Health/Prescriptions
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- Medical Coverage
- Prescription Coverage
- Wellness Program
- Personalized Benefit Programs and Participant Resources
- High Deductible Health Plan & Health Savings Account
- Virtual Care
- Vision Care
- Medicare Primary Payer Program
- ACA Compliance
- Natural Family Planning
- Legal Notices
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Blue Cross Blue Shield of Massachusetts and CVS/Caremark serve as the administrators for the Roman Catholic Archdiocese of Boston Lay Health Plans. The RCAB Health Benefit Trust offers the choice of three Health Plan options: Enhanced, Basic, and High Deductible Health Plans.
The Health Plan is a Preferred Provider Organization (PPO) Plan. Employees may visit providers in the Blue Cross PPO network for the highest level of coverage. Employees may also receive care outside of network at a higher cost.
Employees can log in to MyBlue (online Blue Cross Blue Shield account) by visiting
member.bluecrossma.com/login. To see if a doctor, hospital, or provider is in-network, or to find a new one, employees can visit the BCBS Find a Doctor & Estimate Costs tool to search by name, hospital, or specialty. Choose "PPO or EPO" from the network drop-down menu.
The following documents provide FAQs on the RCAB Health Plans and information on the three Blue Cross Plan options:Health Plan - Summary of Benefits Coverage
Federal law requires that we deliver the Summary of Benefits and Coverage (SBC), which describes the features of the RCAB Health Plan. The SBCs for each plan option are listed below:For more information about the SBC, an explanation for why you are receiving the SBC, and other material on applicable federal law, please visit healthcare.gov.
Information about out-of-pocket costs under the Enhanced, Basic, and High Deductible Health Plans is available at the links below:
Keep in mind that employees and their spouses can take advantage of many opportunities to cover their health care expenses. Enrolled employees and spouses can each earn up to $1,000 into their Health Equity Health Reimbursement Arrangement Account plus a Wellness Reward of up to $150 for reimbursement of wellness expenses. Learn more by visiting the Wellness page.
Additional information and resources:
List of Current Health Benefit TrusteesBlue365 Discounts
Enjoy discounts on products and services that help support a healthy lifestyle by joining Blue365, a Blue Cross Blue Shield member discount program. Visit blue365deals.com to create an account and start saving. Your log in credentials will be different than your credentials for signing in to MyBlue. More information about the program can be found at blue365deals.com/BCBSMA/frequently-asked-questions.
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Employees enrolled in the RCAB Health Plan automatically receive prescription drug coverage administered by CVS/Caremark.
Use the CVS/Caremark Pharmacy Locator to find an in-network pharmacy to refill your prescription drugs.
The following summaries describe prescription drug benefits at a glance, including co-pays, for the Enhanced and Basic Plans. For in-network prescriptions under the High Deductible Health Plan (HDHP), the deductible applies first and then 20% co-insurance. There are no prescription co-pays under the HDHP.
Click here for information on cost savings for 90-day supplies of certain medications, available through CVS Maintenance Choice.
Estimate your out-of-pocket costs for prescription medications before you go to the pharmacy by using the links below:
PrudentRx Program
The PrudentRx Program helps you save money and reduce your out-of-pocket cost for covered specialty medications. If enrolled in the program, your out-of-pocket cost for specialty medications will be $0. PrudentRx works with drug manufacturers to obtain co-pay card assistance if there is a co-pay card program for the prescription. If there is no co-pay card for your prescription, the out-of-pocket cost for your specialty medication will still be $0 if you enroll in the PrudentRx program. To access the Exclusive Specialty Drug List, visit PrudentRx Specialty Drug List.
If a PrudentRx representative contacts you, please respond as soon as possible (1-800-578-4403) so that you can take advantage of these cost savings. Otherwise you will be deemed to have opted out of the program and will be responsible for 30% of the cost of the specialty medication.
Additional CVS/Caremark Resources:
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The RCAB Health Benefit Trust offers programs designed to address weight management and prediabetes, diabetes, and mental health. Learn more about these programs below:
Omada
Omada is a virtual care program that provides the tools and support to participants with chronic conditions need to reach their health goals. Employees, spouses, and dependents age 18+ enrolled in the RCAB Health Plans must take a short risk screening assessment to determine eligibility to participate in the program. Omada provides interactive lessons, health coaching, peer group support, an integrated mobile app, and a cellular-enabled scale to help participants lose weight, reduce the risk for developing type 2 diabetes, and improve overall health.To learn more about Omada and determine if you are eligible, visit omadahealth.com/rcab
Livongo
Livongo combines smart blood glucose meter technology with coaching from a Certified Diabetes Educator (CDE) to help eligible participants manage diabetes more easily. The Livongo program is offered at no additional cost to employees, spouses, or their dependents (18+) if they are enrolled in one of the RCAB Health Plans. The program also offers free supplies, like lancets and strips, to those enrolled in the program, 24/7 CDE assistance, fast biometric feedback, and the ability to connect directly with a doctor.
Employees and spouses enrolled in the RCAB Health Plans who are eligible for the program will receive an invitation from Livongo. Find out how to sign up!Learn to Live
Learn to Live is an online, self-directed program designed to help participants address stress, anxiety, depression, substance abuse, insomnia, panic disorder, resilience, and/or social anxiety. Employees enrolled in one of the RCAB Health Plans (and their spouse and dependents age 13 and older) are invited to complete a short mental health questionnaire and, based on these results, Learn to Live will recommend a program that best suits their needs. The program uses cognitive behavioral techniques and resources to help improve mental health. Participants can access Learn to Live on their phones, tablets, and computers 24/7, and enjoy access to coaches and peer groups. All information collected by Learn to Live is treated confidentially.- SIGN UP and Learn More [Access Code: RCAB] or download the Learn to Live app.
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The RCAB High Deductible Health Plan (HDHP), offered through Blue Cross Blue Shield of Massachusetts, is a Plan with a deductible that must be satisfied before any services (excluding those considered “preventive”) are covered. The HDHP provides 100% coverage for preventive care, like annual check-ups, vaccines, cancer screenings from in-network providers, and preventive medications. For other medical services and prescriptions, you must satisfy your deductible before the RCAB HDHP starts to pay, and then you pay co-insurance. Once you meet the annual out-of-pocket maximum, you pay nothing. There are no co-pays under the HDHP. The following documents provide more information about the HDHP:
Health Savings Account
If you enroll in the RCAB HDHP, a Health Savings Account (HSA) is automatically set up for you through HealthEquity. You can use your HSA to pay for deductibles, co-insurance, and other qualified medical expenses. See a list of HSA-eligible medical expenses.
You can defer funds from your paycheck on a pre-tax basis into your HSA, up to the annual legal maximums (adjusted annually for inflation). Through participation in the RCAB Health Benefit Trust Wellness Program, you may also earn up to $650 if enrolled in an individual plan or up to $1,300 (if you and your spouse are enrolled) in HSA contributions for the 2024-2025 Plan Year. Legal maximums include both employee and employer contributions.
Individual (2024) Family (2024) HSA Contribution Limit (Employers & Employees) $4,150 $8,300 HSA Catch Up Contribution (age 55 or older) $1,000 $1,000 Limits and tax penalties may apply if you leave employment or disenroll from the RCAB HDHP prior to December 31, 2025.
If you were enrolled in one of the RCAB Health Plans and had a Health Reimbursement Account (HRA) with HealthEquity, review the HRA vs. HSA Comparison chart for further explanation about how the HSA differs from an HRA.
Is the HDHP Right for You?
Compared to the Enhanced and Basic Plans, the HDHP has a lower premium and payroll deduction. The HDHP is only an option if you: (1) are under age 65/not enrolled in Medicare; (2) are not covered by any other health plan that is not an HDHP; (3) are not claimed as a dependent on another person’s tax return; and (4) do not contribute to or have unspent amounts in your Health Care Flexible Spending Accounts (FSA/or spouse’s FSA).
The HDHP could be a reasonable choice for employees with few or no health conditions who don’t anticipate needing surgery, costly medical procedures, or prescriptions, and who have enough in savings to cover the high deductible and co-insurance in case of an emergency. More information that can help you decide if the HDHP is the right option for you can be found in the High Deductible Health Plan Frequently Asked Questions. You may also view and listen to a presentation on the HDHP and HSA below.
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Well Connection - Telehealth
Employees and family members enrolled in one of the RCAB Health Plans can visit doctors and other providers, using a laptop, smartphone or other device with a camera, microphones, and speakers by accessing Well Connection in their MyBlue account.- Sign in to your MyBlue account, or create one, at member.bluecrossma.com/login
- Go to My Care
- Select Well Connection Video Visits under Remote Care
- Choose the type of care you need
- Start or schedule your visit.
- Get more information about Well Connection.
Catholic Benefits Nurse Line
Call 1-888-247-2583 to speak to a registered nurse anytime 24/7. Seek guidance on routine medical questions or whether further medical attention is needed. Click here for additional information.
Virtual Primary Care
The RCAB Health Plan offers a new kind of primary care that is convenient and engaging. Select a virtual PCP (either Firefly Health or Carbon Health) to lead your Virtual Care Team that is made up of a PCP, care coordinator, and other experts, such as a mental health specialist. You can contact your Virtual Care Team with questions by phone, text, email, and video chat. When you do need in-person care, your team will help you find a specialist. Schedule visits online and appointments will be available in days rather than weeks or months.
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Vision Care with Blue Cross
The Enhanced, Basic, and High Deductible Health Plans offer a no-cost annual eye exam as long as members use a Blue Cross in-network vision provider. In addition, Blue Cross offers discounts on lenses, frames, and services such as Lasik through its Blue365 program.
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The RCAB Health Plan covers many locations with less than 20 employees, considered by Medicare to be “small employers.” For these locations, employees age 65 and older will have their health care costs covered first by Medicare and second by the RCAB Health Plan. The Benefits Department will contact employees and spouses who qualify for the Medicare small employer exception to explain the enrollment process.
Estimate your out-of-pocket costs for prescription medications before you go to the pharmacy by using the links below:
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Costs for members with RCAB Enhanced Plan with Medicare Primary
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Costs for members with RCAB Basic Plan with Medicare Primary
More Resources:
SHINE (Serving the Health Insurance Needs of Everyone)
The SHINE Program assists seniors and individuals with disabilities in understanding their Medicare and MassHealth benefits and other health insurance options. The SHINE program ensures that Massachusetts residents with Medicare and their caregivers have access to accurate, unbiased and up-to-date information about their health care options.
SHINE counselors are available throughout the state at local Councils on Aging, senior centers, elder service agencies, hospitals and other community based agencies. SHINE counselors are available to meet with individuals in person through one-on-one counseling, via telephone, email and through public education presentations. To schedule an appointment with a counselor, call: 1-800-AGE-INFO (1-800-243-4636) and press 3 or visit the website for a telephone directory by town. -
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Employees who worked fewer than 30 hours/week in a calendar year, and those who worked for employers with fewer than 50 full-time employees, will not receive copies of 1095-B or 1095-C forms this year. Copies of forms for these employees will instead be mailed upon request. Please contact the Benefits Department at [email protected], or 66 Brooks Drive, Braintree, MA 02184, to submit a request. For questions, please contact the Benefits Department at 617-746-5640. For copies of 1099-HC forms, employees must call Blue Cross Blue Shield of Massachusetts directly, at (800) 832-3871.
For more information about a 1095-C form that you received, please review these Frequently Asked Questions.
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NFP, or natural family planning, is an umbrella for certain methods used to achieve or avoid pregnancy. These methods are based on the observation and interpretation of the naturally occurring biological markers of the fertile and infertile phases of a woman's menstrual cycle. NFP is distinct from calendar rhythm, is applicable to all women, and can be used at any stage of a woman's reproductive life.
What is Natural Family Planning? from Archdiocese of Boston on Vimeo.What NFP services are covered under the RCAB Health Plans?
The RCAB Health Plans cover family planning services provided by a community health center, general hospital, physician, nurse practitioner, or nurse midwife. Covered services include:
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Medical exams for NFP;
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Counseling and instruction in NFP to avoid pregnancy; and
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Procreative counseling and advice using NFP
An in-network provider claim submitted by an employee/spouse/dependent enrolled in the RCAB Health Plan is processed in the same manner as any other in-network provider claim. Payment would not be required up front for this service. If service is with an out-of-network provider, the employee/spouse/dependent may be required to pay up front and submit a claim to Blue Cross Blue Shield of MA with itemized receipts for reimbursement.What are some types of products that can be purchased with HRA or HSA dollars?
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Fertility monitor
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Fertility test sticks
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Ovulation predictor kit
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Prenatal vitamins recommended by a medical practitioner
See a more comprehensive list of IRS-eligible medical expenses.
Natural Family Planning Resources
Natural Family Planning Webinars
- Dr. Kerry Pound on NFP: What is the Church Doing in our Bedroom?
(PW: TiLNFP2021!)
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This website is intended to provide Administrators and members with general information about various aspects of the Roman Catholic Archdiocese of Boston Benefit Trusts. In case of any discrepancy between this website and the official Plan documents, the Plan documents will govern. The Roman Catholic Archdiocese of Boston Benefit Trusts reserve the right to amend or terminate any benefit plan at any time, with or without notice.
Transparency in Coverage Requirement
As mandated by the federal Transparency In Coverage Rule, the RCAB Health Benefit Trust is making available to enrolled employees and the public the claim costs Blue Cross Blue Shield of Massachusetts paid to in-network providers for the RCAB Health Plans’ medical services. Data is also being made available detailing the out-of-network allowed amounts (i.e., the fees covered and/or services provided by out-of-network providers) and the associated billed charges. This data is accessible at transparency-in-coverage.bluecrossma.com in the form of machine-readable files.
Unfortunately, most people will be unable to download and read the files because certain technical system requirements must be in place in order to download and read these files. To access the machine-readable files, for File, select Self-Insured TOC. For Plan Type, select EIN and enter Employer Identification Number 550813177. Filter the files by selecting the product type - Preferred Provider Organization. Select Download. The best way to view the cost of medical services covered by the RCAB Health Plans is to access the Blue Cross Blue Shield cost estimation tool in MyBlue found at member.bluecrossma.com/fad.Additional Legal Notices:
by Blue Cross Blue Shield of Massachusetts and CVS/Caremark. Employees enrolled in the Health Plan automatically receive prescription drug coverage, administered by CVS/Caremark. 
