PREMIUM DEDUCTIONS

All GIC premium deductions are taken one month in advance of coverage.

ENROLLMENT ELIGIBILITY AND EFFECTIVE DATES

Basic Life & Health, Optional Life, Long Term Disability (LTD), GIC Dental/Vision, and HCSA

According to Massachusetts Law Chapter 32 A, the following employees are eligible for GIC benefits:

  • Permanent employees as outlined in CMR 1.02.
  • Employees must work at least 18.75 hours in a 37.5 hour workweek or 20 hours in a 40-hour workweek; employees who do not work the required number of hours are not eligible for GIC benefits.

New employees eligible for GIC benefits and who work full-time or part-time hours of at least 18.75 hours per 37.5-hour workweek or 20 hours per 40-hour workweek can enroll.  For employees electing the GIC Dental/Vision plan, please see the Dental/Vision pages in this section for eligibility rules.

New employee coverage begins on the first day of the month following 60 calendar days from the first date of employment, or two calendar months, whichever comes first.

Date of employment is from                                    Coverage begins on

Jan. 2- Feb. 1                                                              April 1

Feb. 2 – March 2                                                         May 1

March 3 – April 2                                                        June 1

April 3 – May 2                                                           July 1

May 3 – June 2                                                           August 1

June 3 – July 3                                                            September 1

July 4 – August 2                                                        October 1

Aug. 3 – Sept. 2                                                          November 1

Sept. 3 – Oct. 2                                                          December 1

Oct. 3 – Nov. 2                                                           January 1

Nov. 3 – Dec. 3                                                           February 1

Dec. 4 – Jan. 1                                                            March 1

 

Employees who do not enroll in basic life, basic life and health, optional life, LTD and GIC Dental/Vision when first eligible (see new hire section) are subject to late enrollment and Annual Enrollment rules. See the corresponding section for details.

If an employee loses health insurance elsewhere, he or she can enroll in GIC coverage at any time during the year with proof of involuntary loss of other coverage.  An employee may not apply for late enrollment during their new hire waiting period.  See LATE ENROLLMENT section for details.

BENEFIT OPTIONS

Health Plans

Employees and their families can choose from an array of health plans. Each employee’s needs are different. It is important that you, the GIC Coordinator, learn about the similarities and differences among the plans and where the plans are available.  Recommend that the employee research his/her options and obtain the following information before making a selection. 

Question                                                                                    Resource

Where you live determines which plan you

are eligible for.  Does the employee live in the service area? Benefit Decision Guide

Are the employee’s doctors and hospitals                

in the plan?                                                                     Call the plan or visit its website

What is the monthly premium cost?                                               Benefit Decision Guide

See the Benefit Decision Guide for health plan options.  These are distributed immediately before Annual Enrollment and are on the GIC’s website.

OTHER GIC BENEFITS

In addition to health care benefits, the GIC offers the following benefit programs.  You and the employee should familiarize yourselves with these programs.  Details are in the Benefit Decision Guide and on our website:

  • Long Term Disability
  • Basic Life Insurance
  • Optional Life Insurance
  • Dependent Care Assistance Program (DCAP)
  • Health Care Spending Account (HCSA)
  • Dental/Vision Program (see Eligibility section)

 


This information provided by the Group Insurance Commission .