The following is a summary of the benefits available to benefit eligible physicians of the CHA Physicians Organization (CHAPO). Benefits are effective the first day of employment. Enrollment must be completed within 30 days from date of hire.

A portion of health and dental premiums are covered based on the number of hours a position is budgeted. Please note the following for enrollment:

  • Employees enrolling in a Family Health and/or Dental Plan need to submit a copy of their Marriage Certificate if adding a spouse
  • If adding a Domestic Partner, a Domestic Partnership Affidavit must be provided. The IRS requires you to pay taxes on the value of your domestic partner’s health and dental benefits
  • Birth Certificates for each dependent child
  • Children can be on your health plan up to age 26 and on your dental plan up to age 19. If the child is a full time student they can be covered on dental plan up to age 25. Verification of full time student status will need to be provided at the beginning of each semester

Click the toggles below for more details.

Health Insurance

Employees may choose from two plans:

  • CHA Option (HMO) – requires that all covered members have a CHA Primary Care Provider (PCP) who manages their care and they receive all their care at CHA
  • CHA Choice Plan – a tiered plan that allows employees flexibility as to where they receive services
    • Tier I offers care at CHA or BIDMC and its clinical affiliates with little or no co-pays
    • Tier II includes in-network provider care and requires a deductible and co-pays or co-insurance
    • Tier III allows for out of network provider care with a significant deductible and co-pay

Both plans are administered by Health Plans Inc. a wholly owned subsidiary of Harvard Pilgrim Health Care

Dental Insurance

  • Dental coverage offered through Delta Dental
  • Calendar year maximum per member/dependent is $1,500
  • As a full time employee, 100% of your dental premium is covered
  • As a part-time employee, a percentage of the premium is paid based on number of hours worked

Malpractice Coverage

  • Coverage provided through Risk Management Foundation (CRICO)
  • $5/$10 Million in coverage
  • Modified Claims-Made Coverage

Professional Expense Reimbursement (CME)

  • Time and money provided for Continuing Medical Education Credits
  • Provided on a fiscal year basis (7/1 – 6/30)
  • Pro-rated by FTE and start date

Paid Time Off (PTO)

  • 224 hours of PTO for vacation and sick time
  • 9 paid holidays
  • Pro-rated by FTE and start date

Retirement Plan - 403 (b)

  • A percentage of your pay up to the Federal Limits contributed on a pre-tax basis
  • Transamerica Retirement Solutions is the plan record keeper
  • Match up to 2% of employee’s pre-tax contribution (1/3% for each 1% up to 6% employee contribution)
  • A Discretionary Deposit of up to 2% is voted on annually by PO Board
  • Full vesting after 2 years of service with 1000 hours completed each of the two calendar years
  • Catch-up provision available for employees age 50 and over (these funds not matched)

Short-Term Disability

  • Coverage provided for short-term disabilities from the 7th day through the 90th day of a medically verifiable illness (including medical portion of Maternity Leave)
  • Benefit paid at 70% percent of weekly salary up to $3,000 weekly. Paid on a tax-free basis

Long-Term Disability

  • Coverage is provided for disabilities longer than 90 days and up to age 65
  • The total amount of coverage is sixty percent of monthly salary, with a maximum of $15,000 monthly. Paid on a tax-free basis

Life & Accidental Death Insurance

  • A basic life plan benefit of one and one half times (1.5) your annual salary up to $300,000 for both life insurance and Accidental Death and Dismemberment (AD&D)
  • Additional life or AD&D coverage may be purchased at the employee’s expense
  • Coverage over the guaranteed issue amount requires evidence of insurability

Flexible Spending Accounts

  • Employees may contribute to Flexible Spending Accounts to cover certain expenses with pre-tax dollars
  • Health Care Spending Account – Used to set aside monies to cover out-of-pocket expenses not covered by medical or dental insurance plans
  • Dependent Care Spending Account – Used to set aside monies to cover expenses for child care for a dependent child under the age of 13 which allows you and/or a spouse to work Backup Child Care

Emergency day care benefit provided through Parents-in-a-Pinch

  • Long-term dependent care assistance available via Child Care Resource Center referral service
  • Contact number 855-781-1303 or at

Employee Assistance Program (EAP)

  • Independent employee assistance program, personalized counseling and legal services for employees and any household members
  • Service is confidential and available 24 hours
  • Service provided through KGA (Kathleen Greer Associates), 1-800-648-9557 or 508-879-2093

Additional Benefits

  • Subsidized Parking and MBTA Pass Program
  • MBTA Pass Program subsidized at 55% of the cost of a T Pass or Rail Pass. Savings up to a maximum of $50 per month
  • Transportation department can be reached at 617-806-1516. More information is available on Staffnet

The Cambridge Health Alliance Physicians Organization benefit package is subject to change and all benefits are subject to rules of employee eligibility.