Health Care Plans
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 one-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.
- 2018 Select Care Summary of Benefits and Coverage (PDF)
- 2018 Select Care High Deductible Summary of Benefits and Coverage (PDF)
- 2018 Direct Care Summary of Benefits and Coverage (PDF)
- 2018 Direct Care High Deductible Summary of Benefits and Coverage (PDF)
- 2018 Preferred Care PPO Summary of Benefits and Coverage (PDF)
- 2018 Harvard Pilgrim Summary of Benefits and Coverage (PDF)
Holy Cross offers one dental plan: Delta Dental. The Delta Dental plan covers preventive, basic, and major services.
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.
- 2018 Vision Care Eye-Wear Only Benefit Summary (PDF)
- 2018 Vision Care-Exam and Eyewear Benefit Summary (PDF)
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 implemented 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.
Medicare Part D Notice of Creditable Coverage
The PDF below includes information about prescription drug coverage with Holy Cross and 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 notice.
Fallon Community Health Plan Mobile Application
Fallon Value Added Benefit Programs
- It Fits! Program (PDF)
- Healthy Health Plan (PDF)
- Nurse Connect (PDF)
- Oh Baby! Program (PDF)
- Naturally Well Program (PDF)
- CVS ExtraCare Card (PDF)
- Eye Care Network (PDF)
Dental, Vision and Hearing Discounts
The following dental, vision and hearing discounts are offered through the Higher Education Consortium of Central Massachusetts.
Summary Annual Reports
- 2017 Health and Welfare Plan Summary Annual Report (PDF)
- 2018 Health & Welfare Consolidated Plan Document and SPD (PDF)
Prior to making benefit selections for each new calendar year, faculty and staff have the opportunity to meet with representatives from Holy Cross' health and dental plan providers to discuss options at the Employee Benefits Fair. The fair, held in the fall, is also a great opportunity to meet with local organizations that offer services that engage, entertain, help, and well, benefit you.