PREMIUM DEDUCTIONS

All GIC premium deductions are taken one month in advance of coverage.  Please update your payroll system accordingly.

ENROLLMENT ELIGIBILITY AND EFFECTIVE DATES

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 and are not eligible for GIC benefits .

New employees eligible for GIC health 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.

Coverage Effective Dates

New employee health 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                          Health 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

 

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 60-day new hire waiting period.  See LATE ENROLLMENT section for late enrollment details.

Health Plan Options

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   `                               Benefit Decision Guide

are eligible for Does the employee live in the service area?           

Are the employee’s doctors and hospitals                

in the plan?                                                                                Call the plan or visit its website

What is the monthly premium cost?                                              Distributed with Benefit Decision Guide and on the GIC’s website

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


This information provided by the Group Insurance Commission .