The Health Maintenance Organization (HMO) plan offers in-network coverage only throughout New England and requires referrals from a primary care provider (PCP) in order to see specialists.

You must choose a primary care provider (PCP) for you and each member of your family from any New England state.

This plan has a deductible of $375 per member and $875 per family.

Your in-network service area is New England (Massachusetts, Rhode Island, Vermont, Connecticut, New Hampshire, and Maine). If you travel outside this area, you are covered for an urgent or emergency care visit and one follow-up visit. Your PCP must arrange any additional follow-up care.

If while traveling you need routine care (checkups, vaccinations, etc.), you will not be covered.

When traveling internationally, you are covered through the BlueCard Worldwide network. This network lets you get doctor and hospital care from participating providers around the world. If you need to locate a doctor or hospital—or need medical assistance—call the BlueCard Worldwide Service Center at 1-800-810-BLUE (2583). You can also visit www.bcbs.com for a complete list of BlueCard Worldwide doctors and hospitals.