Availability of Summary Health Information – Required by Federal health care reform

The health benefits available to you through Harvard represent a significant component of your employee benefits package. They also provide important protection for you and your family in case of illness or injury. Choosing a medical plan coverage option is an important decision, and Harvard provides Open Enrollment information each fall to help you review your options.

This year, in addition to the information Harvard has already sent you, we must provide you with Summaries of Benefits and Coverage (SBCs) as required by Federal health care reform. The required SBCs are prepared by Harvard and the medical plan providers and summarize features common to your medical plan options in a required, standard format to help you compare those options.

Please view your required SBCs below.

The “Having a baby” and “Managing type 2 diabetes” Coverage Examples on the next-to-last page of each SBC illustrate how the medical plan coverage option (HMO, POS or PPO) described in the SBC might cover medical care in these two given situations. The sample care costs shown in each Coverage Example are based on national averages supplied by the U.S. Department of Health and Human Services and are not specific to a particular geographic area or health plan. The Coverage Examples are not cost estimators and thus cannot be used to estimate your own costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your medical plan coverage option allows.

Please note that the SBCs listed below for retirees age 65 or over do not include an SBC for the Tufts Health Plan Medicare Preferred HMO because this option is a Medicare Advantage plan and such plans are not currently required by Federal law to provide SBCs.

If you have any questions about the information contained in your SBCs, please contact the plan provider directly. Contact information is provided at the bottom of each SBC.

Active faculty and nonunion staff
HUGHP HMO (Faculty, Nonunion staff)
HUGHP POS (Faculty, Nonunion staff)
HUGHP POS Plus (Faculty, Nonunion staff)
BCBSMA HMO (Faculty, Nonunion Staff)
BCBSMA POS (Faculty, Nonunion Staff)
BCBSMA POS Plus (Faculty, Nonunion Staff)
BCBSMA PPO (Faculty, Nonunion Staff)
BCBSMA PPO Plus (Faculty, Nonunion Staff)
BCBSMA HDHP (Faculty, Nonunion Staff)

Members of a Union

Washington DC based employees
Kaiser Permanente HMO (DO, CHS & OFR)
CareFirst BlueChoice HMO Open Access (DO, CHS & OFR)
CareFirst BlueChoice HMO Opt-Out + OA (DO, CHS & OFR)
CareFirst BluePreferred PPO (DO, CHS & OFR)

Uniform Glossary of Health Coverage and Medical Terms for All SBCs