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COST INFORMATION
COST INFORMATION
The Ipswich Public Schools offers the following health plans to employees, and contributes 67% of the total cost. Therefore, the employee is responsible for the remaining 33%.
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 FY25 Deduction Sheet.
Below is a breakdown of the employee monthly premiums for FY26 (July 1, 2025-June 30, 2026).
PLAN DIFFERENTIATION
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.
Network Blue Select:
The HMO Blue Select health plan has a limited provider network. Under this plan, members have access to network
benefits from only the providers in the HMP Blue Select network.
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
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
ADDITIONAL BLUE CROSS BLUE SHIELD BENEFITS
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