1
Choose Your Plans and Coverage Carefully
Use Ask Alex and MyHealthMath to help compare costs and choose the plans and coverage that provide the best value to you and your family.
2
Complete a Biometric Screening & Covid-19 Vaccination
Employees who are enrolled in the medical plan, obtain a biometric screening and get their Covid-19 vaccination will pay less in medical plan contributions.
3
Use Network Providers
You’ll pay less when you use a provider who is part of the medical, dental or vision plan network. See each benefit section for instructions on how to find network providers.
4
Take Advantage of Tax Savings Opportunities
A health savings account (HSA) is designed to help you save for medical expenses that you incur today, or later in life. The health care, limited-purpose and dependent care flexible spending accounts (FSAs) offer a tax-effective way to help pay your qualified health care and dependent care expenses on a pre-tax basis.
5
Practice Prevention
Prevention is key and our medical and dental plans cover many preventive care services at 100% when received from an in-network provider, including:
- Annual checkups and OB/GYN exams
- Routine immunizations
- Health screenings
- Dental exams and cleanings
More information is found throughout this web guide.
6
Use the Home Delivery Prescription Drug Program
This program offers you convenient delivery of maintenance medications (such as blood pressure or diabetes medications). Receive up to a 90-day supply of medication for a reduced cost (and free shipping). Click here for more information.
7
Participate in Wellness Programs
Learn about the wellness resources and incentive programs available to you through the Ready, Set, Go Wellness Program, all designed to help you on the path to better health.
8
Take Advantage of the Dental Rollover
If you submit at least one claim and don’t use your entire annual dental maximum, some of the unused money can be put into a rollover account for you to use for covered dental services in the following year. Click here for more information.
9
Check Out Discounts
There are many additional benefits and discounts available through MAPFRE to help you take charge of your health and to save money. Get discounts on hearing aids, weight loss programs, LASIK vision correction surgery, auto insurance and more! More information can be found throughout this web guide.
Tools to Help You Pick the Right Benefits
With several medical plan options and a variety of benefits to choose from, finding the best plan for you doesn’t have to be complicated. We have tools to help you choose the plans that are best for you and your family.
Ask ALEX®
Picking the right benefit plans for you and your family can be challenging. Getting answers to all your questions – Which medical plan is best for me? How much should I save in my health saving account? Would enrolling in the critical illness plan be good for me? – is key in making the right choice. To make the process easier, we’ve got Alex!
Go to myalex.com/MAPFRE/2022 for help with your benefit questions. Alex will ask you a few questions about your needs, crunch some numbers and point out what makes the most sense for you. And rest assured that anything you tell ALEX remains confidential.
It only takes about 15 minutes!
MyHealthMath (MHM)
This independent, third-party service helps you make strategic decisions about your medical plan options. One quick, confidential one-on-one phone call with an MHM benefit analyst results in a report that shows the most cost-effective health coverage for you.
Go to myhealthmath.com/MAPFRE to schedule an appointment. Once the appointment is scheduled, MHM will call you at your specified time to learn how you plan to use medical services during the coming year. Then, MHM will email you a report detailing which medical plan is optimal for your specific circumstances.
Their goal is to help you choose the medical plan that is right for you and your family. All conversations and the resulting reports are free and confidential.
Cost Estimator
Did you know that the cost of a medical procedure or test can vary at different hospitals, even if the same doctor is providing the service?
Harvard Pilgrim’s treatment cost estimator tool helps you plan for the cost of your care…before you visit the doctor.
- Get personalized cost-sharing estimates, based on your specific plan
- Find cost estimates for hundreds of medical services and treatments—from office visits to surgery
- Learn more about specific medical treatments you may need
- Use the filter to narrow or expand your search results
- Compare costs for up to four providers or facilities
- Save and print estimates
- Better understand how your health plan works
Get Started:
- From your computer, tablet or smartphone, log in to your secure member account at www.harvardpilgrim.org (or click on the link to create an account).
- Click on the Tools & Resources tab at the top of the page.
- Click on Estimate my cost
Click here for more details.
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