Medical Insurance

The City of Malden offers employees medical insurance through Harvard Pilgrim Health Care. Employees have 30 days from their initial date of hire to submit enrollment forms - this includes paperwork for dependents. Please note: insurance is effective 30 days from initial date of hire (ex. hire date 7/17/2021, medical coverage effective date 8/17/2021).

Medical Comparison Chart

Comparison chart of the HMO and PPO options offered through Harvard Pilgrim
Harvard Pilgrim HMO Harvard Pilgrim PPO
Requires you to list a Primary Care Physician (PCP) from their wide network of doctors inside of MA and other New England states Does not require you to list Primary Care Physician (PCP), you can see any doctor you choose
Must receive a referral from PCP to see a Specialist No referral required to see a Specialist
Can be utilized in Emergency rooms and Urgent cares outside of MA Can be utilized anywhere within the United States
You can find the Summary of Benefits here You can find the Summary of Benefits here

Cost Comparison Chart

Plans Offered Individual HMO Individual PPO Family HMO Family PPO
Monthly Premium Rate Cost $214.32 $248.60 $549.64 $644.01
Deductible $500 $1,000 $1,000 $2,000
Tier 1 Co-Pay $10 $20 $10 $20
Tier 2 Co-Pay $20 $40 $20 $40
Tier 3 Co-Pay $30 $60 $30 $60

Forms and other Related Documents

Wellness Program

Employees who have Harvard Pilgrim Health Care insurance through the City of Malden are invited to participate in a points based program that allows them to earn point towards a $500 incentive that is deposited into a Health Reimbursement Account (HRA) Benny card that can be used to pay for out-of-pocket medical and dental expenses.  

The program is designed to inspire you to take care of your physical, financial, emotional and work well-being. Participation in this program is optional, and the program is designed with a variety of wellness activities intended to improve overall health and well-being. 

Due to the COVID-19 pandemic and the given social distancing guidelines and health care access, we want to ensure employees safely earn incentive dollars for participation in the Wellness Program, unfortunately, we will not be able to hold our usual Wellness Screenings to verify Biometrics (BMI, Blood Pressure and Cholesterol). In place of our screenings, Harvard Pilgrim has offered the alternative: Habit Builder Biometric Activities. Each Habit Builder is worth 100 points.

To find out more about the 2021-2022 Wellness Program, click here.