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Friday, March 27, 2015  
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Fallon Community Health Plan (FCHP)

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Yes   No
We do not have information about existing policies.

If you are living in Massachusetts and are looking for one of America’s top health plans, you have come to the right place. Fallon Community Health Plan can definitely help you – they have a broad range of individual health insurance plans to choose from.

Many people have group health insurance, but it is not unusual to need individual coverage. It may seem confusing at first, but once you know the reasons for the difference in premiums, you won’t feel so bewildered. Let’s explain – there are four items you choose when setting up a health plan that contribute to the annual cost of health insurance: annual deductible, range of services, accessibility of doctors, and coinsurance (costs you shoulder out-of-pocket). Each of these varies according to how much coverage you are looking for.

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Fallon Community Health will help you decide which plan is best for you and help you structure it to suit your unique needs. For residents of Massachusetts, FCHP offers the following plans.

Fallon CHP Individual Health Plans

FCHP Direct Care

Provides HMO (Health Maintenance Organization) care with several options for plan design. There are no co-payments for routine care with your personal care physician or gynecologist. Most of your care is through the Direct Care network of health care providers. Plan includes extra features.

FCHP Select Care

Features an HMO and the added availability of the large Select Care network of health care providers in your region of service. When you choose your primary care physician from the Fallon Clinic, you may self-refer yourself to any specialist within the Clinic also. There are several options for plan design. Extra features are included with this plan.

FCHP Flex Care

Provides a POS (Point of Service) plan with access to the Direct Care network associated with the HMO. You also have the choice to seek care from outside the network but at a greater out-of-pocket cost. You have extra features with this plan, plus bonus benefits.

FCHP Select Care

Provides a POS (Point of Service) plan with access to the broader Select Care network associated with the HMO. You can choose to see doctors outside of the network, but it will cost you more out-of-pocket. Extra features are included, as well as bonus benefits.

Fallon Senior Plans

These are Medicare Advantage health plans. Each provides your Medicare coverage, as well as the additional benefits associated with each plan. Your care is obtained through the FCHP networks of health care providers. With some plans, you may seek care outside of the networks. The plans include: Senior Saver Plan, Senior Plan Standard, Senior Plan Plus, and Senior Plan Preferred.

Fallon Preferred Care PPO

Assures your healthcare through a country-wide network of health providers or the Fallon Clinic. Care you receive through the network professionals will provide you with the highest benefits. The network includes over 15,000 providers in Massachusetts in addition to the Fallon Clinic providers. You also have out-of-network coverage.

Major Medical

Offers traditional indemnity health insurance. Here, you can seek care from any physician you want. After paying your annual deductible, insurance will pay 80% coinsurance for covered services. Plan includes extra features.

FCHP Independent Care

A guaranteed issue health plan, where you are accepted regardless of your medical history. You have a choice of health provider networks, hospital services, prescription drug coverage, and wellness features.

FCHP Independent Care 1000

Adds an out-of-pocket deductible and does not include prescription drug coverage. This allows the plan to be offered with a lower premium.

FCHP MassHealth and Elder Service Plan

Both offered by Fallon Community Health Plan to low-income qualifying residents of Massachusetts.

Fallon Community Health Plan Office Location

10 Chestnut Street
Worcester, MA 01608

Are you over 65?
Yes   No is not associated with Medicare or the Center for Medicare and Medicaid Services. The Center for Medicare and Medicaid Services has neither reviewed nor endorses this information. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult

A Medicare Advantage plan is a health plan provided through a private insurer and delivering Medicare Part A and Part B benefits. A Part D Drug plan is a prescription drug plan provided through a private insurer and delivering Medicare Part D benefits. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage. The sales agent that will be discussing plan options with you is either employed or contracted by an agency that sells Medicare plans, a Medicare health plan, or a Medicare prescription drug plan that is not the Federal government. Submitting our form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement plan or other Medicare plans.

Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company profiled on this site.

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