Learn about your plan choices

Choose either the:

  1. Direct Care, or
  2. The Advantage Plan

Both plans have the same comprehensive benefits.

What's the difference between the two plans?

Direct Care

  • No deductible
  • Save on all of your out-of-pocket costs, including your premium, coinsurance and copayments.
  • Choose from 28,000 providers throughout central and eastern Massachusetts. Learn more about the Direct Care network.
  • Take advantage of benefits to keep you and your family healthy.

The Advantage Plan

  • You will have lower out-of-pocket costs when you go to a doctor or hospital locally. Tier 1 providers include the region's finest providers, including UMass Memorial Medical Center, Saint Vincent Hospital and community hospitals.
  • Choose from more than 40,000 doctors and hospitals throughout Massachusetts and southern New Hampshire. Learn more about The Advantage Plan network.
  • Take advantage of benefits to keep you and your family healthy.

Take the next step

Learn about:

Important information

Learning the terms

Tiers

Briefly stated, tiers are categories. For The Advantage Plan, we have categorized doctors and hospitals into two tiers.

You will have lower out-of-pocket costs when you receive care from a Tier 1 doctor or hospital.

Providers are only tiered for certain services, such as office visits, inpatient hospitalization and same-day surgery, through The Advantage Plan.