Your Coverage Options
There isn't one right answer for every senior care employer. The right fit depends on your group size, claims history, and workforce — nothing here is a guarantee of savings or a recommendation without a full review.
BCBS Massachusetts
Massachusetts' largest carrier, with the state's broadest in-state network plus nationwide and international access.
Learn MoreBCBS Blue Funding
A level-funded option for groups of roughly 10-150 employees seeking more predictable costs with upside potential.
Learn MoreTriad
A small-group program built on the Cigna national PPO network — useful for organizations with staff across state lines.
Learn MoreInCap Captive
A shared-risk captive structure for larger Massachusetts employers, roughly 50-2,000 employees, with potential for surplus return.
Learn MoreAlternatives & the Health Connector
Other fully-insured carriers worth comparing at renewal, plus the Massachusetts Health Connector for very small groups and individual coverage.
Learn MoreProduct availability, underwriting, rates, and network access vary by employer and must be verified at quote time. Fit depends on your specific group size, claims history, and workforce — this page is educational, not a quote.
Not sure which option fits your organization?
Request a review and we'll walk through what's realistic for your group.