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Health & Dental

2019 Open Enrollment Presentation

2019 Open Enrollment Benefits Guide (pdf)

Health Care, Dental and Vision Benefits

Holy Cross offers comprehensive health and dental insurance coverage to employees who are regularly scheduled to work at least 27 1/2 hours per week, 40 weeks per year. You are eligible to participate in these programs the first of the month on or after date‐of‐hire and enroll in a plan during the College's 1-month open enrollment period (typically held in late fall).

The College offers two Health Maintenance Organizations (HMOs) to provide health care coverage to our faculty and staff.  The HMOs are:  Fallon Community Health Plan and Harvard Pilgrim Health Care.  (Under the Fallon HMO you are offered a choice of two health care options:  Fallon Direct Care and Fallon Select Care.)  Typically when you join an HMO, you must live within its service area and agree to use the doctors and healthcare facilities associated with the plan.  There are no waiting periods for benefits or pre-existing condition clauses (i.e.: maternity benefits) once enrolled in a health plan.  

Holy Cross offers one dental plan: Delta Dental.  The Delta Dental plan covers preventive, basic, and major services.

Vision Care Benefits

Employees have an opportunity to purchase voluntary vision care benefits, when you are first eligible. We offer two plan options to choose from; one covers eyewear only and other plan option covers an annual eye exam plus eyewear. Note that routine eye exams are currently covered under all Holy Cross medical plan options.  See the Vision Care Benefit Summaries below for the plan details of each option.

Having Trouble Choosing a Plan?

If you are new to Holy Cross (or a prospective employee) and you are having difficulty choosing the health plan that's right for you, please view the document below.

Medical Expense Reimbursement Plan (MERP)

The Medical Expense Reimbursement Plan (MERP) works in conjunction with the Fallon Health and Harvard Pilgrim traditional HMO and PPO plans (the high deductible health plans do not qualify). The College has decided to implement this plan to help offset a portion of the expense associated with new inpatient hospital ($250) and day surgery ($125) copays that have been added to the traditional HMO and PPO benefit plan offerings.

For each employee or family member enrolled in one of the College’s eligible health plans as described above, the College will reimburse a portion of the required copayment paid for services incurred as a result of an inpatient hospital stay or outpatient/ambulatory day surgery. The MERP will reimburse the employee $125 per inpatient admission copay and $50 per day surgery copay that they pay throughout the plan year.

Please see the links below for more information regarding the plan and receiving reimbursement.


Medicare Part D Notice of Creditable Coverage

Please read this notice carefully and keep it where you can find it. This notice has 
information about your current prescription drug coverage with the College of the Holy 
Cross and about your options under Medicare’s prescription drug coverage. This 
information can help you decide whether or not you want to join a Medicare drug plan. If 
you are considering joining, you should compare your current coverage, including which 
drugs are covered at what cost, with the coverage and costs of the plans offering 
Medicare prescription drug coverage in your area. Information about where you can get 
help to make decisions about your prescription drug coverage is at the end of this 

Summary Annual Report

Fallon Community Health Plan Mobile Application

 Fallon Value Added Benefit Programs

Dental, Vision and Hearing Discounts Offered Through the Higher Education Consortium of Central Massachusetts