There’s nothing bare-bones about Basic, our premier plan option. This plan gives you peace of mind, knowing you’re covered – wherever you live and wherever you get your health care services.
As a Basic member, you can use any doctor or hospital, anywhere in the world, and you never need referrals for office visits with specialists. To avoid being balance billed by a provider outside of Massachusetts, be sure to use a contracted medical provider. You can also avoid balance billing by using a behavioral health network provider in any state
You also have nationwide coverage with contracted providers for medical care while you travel, plus coverage for your dependents who attend school out of state. These contracted providers will not balance bill you for charges over UniCare’s allowed amount.
As with all of our plan options, you don’t have to select a PCP (primary care provider), but it’s a smart idea. Primary care is designed to keep you well, not just to deliver care when you’re sick or hurt. Your PCP can also help you stay healthy and learn about possible health issues at an early stage. He or she can coordinate services if you need more extensive care. Because your PCP knows you and your health history, he or she can make decisions and offer guidance based on what’s best and works for you. Learn more.
Should I select the CIC (Comprehensive Insurance Coverage) option? Yes. More than 98% of Basic members choose CIC. Members who do not select CIC may be subject to significant medical bills since many benefits are covered at 80% without CIC.
Summary of Benefits and Coverage (SBC) – Check the SBCs for the Basic plan options to get an easy-to-understand breakdown of your coverage.
Compare our plans – For help with deciding which of our non-Medicare plans (Basic, PLUS or Community Choice is right for you:
Get an overview of the UniCare State Indemnity Plan and our four health plan options.
Save with Tier 1 and Tier 2 specialists – Basic members can see any primary care provider or specialist. You'll have lower office visit copays for specialty care when you see Tier 1 and Tier 2 specialists in Massachusetts. Get details on our physician tiering program for Basic and our other non-Medicare plans.