The Retailers Association of Massachusetts Health Insurance Cooperative (RAMHIC) is the Association’s program designed to reduce health insurance costs for its small business members. Authorized by state law, RAMHIC utilizes the increased purchasing power of the RAM membership to negotiate with health insurance carriers to obtain and offer discounted health insurance coverage. The 2017 discount for all plans purchased through RAMHIC is set at 1%. RAMHIC also assists members and their employees to reduce overall health care costs through comprehensive wellness programing designed to create a healthier and more educated consumer of health care.
As a small business group purchasing cooperative regulated by the Massachusetts Division of Insurance, RAMHIC has established rules which reflect both the governing law, and our vision for success. To join and retain membership in RAMHIC the following criteria must be met:
Download RAMHIC Frequently Asked Questions.
Steps To Apply
1. Contact Carriers or have your broker request a quote
Plan Option - Network
QHD 2000 HSA - Direct Care | Select Care | Preferred Care
Blue Cross Blue Shield of Massachusetts
2. Fill out the RAMHIC membership enrollment forms
Please note all documents must be completed and submitted back to RAM via email at email@example.com, by fax: 617-523-4321 or standard mail to 18 Tremont Street, Suite 810, Boston, MA 02108.
Businesses enrolled in RAMHIC are required to maintain a wellness participation rate of 50% of their covered employees. Covered employees shall satisfy this requirement by participating in the wellness program offered as part of their health plan by their selected insurance carrier—My Healthy Health Plan for Fallon Health and Healthy Actions for Blue Cross Blue Shield of MA.
Specific program participation requirements may be found in section 9 of the RAMHIC member agreement.
Additional Savings through Healthy Actions
For BCBSMA members, Healthy Actions offers covered employees significant financial incentives for participating in the program thus making it easier for businesses to meet RAMHIC’s wellness participation requirement. In addition, Healthy Actions also provides businesses the opportunity to earn additional year end savings (up to 7.5%) based on the percentage of covered employees participating in wellness. Click here to learn more.