Health Insurance
COST INFORMATION
The Ipswich Public Schools offers the following health plans to employees, and contributes 65% of the total cost. Therefore, the employee is responsible for the remaining 35%.
Please note that depending on your pay frequency, the below rates will vary from what you see on your paycheck, and will be calculated into your deductions per pay period. For a specific deduction amount, please see HR for the FY24 Deduction Sheet.
Below is a breakdown of the employee monthly premiums for FY24 (July 1, 2023-June 30, 2024).
Tier Level HMO Blue New England Option PPO Blue Care Elect Option
Individual $357.25 $476.19
Family $953.06 $1,221.42
PLAN DIFFERENTIATION
The choice between HMO and PPO depends on your preferences, healthcare needs, and budget. The primary differences between BCBS HMO and PPO plans are related to network structure, cost-sharing, and flexibility. HMO plans often have lower premiums and more restrictions on provider choices, while PPO plans provide a broader network and greater flexibility, but they come with higher costs.
Be sure to carefully review the details of the specific BCBS plan you are considering to understand the exact terms and benefits it offers.
HEALTH REIMBURSEMENT ACCOUNT
In order to keep your medical benefits costs as affordable as possible, the Town of Ipswich sponsors a Health Reimbursement Arrangement (HRA). This plan runs from July 1 to June 30 of each year. Eligible expenses must be incurred in the plan year. You must be on Ipswich Public School's health insurance to participate.
ADDITIONAL BLUE CROSS BLUE SHIELD BENEFITS
There are many additional bonuses that come with being a member of BCBS’s medical insurance plan. Below are a few:
Fitness Reimbursement: Receive up to $300.00 back each year for participating in qualified gym and fitness programs.
Weight-Loss Reimbursement: Receive another $300.00 back each year for participating in qualified weight-loss programs, including WeightWatchers and hospital-based programs.
Free 24 hour nurse phone line at 888-247-BLUE (2583)
Discounts: Naturally Healthy Rewards: 5-25% discount on approved nutritionists, acupuncturists, and massage therapists. blue-365.com
Free apps, such as Goal Getter, EatBetter, and Blue National Doctor and Hospital Finder.