central Massachusetts, as well as parts of Connecticut and Vermont. These plans are grouped in three different categories based on costs. (Each category name is a link to a comparison of the plans we offer in that category.)
We also offer Preferred Provider Organization (PPO) plans. These plans allow members to use HNE’s network of doctors, or to receive covered services outside of the network. Out of pockets costs are lower for in-network services, and higher for those received out-of-network. Out of network costs usually include deductibles and coinsurance.
| Large Groups: 51+ Eligible Employees |
HMO
- Basic plans feature lower monthly premiums with higher out-of-pocket costs for covered services. These plans generally include higher copayments and annual deductibles that apply to covered services.
HNE WisePlus, HNE WiseMax, HNE EssentialMax,
HNE EssentialPlus, HNE Focus
- Value plans feature intermediate pricing for both monthly premiums and out-of-pocket costs.
HNE Choice, HNE ChoicePlus, HNE CompletePlus, HNE CompleteMax
- Premium plans have higher monthly premiums, but lower out-of-pocket costs for covered services. These plans feature low copayments, and typically do not include deductibles.
HNE HealthMax, HNE Principle
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| PPO
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Chiropractic Coverage:
A Chiropractic rider may be purchased for large groups (51 and above). A chiropractic rider is not available with the High Deductible Health Plan/HDHP- (HNE Wise Plans).
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(Printable PDF Format)
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