The Institution provides group medical and dental coverage to all regular employees. The Institution and employee share in the cost of the coverage.
Emergency treatment is covered when the member is outside the service area.
There are no deductibles or claim forms. The provider network is Blue Cross national and internation network. Each member may select any health care provider, including specialists and hospitals. It is very much like the HMO except no referral is needed to any provider in the network. The coverage areas is limited to most of Massachusetts.