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HSA BlueCare
(High Deductible HMO)
is a high-deductible HMO plan. Members must choose primary care physicians (PCPs) who help coordinate care. Referrals to specialists within the HMO network are not required. Office visits for preventive care, including well-child care, are covered in full.
Benefit Summary
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HSA Blue
(High Deductible Comprehensive)
is a high-deductible plan that allows members to use providers of their choice, across the state and across the country. If the chosen provider does not participate with the patient's local Blue Cross and Blue Shield, the patient may be balanced billed.
Benefit Summary
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BlueCare Access HSA
(High Deductible HMO)
is a high-deductible plan ideal for Vermont-based employers that employ out-of-state staff because the group can offer a single health plan to all employees, regardless of where they reside. Members who reside in the BlueCare service area (i.e., Vermont and the bordering counties of New Hampshire) use TVHP providers while out-of-area residents access health care through the national BlueCard network.
NOTE: Eligibility requirements include residency limits.
Benefit Summary
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BlueCare (HMO)
is a managed care plan that requires members to select primary care physicians (PCPs), but referrals to specialists within the HMO network are not required. Members pay only co-payments for PCP office visits and pay nothing at all for preventive office visits, including annual OB-GYN exams and Well-Child Care. Hospital inpatient care, outpatient care or specialist visits may require larger co-payments or deductibles.
Benefit Summary
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BlueCare Access (HMO)
offers members the same quality care and low-cost co-payments of our managed care products but delivers network access locally and across the country.
This plan is ideal for Vermont-based employers that employ out-of-state staff because the group can offer a single health plan to all employees, regardless of where they reside. Members who reside in the BlueCare service area (i.e., Vermont and the bordering counties of New Hampshire) use TVHP providers while out-of-area residents access health care through the national BlueCard network.
NOTE: Eligibility requirements include residency limits.
Benefit Summary
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The Vermont Freedom Plan (PPO)
is a preferred provider organization (PPO) product with two levels of benefits. The plan offers lower out-of-pocket expenses when members seek care from preferred providers within the Blue Cross and Blue Shield of Vermont network or with preferred networks in other states. The plan pays a standard level of benefits with higher out-of-pocket costs when members receive care from non-preferred providers, and may be balanced billed.
Benefit Summary
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BlueCare Options (POS)
is a point-of-service (POS) plan that offers the same in-network benefits as our HMO plans, but provides a second, “standard” level of benefits for employees who want the flexibility of seeking care and services outside of the HMO network. Standard benefits require members to share more in the cost of their care through deductibles and coinsurance, but the option gives members peace of mind.
Benefit Summary
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HSA Blue Comprehensive