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At HNE, we understand that as a small business owner, you have to wear many hats. That’s why we believe that choosing a health plan for you and your employees should be as easy as possible. We offer a range of plans from which you can choose based on your individual 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.
| Small Groups: 6-50 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 Essential1500 , HNE Essential1000, HNE Essential500
- Value plans feature intermediate pricing for both monthly premiums and out-of-pocket costs.
HNE Focus, HNE CompleteMax, HNE Choice, HNE ChoicePlus, HNE CompletePlus
- 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 Principle
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| PPO
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Chiropractic Coverage:
A Chiropractic benefit of 12 visits per calendar year is included with all HNE plans for small groups (1-50). 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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