Plan Selector
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Overview Of Our Plans
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HNE's Connector Plans
HNE WisePlus 
HNE EssentialMax 
HNE Principle Alliance
HNE Health
MyHNE (Young Adult)
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Plan Selector Overview

Health New England offers plans in all three categories defined by the Connector: "Bronze" plans with low monthly premiums and higher out-of-pocket costs for covered services, "Silver" plans with middle range premiums and out-of-pocket costs, and "Gold" plans with higher monthly premiums and lower out-of-pocket costs.

One piece of advice we give everyone is to make an informed decision before you select your plan. What you pay for the monthly premium is an important consideration, but it's not the only one. Members should also look at out-of-pocket costs which will vary from modest copayments to several thousand dollars, depending on the plan.

Network is another critical piece. Where do you have to go to get covered services? With HNE, we’ve been working with the doctors and other health care providers here in Western Mass for the last 20 years.

Cost Indicator:
$= Lowest
 $$= Medium $$$= High

BRONZE

HNE WisePlus 
Monthly premium: $
Out-of-pocket costs for service $$$
This HMO plan is a federally qualified high deductible health plan (HDHP). HDHPs allow you to contribute pre-tax dollars into a health savings account (HSA). You can save the money in the HSA and carry it over from year to year, or use it to pay for qualified medical expenses.

SILVER

HNE EssentialMax 
Monthly premium: $$
Out-of-pocket costs for service $$
This HMO plan includes a $1,000 deductible. Doctor’s office visits are not subject to the deductible. For all other covered medical services, you pay the first $1,000 in medical expenses.

HNE Principle Alliance 
Monthly premium: $$
Out-of-pocket costs for service $$
This HMO plan places special emphasis on the importance of the doctor-patient relationship using HNE’s Alliance Network. HNE’s Alliance Network focuses on the partnership between you and your primary care physician. This plan’s pharmacy benefit is based on HNE’s Performance Formulary.

GOLD

HNE Health
Monthly premium: $$$
Out-of-pocket costs for service $
This HMO plan has no deductible for covered services. You’ll have access to HNE’s broad HMO network. You pay just the copayment listed.

YOUNG ADULT

MyHNE young adult plan
Monthly premium: $
Out-of-pocket costs for service $$$
This HMO plan is available only to young adults age 18-26. With low monthly premiums, it includes a $2,000 deductible. Coverage is limited to $100,000 of medical expenses per year. This plan’s pharmacy benefit is based on HNE’s performance formulary.

Also offered without prescription coverage.

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