Skip to main content
  • Home
  • Medicare
  • Employer
  • Broker
  • Provider
  • Careers
  • Health News
  • About Us
  • Menu
    • Find Care
      • Care Options

        • Find a Doctor
        • 24/7 Nurse Line
        • Video Doctor Visits
        • Look up a Medication
        • Care Management
        • Caregiver Support
        • Serious Illness
        • Care Decisions
        • Holistic Care
          • Find alternative care
          Close
        • Acupuncture
        • Transgender Services
        • Team Blue
          • A Pledge to Make Meaningful Change
          Close
        Close
      Close
    • Your Health
      • Mental and Behavioral Health

        • Mental & Behavioral Health
        • Articles & Videos
        • Substance Use Disorder
        Close
      • Conditions

        • Pregnancy
        • Diabetes
        • Asthma
        Close
      • Everyday Wellness

        • Coronavirus Resource Center
          • We Are Mighty, MA
          Close
        • Flu Resources
          • Flu FAQ
          • Flu Myths
          Close
        • Preventive Care
        • Whole Health Checklist
        • Family Planning
        Close
      Close
    • Learn & Save
      • Plans & Benefits

        • Medical
          • Student Plan
          Close
        • Dental
        • Vision
        • Pharmacy
        • Deductible plans
        • Other Benefits
        • Health Connector Plans
        • Summary of Benefits and Coverage
        Close
      • Ways to Save

        • Health Financial Accounts
        • Fitness & Weight Loss
        • Breast Pump Savings
        Close
      • Insurance Basics

        • Transitioning to Medicare
        Close
      • Fast Forms
      • Glossary of Terms
      Close
    Close
  • Search
    • Search
    Close
  • Support
    • Team Blue Support
      • Call member service 1-800-262-2583
      • Talk to a nurse 1-888-247-2583
      • Video Doctor Visit
      • Send website feedback
      Close
    Close
  • Sign In
  • Menu
    • Home
    • Find Care
      • Care Options

        • Find a Doctor
        • 24/7 Nurse Line
        • Video Doctor Visits
        • Look up a Medication
        • Care Management
        • Caregiver Support
        • Serious Illness
        • Care Decisions
        • Holistic Care
          • Find alternative care
          Close
        • Acupuncture
        • Transgender Services
        • Team Blue
          • A Pledge to Make Meaningful Change
          Close
        Close
      Close
    • Your Health
      • Mental and Behavioral Health

        • Mental & Behavioral Health
        • Articles & Videos
        • Substance Use Disorder
        Close
      • Conditions

        • Pregnancy
        • Diabetes
        • Asthma
        Close
      • Everyday Wellness

        • Coronavirus Resource Center
          • We Are Mighty, MA
          Close
        • Flu Resources
          • Flu FAQ
          • Flu Myths
          Close
        • Preventive Care
        • Whole Health Checklist
        • Family Planning
        Close
      Close
    • Learn & Save
      • Plans & Benefits

        • Medical
          • Student Plan
          Close
        • Dental
        • Vision
        • Pharmacy
        • Deductible plans
        • Other Benefits
        • Health Connector Plans
        • Summary of Benefits and Coverage
        Close
      • Ways to Save

        • Health Financial Accounts
        • Fitness & Weight Loss
        • Breast Pump Savings
        Close
      • Insurance Basics

        • Transitioning to Medicare
        Close
      • Fast Forms
      • Glossary of Terms
      Close

    Other Sites

    • Home
    • Medicare
    • Employer
    • Broker
    • Provider
    • Careers
    • Health News
    • About Us

    Need Help

    • Team Blue Support
      • Call member service 1-800-262-2583
      • Talk to a nurse 1-888-247-2583
      • Video Doctor Visit
      • Send website feedback
      Close
    Close
  1. Home
  2. Medical
Español Português 简体中文 Tiếng Việt Pусский

Shouldn't your health plan be a "help plan?"

One of the most important benefits of any medical plan is getting assistance and advice.

So no matter which plan you have, we make sure it comes with the helpful tools of MyBlue, and the helpful people of Team Blue.

Together, they make Massachusetts’ most trusted medical plans more powerful than ever.

Buy your own insurance

Choosing a health plan should be easy for everyone. Find an option that’s right for you.

 

Buy online
for you and your family

 

Buy online
for medicare

 

Get quote for
your small business

 

Finding Financial Support

This year, more financial help for health insurance premiums is available to more people than ever before. See how qualified members who enroll through the Massachusetts Health Connector can get the help they need.

Learn More

Leave nothing on the table

Don’t miss out on your rightful reimbursements, prescription savings, discounts, and benefits. See them all when you sign in to MyBlue.

Sign in

Student Blue

As a student, you're always on the go. With Blue Cross, you can live your life knowing that we've got you covered when you need us.

Learn more

Under 30 and on a budget? We’ve got you covered.

About to leave your parents’ plan? Don’t have an employer plan yet? Then HMO Blue Essential might be the plan for you. Read on to learn more, or call Team Blue at 1-800-422-3545 to sign up, ask questions, or learn about other plan options.

How do I qualify?
  • You’re a Massachusetts resident between the ages of 18 and 29.
  • Your annual household income is less than $49,960.

If you meet these qualifications and want to buy HMO Blue Essential, click here to get started or read on to learn more about the plan.  If your annual income is less than $49,960, you may qualify for a subsidy to help pay for your insurance. Visit Health Connector Plans to learn more.

Additional information regarding Medicare Creditable Coverage can be found here.

What’s included?

Here’s what you get for around $290 a month:

  • Pay $0 out-of-pocket for preventive care, routine physicals, OB/GYN, well child visits, routine hearing and vision exams, and family planning. There’s no copay or deductible.
  • Pay no more than $35 per visit for your first three sick-care or non-preventive office visits. For additional visits, you are responsible until the deductible is met.
  • No additional charge for emergency room, inpatient hospital care, or outpatient surgery after you pay your deductible.
  • Pay nothing for Tier 1 birth control and, after you pay your deductible, pay nothing for all covered prescriptions.
  • Enjoy savings on fitness reimbursements and discounts on holistic services.

The deductible is $8,200 for individuals and $16,400 for families. Check out the Summary of Benefits & Coverage to learn more.

Can you explain my costs?

Co-insurance and copayments
With this plan, you are covered for routine preventive care and services at no cost. You also get three medical office visits each year for either a $35 copayment or 50% co-insurance (you pay half the cost of the visit), whichever is less. You don’t pay toward your deductible for a medical office visit until after these three visits.

Out-of-pocket maximum
Your out-of-pocket maximum is the most you pay per plan year for covered health expenses, before the plan pays 100% of covered expenses for the rest of that year. This plan's out-of-pocket maximum is of $8,200 for individuals and $16,400 per family.

Deductible
Your deductible is the amount you pay before your insurance pays any of the costs for most services. After you pay your deductible, you’ll pay nothing for covered services for the rest of the year. (Note: Your monthly premium payments don't count toward your deductible). This plan's deductible is $8,200 for individuals and $16,400 per family.

How do I choose my doctors?

Get started by finding a primary care provider. Keep in mind, the provider must be in Massachusetts. Once you’ve enrolled in this health plan, use the Find a Doctor tool to get started.

If you need a specialist, your primary care provider will refer you to one. You must have a referral for your specialist care to be covered.

What about emergencies? Go to the nearest medical facility or call 911. Once you’ve met your deductible for the year, there’s no charge for emergency care.

What if my doctor’s office is closed? You have two great options:

  • Call our 24/7 Nurse Line toll-free at 1-888-247-BLUE (2583) to speak with a registered nurse, right when you need to, day or night, at no charge.
  • If you have an illness or injury that needs immediate attention, but isn't life-threatening, go to an urgent care center.

Want to learn more? Explore your care options

Is dental coverage an option?

Yes! Your medical plan coverage includes a separate dental policy, covering pediatric essential dental benefits for members until the end of the calendar month in which they turn age 19, as required by federal law.

Your dental deductible is $50 per member (no more than $150 for three or more members enrolled under the same family membership). You must meet a plan-year deductible for certain covered dental services.

Your out-of-pocket maximum is $350 per member (no more than $700 for two or more members enrolled under the same family membership). The out-of-pocket maximum is the most that you could expect to pay covered dental services during a plan year (for the deductible and co-insurance).

Plans that fit you, not the other way around

 

Access doctors anywhere

We have a nationwide network of the best doctors, hospitals, and specialists. Plus an easy tool to find them.

Find a doctor

 

Your plan in your hand

Get an instant snapshot of your benefits, medications, balances, and deductible. All in one place, all on your device.

Learn more

 

The most trusted health brand

We’re #1 with JD Power — because you’re #1 with us. See why members trust us to stand with them.

Learn more

The best health insurance is the kind you understand

A little knowledge is a lot of empowerment. Here’s where you can brush up on all the health insurance basics.

Read on

One great plan deserves another

Combine one or more of these options with your medical plan, and let Team Blue bring a unified approach to your care.

Dental Blue®

Receive regular dental checkups and more from one of the largest networks in the country.

Learn more

Blue 20/20 vision plan

Take a look at savings on routine eye exams, eyeglasses, contacts, and more.

Learn more

Pharmacy benefits

Enjoy savings on prescriptions and mail-order medications, and get delivery to your door!

See Pharmacy Coverage

Footer: Links

  • About Us
  • Careers
  • Sitemap
  • Feedback
  • Contact Us
  • Privacy & Security
  • Terms of Use
  • Accessibility
  • Nondiscrimination
  • Member Rights
  • Plan Updates
  • Utilization Management
  • MyBlue App
  • Health News Stories
  • Well-B
  • Medical Policies
  • Equity In Health Care​​​​​​​

Download App

Download on App Store Download on Google Play

Follow us:

  • Follow us on Facebook
  • Follow us on Twitter
  • Follow us on LinkedIn
  • Follow us on YouTube

Choose a language:

  • English/English
  • Spanish/Español
  • Portuguese/Português
  • French/Français
  • Chinese/简体中文
  • Haitian Creole/Kreyòl Ayisyen
  • Vietnamese/Tiếng Việt
  • Russian/Русский
  • Mon-Khmer, Cambodian/ខ្មែរ
  • Italian/Italiano
  • Korean/한국어
  • Greek/Ελληνικά
  • Polish/Polski
  • Hindi/हिंदी
  • Gujarati/ગુજરાતી
  • Tagalog/Tagalog
  • Japanese/日本語
  • German/Deutsch
  • Lao/ພາສາລາວ
  • Navajo/Diné Bizaad

ATTENTION: If you speak a language other than English, language assistance services are available to you free of charge. Call 1-800-200-4255(TTY: 711).

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia con el idioma. Llame al número de Servicio al Cliente que figura en su tarjeta de identificación llamada 1-800-472-2689 (TTY: 711).

ATENÇÃO: Se fala português, são-lhe disponibilizados gratuitamente serviços de assistência de idiomas. Telefone para os Serviços aos Membros, através do número no seu cartão ID chamar 1-800-472-2689 (TTY: 711).

ATTENTION : si vous parlez français, des services d’assistance linguistique sont disponibles gratuitement. Appelez le Service adhérents au numéro indiqué sur votre carte d’assuré appel 1-800-472-2689  (TTY : 711).

注意:如果您讲中文,我们可向您免费提供语言协助服务。请拨打您 ID  卡上的号码联系会员服务部 通话 1-800-472-2689(TTY  号码:711)。

ATANSYON: Si ou pale kreyòl ayisyen, sèvis asistans nan lang disponib pou ou gratis. Rele nimewo Sèvis Manm nan ki sou kat Idantitifkasyon w lan (Sèvis pou Malantandan Rele 1-800-472-2689 TTY: 711).

LƯU .: Nếu quý vị n.i Tiếng Việt, c.c dịch vụ hỗ trợ ng.n ngữ được cung cấp cho quý vị miễn ph.. Gọi cho Dịch vụ Hội vi.n theo số tr.n thẻ ID của quý vị Cuộc gọi 1-800-472-2689 (TTY: 711).

ВНИМАНИЕ: если Вы говорите по-русски, Вы можете воспользоваться бесплатными услугами переводчика. Позвоните в отдел обслуживания клиентов по номеру, указанному в Вашей идентификационной карте вызов 1-800-472-2689 (телетайп: 711).

ការជូនដំណឹង៖ ប្រសិនប. ើអ្នកនិយាយភាសា ខ្មែរ សេ  វាជំនួយភាសាឥតគិតថ្លៃ គឺអាចរកបានសម្  រាប ់អ្នក។ សូមទូរស័ព្ទទ ៅផ ្នែ កសេ  វាសមា  ជិកតាមល េខន  ៅល.  ើប ័ណ្ណ សម្  គាល ់ខ្លួ ខ្លួ នរប ស់អ្នក ហៅ 1-800-472-2689 (TTY: 711) ។

ATTENZIONE: se parlate italiano, sono disponibili per voi servizi gratuiti di assistenza linguistica. Chiamate il Servizio per i membri al numero riportato sulla vostra scheda identificativa chiamata 1-800-472-2689 (TTY: 711).

참고 : 한국어를 사용하는 경우 언어 지원 서비스를 무료로 사용할 수 있습니다. 신분증에있는 전화 번호 1-800-472-2689 (TTY : 711)로 회원 서비스에 연락하십시오.

ΠΡΟΣΟΧΗ: Εάν μιλάτε Ελληνικά, διατίθενται για σας υπηρεσίες γλωσσικής βοήθειας, δωρεάν. Καλέστε την Υπηρεσία Εξυπηρέτησης Μελών στον αριθμό της κάρτας μέλους σας (ID Card) κλήση 1-800-472-2689 (TTY: 711).

UWAGA: Osoby posługujące się językiem polskim mogą bezpłatnie skorzystać z pomocy językowej. Należy zadzwonić do Działu obsługi ubezpieczonych pod numer podany na identyfikatorze zadzwoń 1-800-472-2689 (TTY: 711).

ध्यान दें: य दि  आप ह िन् दी बोलते ह ैं, तो भा षा  सहाय  ता  सेवा एँ, आप के लि ए नि :शुल्क  उपलब्ध ह ैं। सदस्य  सेवा ओं को आपके आई.डी. कार  ्ड पर दि ए गए नंबर पर कॉल करें  कॉल 1-800-472-2689 ( टी .टी .वा ई.: 711).

ધ્યાન આપો:  જો તમે ગુજરા તી બોલતા  હો, તો તમને ભા ષા કીય  સહાય  તા  સેવા ઓ વિ ના  મૂલ્યે  ઉપલબ્ધ છે. તમા રા  આઈડી કાર  ્ડ પર આપેલા  નંબર પર Member Service  ને કૉલ કરો કૉલ કરો 1-800-472-2689 (TTY: 711).

PAUNAWA: Kung nagsasalita ka ng wikang Tagalog, mayroon kang magagamit na mga libreng serbisyo para sa tulong sa wika. Tawagan ang Mga Serbisyo sa Miyembro sa numerong nasa iyong ID Card tumawag 1-800-472-2689 (TTY: 711).

お知らせ:日本語をお話しになる方は無料の言語アシスタンスサービスをご利用いただけます。ID カードに記載の電話番号を使用してメンバーサービスまでお電話ください 呼び出す 1-800-472-2689(TTY: 711)。

ACHTUNG: Wenn Sie Deutsche sprechen, steht Ihnen kostenlos fremdsprachliche Unterstützung zur Verfügung. Rufen Sie den Mitgliederdienst unter der Nummer auf Ihrer ID-Karte an Anrufen 1-800-472-2689 (TTY: 711).

ຂໍ້ຄວນໃສ່ໃຈ: ຖ້າເຈົ້າເວົ້າພາສາລາວໄດ້, ມີການບໍລິການຊ່ວຍເຫຼືອດ້ານພາສາໃຫ້ທ່ານໂດຍບໍ່ເສຍຄ່າ. ໂທ ຫາ ຝ່າຍບໍລິການສະ ມາ ຊິກທີ່ໝາຍເລກໂທລະສັບຢູ່ໃນບັດຂອງທ່ານ ໂທ 1-800-472-2689 (TTY: 711).

BAA !KOHWIINDZIN DOO&G&: Din4 k’ehj7 y1n7[t’i’go saad bee y1t’i’ 47 t’11j77k’e bee n7k1’a’doowo[go 47 n1’ahoot’i’. D77 bee an7tah7g7 ninaaltsoos bine’d44’ n0omba bik1’7g7ij8’ b44sh bee hod77lnih call 1-800-472-2689 (TTY: 711).

Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association. ® Registered Marks of the Blue Cross and Blue Shield Association. ®´ Registered Marks of Blue Cross and Blue Shield of Massachusetts, Inc., or Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. ®´´ Registered Marks, TM Trademarks. and SM Service Marks are the property of their respective owners. © 2021 Blue Cross and Blue Shield of Massachusetts, Inc., or Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.