Health & Basic Life Insurance
There are various health care plan choices offered to benefited employees, their spouse, and dependent children under age 19 (over age 19 dependent requires specific documentation) including Indemnity plans, Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO). The Commonwealth contributes 75% of the Health Insurance premium and coverage is available to state employees at 25% of the full cost including basic life insurance of $5,000 and additional $5,000 for accidental death. Employees are eligible for coverage 60 days from the first full month of employment. Health and Basic Life insurance are pre-tax deductions. Open Enrollment gives you an opportunity to review your benefit options and make changes if you desire (no later than late May of each year to be effective on July 1st). Please contact the Human Resources Office for insurance changes outside of the open enrollment period. The following are the health care insurance plan choices:
- Fallon Community Health Plan Direct Care
- Fallon Community Health Plan Select Care
- Harvard Pilgrim Independence Plan
- Harvard Pilgrim Primary Choice Plan*
- Health New England
- NHP Care (Neighborhood Health Plan)
- Tufts Health Plan Navigator
- Tufts Health Plan Spirit*
- UniCare State Indemnity Plan/Basic with CIC (Comprehensive)
- UniCare State Indemnity Plan/Basic without CIC (Non-Comprehensive)
- UniCare State Indemnity Plan/Community Choice
- UniCare State Indemnity Plan/Plus
* There are no out-of-network benefits, with the exception of emergency care.
Each plan has a calendar year deductible, a fixed dollar amount you must pay each calendar year before your health plan begins paying benefits. Certain services do not apply towards the deductible. There are in-network deductibles plus members have a separate calendar year deductible for services received from out-of network providers. Co-pays apply for all services. Visit the Group Insurance Commission for more specific information on plan deductibles and co-pays.
Each plan provides benefits for prescription drugs using a three-tier co-payment structure in which copayments vary, depending on the drug dispensed. The program consists of generic, brand name and mail order prescriptions. For more detailed information on the Government Insurance Commission GIC Health Plan options and prescription program, visit the Group Insurance Commission, select State Insurance Benefits, Health Plans, then Active State Employees.
Optional Life Insurance
The GIC’s Life Insurance is insured by The Hartford. New employees may apply for optional life insurance up to 8x their salary without the need for a medical review. If not enrolled at time of hire, employee must wait one year from date first eligible before enrolling. Current employees may apply for optional life insurance up to 8x your salary subject to a medical review at open enrollment or anytime during the year. The Optional life insurance premium cost is based on an employee’s age and salary. For more detailed information on Life Insurance & Accidental Death, please visit Group Insurance Commission, select State Insurance Benefits, then Life Insurance & Accidental Death.
Long term Disability
The GIC’s Long Term Disability (LTD) program is insured by Unum. Employees are eligible to begin coverage 60 days from the first full month of employment. Current employees can apply for LTD coverage during annual (first time eligible) enrollment, or any time during the year, however an evidence of insurability for insurance approval must be provided to enter the Plan. LTD is an income replacement program in the event you become disabled and are unable to perform the material and substantial duties of your job. If an employee is determined disabled by the provider and unable to work for longer than 90 days, the employee will receive 50% of his/her tax free monthly salary up to a maximum monthly benefit. Premiums are based on age/current salary and as both increase, premiums are adjusted. For more detailed information on long-term Disability, please visit Group Insurance Commission, select State Insurance Benefits, then Long term Disability (LTD) Overview.
Dental Insurance and Vision Savings EyeCare Program
Dental Insurance and Vision Savings EyeCare Program is offered to benefited employees, their spouse, and dependent children at no cost. Dental & Vision coverage begins after six full months of employment. MetLife is the dental plan as an indemnity plan with benefits of a PPO network which will provide savings. Open Enrollment for MetLife dental, if not elected when hired is December for January 1st coverage. Each plan has a calendar year deductible, a fixed dollar amount you must pay each calendar year before your health plan begins paying benefits. Certain services do not apply towards the deductible. There are in-network deductibles plus members have a separate calendar year deductible for services received from out-of network providers.
For more detailed information on dental coverage, please visit the MetLife website. Dental Benefits are managed for the Department of Education’s Non-Unit employees by Mckenzie & Company. For more information regarding benefit schedules, please view the Board of Higher Education Non-Unit Employee Health and Welfare Dental Plan.
The VisionSavings Eyecare Program provides savings with access to a nationwide network of participating eyecare providers and optical locations. For more detailed information on VisionSavings Eyecare Program call 1-800-275-4638 or log on to VisionSavings Eyecare Program and be sure to communicate the Plan Number 9238205.