The Group Insurance Commission (GIC) continues to encourage its members to join a limited network plan. If you live in Massachusetts and are considering this option, take a close look at Community Choice, the statewide limited network plan UniCare has offered since 2004.
Community Choice is a lower-cost option for active employees and non-Medicare retirees and survivors living in Massachusetts. In fact, it has the lowest individual and family premiums of all the non-Medicare plans offered by the GIC for the new plan year.
With Community Choice, you can see any Massachusetts doctor you want without a referral for office visits with specialists. You can choose from 58 hospitals throughout Massachusetts, including Children’s Hospital Boston and Dana-Farber Cancer Institute in Boston. If you want to use a non-Community Choice Hospital, you can do that, too, but at a higher out-of-pocket cost.
When you use a Community Choice hospital – and doctors and services associated with those hospitals – your plan coverage is just as comprehensive as UniCare’s premier indemnity plan (Basic). And, you’ll pay a much lower premium.
With Community Choice, you have nationwide coverage with contracted providers for medical care while you travel, plus coverage for your dependents who attend out-of-state schools. These contracted providers will not balance bill you for charges over UniCare's allowed amount. You can also avoid balance billing by using a behavioral health network provider in any state.
As with all of our plan options, you don’t need 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.
Summary of Benefits and Coverage (SBC) – Check the SBC for the Community Choice plan option 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.
Community Choice hospital listing – When you use Community Choice hospitals, you have lower copays and get 100% coverage. You pay lower copays when you use a Tier 1 or Tier 2 hospital.
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.
Save with patient-centered primary care providers (PCPs) – You have the freedom to see any primary care provider, but starting July 1, 2018, you’ll pay a lower copay ($15) for visits to Massachusetts PCPs who participate in UniCare’s Patient-Centered Primary Care program. The copay for all other PCPs is $20.