April 4 - May 2, 2018
TAKE ACTION DURING ANNUAL ENROLLMENT
Annual enrollment time gives you the opportunity to review your benefit options and choose a new health plan if you wish. Take action during Annual Enrollment! Do your homework, even if you think you want to stay in the same health plan. Take this opportunity to think about what you and your family need in the way of health care.
During Annual Enrollment, Retirees and Survivors of Municipalities that offer the GIC Retiree Dental Plan can enroll in the GIC Retiree Dental Plan.
Be sure to read your GIC Benefit Decision Guide to benefit and rate changes effective July 1, 2018. Employees, Retirees and Survivors of municipalities joining the GIC will receive the guide through their benefits office. Current employees, ask your GIC Coordinator for your guide; current participating retirees and survivors will receive their guide at their home. The guides are also available on our website at the link above.
Your Benefit Decision Guide is an overview of all GIC benefits; it is not a comprehensive plan handbook. There may be other services that you or your family may need. Contact each plan to find out details about those benefits.
BE SURE TO “GIC”— GATHER, INVESTIGATE, CHOOSE
GATHER — a list of your doctors, hospitals and medications that you take frequently. Be sure to include this same information for every family member you cover.
INVESTIGATE – your options by reading your Benefit Decision Guide and contacting the health plans:
- If you are considering enrolling or staying in an HMO, PPO, POS or EPO, are your doctors and hospitals in the network?
- If you are an Employee or non-Medicare Retiree/Survivor, what are the copay tiers of your providers? This determines your copay costs.
- Are your prescription drugs included on the plan’s formulary, and if so, what copay tier are they in?
- Are other services you might need covered?
- Weigh total expected copay costs and premiums for each plan before you decide to remain in the same health plan or change to another option.
CHOOSE – your health plan no later than Wednesday, May 2, 2018.
Keep in mind! Once you choose a health plan, you cannot change plans during the year, unless you move out of the plan’s service area, or become eligible for Medicare (in which case you must enroll in a Medicare plan). If your doctor or hospital leaves your health plan, you must find a new participating provider in your chosen plan.
If you have researched your options and determined you want to keep your current Group Insurance Commission (GIC) health plan, you do not need to fill out any paperwork. Your coverage will continue automatically.
Mark the Date! Enrollment forms are due no later than May 2, 2018.
- Employees, Retirees and Survivors of municipalities joining the GIC: return completed forms along with required documentation, to your benefits office.
- Active Municipal Employees: return completed forms to your GIC Coordinator.
- Existing Municipal Retirees/Survivors: return completed municipal enrollment/change forms to the GIC.
- Retirees and survivors joining the GIC Retiree Dental Plan: Return completed form to your benefits office.
This information provided by the Group Insurance Commission .