Health care

To help you maintain your health, Klaviyo offers a variety of benefits and resources for you and your eligible dependents, including medical, dental, and vision coverage.


You can choose from three medical plan options through Blue Cross Blue Shield of Massachusetts. Each pays for preventive care at 100%, includes prescription drug coverage, and offers telehealth, mental health care, and a 24/7 nurse hotline. So, whether you just need an annual wellness checkup or you’re dealing with a major illness, your Klaviyo medical plans have you covered.

Compare the plans

All three plans provide comprehensive medical and prescription drug coverage and no-cost in-network preventive care. Note: The PPO and HDHP (PPO Saver) plans are both national networks. The HMO Blue plan is the only one restricted to the states in New England.

Search providers to find a new doctor, or see if your provider is in the network.
Here’s how the plans differ:

HDHP Saver Plan (HSA eligible)
PPO Plan
HMO Plan
HSA company contribution
$1,000 individual
$2,000 family
N/A – not an HSA-eligible plan
N/A – not an HSA-eligible plan
Provider network
National PPO Network
National PPO Network
HMO Blue New England
$2,000 individual
$4,000 family**
Family deductible must be met before coinsurance applies
$500 individual
$1,250 family
$500 individual
$1,000 family
Out-of-pocket maximum (medical)
$6,450 individual
$12,900 family
$4,950 individual
$9,650 family
$4,950 individual
$9,650 family
Out-of-pocket maximum (prescription)
Included in medical deductible
$1,000 individual
$2,000 family
$1,000 individual
$2,000 family
Prescription drugs
After meeting the plan’s deductible, you pay a copay per prescription
The plan deductible does not apply; you pay a copay per prescription
The plan deductible does not apply; you pay a copay per prescription
Cost of premium per paycheck

* Out-of-network benefits are available, but you will pay more out-of-network.
** If enrolled in the BCBSMA HDHP Saver plan, the entire family deductible must be satisfied before benefits are provided for any one member enrolled for coverage.

Biweekly cost of medical coverage

HDHP Saver Plan (HSA eligible)
PPO Plan
HMO Plan
Employee + spouse or domestic partner
Employee + children

MyBlue puts your medical plan in the palm of your hand

Did you know that your medical plan has more benefits than you probably know about? And you can tap into all of them in one place and make ’em work for you—for free!

The MyBlue app is your key to more features and savings:

  • Track your claims and benefits
  • Review your fitness and weight-loss reimbursements
  • Access your medications at a glance
  • Check your deductible at any time
  • Find a doctor, specialist, or local facility
  • Access your medical ID card

Get started!

Download the MyBlue app from the App Store or Google Play, create your account, and you’re ready to go.

Where to go for the right care at the right time

You now have more ways than ever to get expert medical care and advice. But you need to know where to go and when.

If you’re experiencing a life-threatening situation or think you could put your health in danger by delaying care, go to the nearest emergency room, or call 911.

* Content in chart provided by BCBS of Massachusetts.

24/7 nurse line for whenever you need help

It’s 2 a.m. and you have a fever. What do you do? Call the 24/7 nurse line to speak to a registered nurse, when you need to, day or night. Nurses can provide advice on:

  • Treating a fever, cut, headache, or diarrhea
  • Managing a new diagnosis
  • Recognizing signs of a concussion after a head injury
  • Taking over-the-counter medications or prescriptions
  • Upcoming medical tests or appointments
  • Deciding whether you need immediate care
  • Caring for a sick child or family member
  • Questions about your newborn

This benefit is 100% free for Blue Cross Blue Shield members. Call 888-247-BLUE (2583) to speak to a nurse.

More support for mothers and newborns

Growing your family? We’ve got you! Your Blue Cross Blue Shield medical plan can help you through your journey to motherhood and your baby’s first year, with these resources.

Maternity care management: Blue Cross Blue Shield care managers offer specialized pregnancy and postpartum support to help you improve your health and avoid complications. To work with a care manager one-on-one, call 800-392-0098, Monday through Friday, 8:30 a.m. to 4:30 p.m. ET.

Childbirth course reimbursement: Expectant mothers may be eligible for reimbursement, up to $90, for completing a childbirth course. Submit your claim for reimbursement.

Lactation consultations: Board-certified lactation consultants can work with parents and infants to address any breastfeeding challenges you may have and support breastfeeding for as long as you choose. Find a participating lactation consultant.

Breast pump savings: Easily compare breast pump features to find the one that’s right for you. Many are available at no cost and can be delivered right to your door. Learn more at Blue Cross Blue Shield of Massachusetts.

Maternal mental health support: It’s normal for new mothers to experience mental health struggles. If you have symptoms of anxiety, depression, or other mental health issues, Blue Cross Blue Shield’s maternity mental health program provides support, education, and treatment referrals. To speak with a mental health care manager, call 800-524-4010, ext. 62398, Monday through Friday, 8:30 a.m. to 4:30 p.m. ET.

Get the details

Find all your maternity benefits in one place. Visit Blue Cross Blue Shield of Massachusetts.

Save money on eligible prescriptions

Blue Cross Blue Shield members have another way to save on prescription drug costs with the Cost Share Assistance Program through PillarRx. The cost-share program helps cover the costs of your prescriptions by using manufacturers’ coupons. And you don’t have to change your prescriptions or where you fill them. All you need to do to grab those savings is enroll in the program.

How the program works

If you’re taking an eligible medication, PillarRx Consulting will contact you to see if you’d like to enroll in the cost-savings program. Tell them “Yes!”

When filling your prescriptions, your pharmacist will apply a manufacturer’s coupon automatically at checkout. This coupon reduces your out-of-pocket cost from anywhere between $0 and $35, depending on the medication.

Plus, PillarRx will monitor your claims every month to make sure you’re receiving the correct savings.

This service is free to use, but you must enroll to reap the savings on your prescriptions.


Call the Cost Share Assistance Program through PillarRx at 636-614-3128, Monday through Friday, 8 a.m. to 7 p.m. ET.


Keep your smile healthy with dental coverage through Blue Cross Blue Shield of Massachusetts. The DPO plan uses a national network and covers preventive, basic, and major services, which include exams, fillings, crowns, root canals, and orthodontic care for you and your enrolled dependents.

How services are paid

Calendar-year maximum
$1,500 per covered person
$50 individual, $150 family
Preventive and diagnostic care (exams, cleanings, fluoride, space maintainers, sealants, X-rays)
Basic restorative (fillings, extractions, oral surgery, endodontics, periodontal scaling, root planing, surgical services)
80% after deductible
Major restorative (dentures and adjustments or relining, crowns, inlays, onlays, bridges, implants)
50% after deductible
50% after deductible
Orthodontia care (adults and children)
50% up to a $1,500 lifetime maximum

Biweekly cost of dental coverage

Employee only
DPO Plan

Dental enhancements for at-risk members

Dental Blue plan members receive enhanced dental benefits that focus on at-risk members with qualifying medical conditions, including:

  • Diabetes
  • Coronary artery disease
  • Stroke
  • Pregnancy
  • Oral cancer
  • Sjögren’s syndrome

You pay nothing for these additional benefits, including full coverage for preventive and periodontal services. These services aren’t subject to a deductible, coinsurance, or annual maximum when provided by an in-network dentist.


Call Member Services at the number on the front of your member ID card.

One hundred percent dental coverage for kiddos age 13 and younger

Taking care of the oral health of your children at a young age can help prevent health issues later in life. That’s why Dental Blue provides 100% coverage for kids under the age of 13—no cost and no deductible for covered dental services.

This benefit doesn’t apply to orthodontic services. Annual maximums and standard limitations and exclusions apply. Out-of-network dentists may balance-bill.


Set your sight on your future with clearer vision and healthier eyes with vision coverage through EyeMed. Coverage includes eye exams, lenses and frames, and contacts for you and your eligible dependents through their national network.

When you go to an EyeMed PLUS Provider, you pay nothing for the eye exam, and your frame allowance increases by $50.

How services are paid

Once every 12 months
Covered 100%
Single-vision, bifocal, trifocal – $10 copay
Standard progressive – $75 copay
Any available frame at PLUS Providers – $200 allowance, 20% off balance over $200
Frames at standard providers – $150 allowance, 20% off balance over $150
Conventional – $150 allowance, an additional 15% off balance over $150
Disposable – $150 allowance

Biweekly cost of vision coverage

Employee + spouse or domestic partner
Employee + children
EyeMed Vision



Blue Cross Blue Shield of Massachusetts

800-262-2583, option 3


Blue Cross Blue Shield of Massachusetts

800-262-2583, option 3