Which plan is right for you?
Choosing your plan is an important decision. Download this guide to compare plans side-by-side
What is my contribution?
This chart shows your bi-weekly contribution amount for medical, dental and vision plans
Member Guide
In our Member Guide, you will find a benefit summary, provider network information, member perks, and more.
View guide - coming soon
Medical Plans Presentation
An overview of Point32Health 2026 medical plans
This plan offers both in-network and out-of-network coverage. This plan has a deductible – the lowest deductible among the three 2026 offerings. Members are not required to select a PCP or obtain referrals for specialty care. In-network providers and facilities include Harvard Pilgrim’s network in Massachusetts, New Hampshire and Maine, and our national partner’s network, UnitedHealthcare Choice Plus, for the remaining states. Members may see out-of-network providers, providers who do not contract with Harvard Pilgrim or UnitedHealthcare, and pay a higher cost for services covered by the Plan.
Plan documents
This plan offers both in-network and out-of-network coverage. This plan has a mid-level deductible. Members are not required to select a PCP or obtain referrals for specialty care. In-network providers and facilities include Harvard Pilgrim’s network in Massachusetts, New Hampshire and Maine, and our national partner’s network, UnitedHealthcare Choice Plus, for the remaining states. Members may see out-of-network providers, providers who do not contract with Harvard Pilgrim or UnitedHealthcare, and pay a higher cost for services covered by the Plan.
Deductible costs can be offset with your Health Savings Account (HSA). Point32Health contributes $500 (individual) and $1,000 (family) to this account as your employer. (IRS Restrictions apply for Medicare Part A eligible.)
Plan documents
Fidelity HSA information
This plan offers both in-network and out-of-network coverage. This plan has a deductible – the highest deductible among the three 2026 offerings – and the lowest premium. Members are not required to select a PCP or obtain referrals for specialty care. In-network providers and facilities include Harvard Pilgrim’s network in Massachusetts, New Hampshire and Maine, and our national partner’s network, UnitedHealthcare Choice Plus, for the remaining states. Members may see out-of-network providers, providers who do not contract with Harvard Pilgrim or UnitedHealthcare, and pay a higher cost for services covered by the Plan.
Deductible costs can be offset with your Health Savings Account (HSA). Point32Health contributes $500 (individual) and $1,000 (family) to this account as your employer. (IRS Restrictions apply for Medicare Part A eligible.)
Plan documents
Fidelity HSA information
- To ensure accurate claims processing, give this flyer to providers outside MA/ME/NH
- Sample Member ID Card
- Healthy Weight program
- Over-the-Counter Medication Flyer
- Premium 4-Tier Pharmacy Flyer
- LGBTQ+ Benefits Guide
- ACA Preventive Care Services Notice
- Notice of Travel Reimbursement
- Travel Benefits Form
- Reduce My Cost
- Know Your Care Options
- Behavioral Health Navigation
- Prescription order form
Point32Health offers two dental plans – Standard and High administered by Delta Dental of Massachusetts. The plans combine two of Delta’s national networks, the Delta Premier Network and the Delta Preferred Network.
To determine which plan is right for you (and your covered dependents), review the summary which provides a side-by-side comparison including the calendar year maximum per member, deductible and coverage information.
View presentation
View rates
Subscriber Certificate
Orthodontia
For more information about the dental plan, visit the Delta Dental website.
Rollover Max from Delta Dental
A Delta Dental benefit feature that lets you roll over part of your unused spending in one year to increase your benefits for the following year, and beyond.
Additional Delta Dental resources
The EyeMed Vision Care plan is a voluntary benefit that offers employees coverage and discounts for annual eye exam, lenses, frames, contacts, and Lasik surgery. This benefit is available to eligible employees and is separate from discounts that may be offered through the medical plans. View EyeMed’s Insight Network at EyeMed.com and follow the “Find an Eye Doctor” link.
Review coverage and discounts in the EyeMed Vision Care Plan (Group #1034377)
More from EyeMed
Ovia Health is an individual and family health and wellness program designed to guide a member through some of life’s biggest transitions: planning and starting a family, navigating pregnancy, balancing life as a working parent, and managing menopause.
Taking a class or course is a great way to build your confidence and prepare for childbirth and early parenthood.
Use the confidential HYKE Online Decision Support Tool to help you select the best plan for you and your family.
Email SmartStart at [email protected] to ask questions regarding your medical or pharmacy benefits.
Call SmartStart at 866-874-0817 to discuss your unique complex medical or pharmacy concerns with clinical experts.
A health care flexible spending account is a tax-advantaged account that allows you to set aside a portion of your earnings to pay for qualified expenses with pre-tax payroll deductions:
- You can use funds in your account to cover qualified expenses for you and your eligible dependents that are not reimbursed by any medical, dental, vision, or other benefit plan.
- Employees can contribute up to the IRS annual maximum allowed. The annual election is evenly deducted from your paychecks throughout the year.
- Once you have made your election, the IRS does not allow changes mid-year unless you experience a qualifying life event.
- The entire annual amount you elect will be available immediately on your debit card.
- You are not eligible to enroll in a Health Care Flexible Spending Account (FSA) if you are covered by a High-Deductible Health Plan (HDHP) that allows participation in a Health Savings Account (HSA).
- Use it or Lose it: To avoid forfeiting your pre-tax payroll contributions, eligible claims incurred during the plan year or through the 2 ½ month grace period (ending March 15 the following year), must be filed for reimbursement by 4/30.
Medical FSA handout
Grace period handout
Manage your Wex account
Eligible Expenses | Benefits | WEX Inc. (Filter by Plan = Medical FSA)
What is an FSA Health & DCA
2026 Point32Health Annual Limits
A Limited Purpose flexible spending account is a tax-advantaged account that allows you to set aside a portion of your earnings to pay for qualified expenses with pre-tax payroll deductions:
- You can use funds in your account to cover qualified expenses for you and your eligible dependents that are not reimbursed by a dental or vision plan.
- Employees can contribute up to the IRS annual maximum allowed. The annual election is evenly deducted from your paychecks throughout the year.
- Once you have made your election, the IRS does not allow changes mid-year unless you experience a qualifying life event.
- The entire annual amount you elect will be available immediately on your debit card.
- A Limited Purpose FSA can be used in conjunction with a Health Savings Account.
- Use it or Lose it: To avoid forfeiting your pre-tax payroll contributions, eligible claims incurred during the plan year or through the 2 ½ month grace period (ending March 15 the following year), must be filed for reimbursement by 4/30.
Medical FSA Handout
Grace Period Handout
Manage your Wex account
What is an FSA Health & DCA
2026 Point32Health Annual Limits