RAM currently only offers one health insurance carrier, Fallon Community Health Plan, with three plan designs:

1. Saver Basic I  (1,200 hospitalization and 800 day surgery co-payment)
2. Saver 1000      (1,000 deductible)
3. Saver 2000/500  I  (2,000 deductible and 500 hospital co-payment)

Fallon offers all three of their HMO networks (Select, Direct and the newly formed Steward) and a PPO.   The benefit of obtaining one of these three plans with RAM, versus going direct, is that you receive a 3% discount on the rates.     

Effective October 1st, Blue Cross will be offered as a their second health insurance option.    It will have limited plan offerings, similar to Fallon, with the same 3% discount.     

Let's take a closer look at the charges: 

1.  Annual membership fee:  
2.  Monthly administration fee:   The monthly fee is by coverage (single is $5/month, employee/child is $9/month, employee/spouse is $10/month, family is $15 per month)
3. Wellness requirement:    All businesses enrolled in the Cooperative need to maintain an average annual wellness participation level of 50% for their eligible employees covered by RAM.   If this requirement is not met, they will not be allowed to stay in the Cooperative.

If the 3% discount increases, this may become a more viable option.    Currently, we do not see either Cooperative as a solution for many of our clients.