- Harvard Pilgrim
- Health New England
Harvard-Pilgrim offers NO traditional "co-payment" plans, but only high "deductible" plans starting at $1,500 for their traditional larger network and $1,000 for the smaller "Focus" network. Similarily, Fallon has NO "co-payment" plans, and deductible plans start at 1,000 for all three of their networks: Select, Direct and the newly formed Steward.
Why join? There are discounts for these limited plans. How much? You can save 3% on the premium by going through the Chamber of Commerce versus going to the carrier direct. This discount, however, comes with a cost:
- Annual membership fee:
- Monthly administration fee: Harvard-Pilgrim charges $20 per month per subscriber. A group of two employees will be charged $40 per month or $480 for the year!!Fallon varies the monthly fee by coverage (single is $5/month, employee/child is $9/month, employee/spouse is $10/month, family is$15 per month).
- Wellness Program Penalty: At the end of each calendar year subscribers who are active participants will be calculated. Businesses that fall short of a 60% active participation threshold will be assessed a one time $100 charge for each covered employee short of the threshold in the calendar year.