“People know who we are.”
— Walsh Mechanical leadership
They know us because of you. The work you do and the way you treat every Walsh customer is our reputation. You are experts in this trade, and your benefits should take care of you and your family the same way you take care of every job.
Want FSA deductions in 2027? You must enroll. Your Flexible Spending Account (FSA) does not carry over on its own. Even if you have an FSA now, email Brian Tengberg at btengberg@walshmechanical.com to sign up for 2027.
Same plans as last year. Here is the short version.
Harvard Pilgrim HMO Best Buy $2,000
Included with Harvard Pilgrim
Altus Dental · No change for 2027
Doan “Dawn” Trinh at Apex Benefits Partners, Walsh’s benefits partner, can answer your questions and help you sign up or make changes.
One strong plan for you and your family. Walsh pays your whole deductible through the HRA, so you mostly pay simple copays.
| Type of care | You pay |
|---|---|
| The big numbers | |
| Deductible | $2,000 per person / $4,000 family Walsh pays 100% of it through the HRA (see below) |
| Out-of-pocket max (most you pay in a year) | $6,600 per person / $13,200 family |
| Everyday care | |
| Preventive care (yearly physical, screenings, shots) | $0 |
| Primary care (PCP) visit | $25 |
| Specialist visit | $25 Level 1 · $40 Level 2 |
| Mental health visit | $25 |
| Virtual urgent care (Doctor On Demand) | $25 |
| Urgent care center | $40 |
| Emergency room | $250 |
| Tests, surgery & hospital | |
| X-rays and lab tests | Deductible only |
| MRI, CT, PET scans · Day surgery · Hospital stay | Deductible, then $250 |
| Prescriptions (no deductible) | |
| 30-day supply at the pharmacy (Tier 1 / 2 / 3 / 4) | $5 / $25 / $40 / $60 |
Level 1 specialists include OB/GYNs and licensed mental health providers. Level 2 is other specialty care. Tier 5 drugs are 20% up to $250. A 90-day mail order supply costs $12.50 / $62.50 / $100 / $180 (Tier 5: 20% up to $750). Save money on MRIs and lab work by using a stand-alone center instead of a hospital.
Taken out of your pay before taxes, which lowers your taxable income.
| Who is covered | Weekly | Bi-Weekly |
|---|---|---|
| Just you | $27.78 | $55.56 |
| You + child(ren) | $51.39 | $102.78 |
| You + 1 | $55.55 | $111.10 |
| Family | $79.16 | $158.32 |
Full details on what the plan covers.
If you are on the medical plan, Walsh pays 100% of your deductible. You don't have to sign up for this separately.
Important: you must pay your doctor. The HRA money comes to you, not to the doctor. When you get it, pay the bill.
Copays are paid at the visit. In most cases, you won't pay at the visit for deductible costs. Unused HRA money does not carry over to next year.
603-647-1147, Option 1
Monday – Friday, 8:30am – 5:00pm
customerservice@hrcts.com
www.HRCTS.com
An FSA lets you set aside money from your paycheck before taxes to pay for eligible costs. You choose how much to put in each pay period.
Action needed: your FSA does not renew on its own. If you want FSA payroll deductions in 2027, you must actively enroll, even if you have an FSA today.
To enroll, email Brian Tengberg at btengberg@walshmechanical.com.
For medical, dental, and vision costs
Yearly max is set by the IRS. The 2027 amount has not been announced yet (2026 was $3,400). Full list of eligible costs: IRS Publication 502.
For care of your dependents
Plan year: January 1 – December 31, 2027.
Use it or lose it. Budget carefully. FSA money you don't spend by December 31, 2027 is lost, except for the health FSA carryover. Keep your receipts, since the IRS can ask for them.
You put your body to work every day. These Harvard Pilgrim programs come with your medical plan to help you stay strong, sleep better, and handle stress.
Get money back for staying active
How: After 4 months as a member, send the form and receipts at harvardpilgrim.org/reimbursement. Check your amount in your Harvard Pilgrim account.
Earn gift cards for healthy habits
How: Sign up at harvardpilgrim.org/livingwellportal.
Your own dietitian, at no cost
How: harvardpilgrim.goodmeasures.com or call 800-407-0399.
Savings just for Harvard Pilgrim members
How: Log in to your Harvard Pilgrim member account.
Find a therapist fast
How: Book at growtherapy.com. In New England, pick Harvard Pilgrim as your insurance.
12-week program on your phone
How: Visit meruhealth.com.
Virtual therapy + free self-care app
AbleTo is not a crisis line. In an emergency, call 911.
Help caring for the people you love
How: Log in to your Harvard Pilgrim member account.
Getting started is easy. Most programs start in your Harvard Pilgrim member account at harvardpilgrim.org. Questions? Call Member Services at 1-888-333-4742.
Nothing changes for 2027. Cleanings and checkups are covered 100%, and kids under 13 get everything covered at 100%.
| Type of care | Age 13 and over (in network) | Kids under 13 |
|---|---|---|
| Preventive Cleanings, exams, x-rays, fluoride, sealants | $0 | $0 |
| Basic Fillings, root canals, extractions, gum care | 15% after deductible | $0 |
| Major Crowns, bridges, dentures, implants | 45% after deductible | $0 |
| Deductible | $50 per person / $150 family | $0 |
| Yearly max | $2,000 per person | $2,000 per person |
Out of network (age 13 and over): basic 20% and major 50% after the deductible, and the dentist may charge more. Kids are covered on the dental plan until the end of the month they turn 26.
No change from last year. Taken out before taxes.
| Who is covered | Weekly | Bi-Weekly |
|---|---|---|
| Just you | $1.05 | $2.10 |
| You + 1 | $2.10 | $4.20 |
| Family | $3.68 | $7.36 |
Full details on what the plan covers.
