This plan has two levels of doctors. The Inner Circle consists of BMC providers and facilities, as well as designated providers outside BMCRF. Doctors and facilities that are part of Harvard Pilgrim's network form the second level, called the Expanded Circle.
When you enroll you select a primary care physician (PCP) from the Inner Circle. Your PCP will provide or arrange care for all of your medical needs, including referrals to specialists (some services, such as an annual eye exam, do not require a PCP referral).
When your PCP refers you to an Inner Circle provider for care you receive higher level of benefits. If your doctor refers you to an Expanded Circle provider, you have a lower level of coverage.
Premium cost: Low
(amount deducted from your pay)
Potential for out-of-pocket costs: Low
(deductibles, coinsurance, etc.)