GIC Dental/Vision Plan for Managers, Legislators, Legislative Staff and Certain Executive Office Staff
ELIGIBILITY FOR THE GIC DENTAL AND VISION PLAN
The GIC Dental/Vision Plan is for state employees who are not covered by collective bargaining or do not have another Dental and/or Vision Plan through the state. The plan primarily covers managers, Legislators, Legislative staff, and certain Executive Office staff. Employees of authorities, municipalities, higher education, and the Judicial Trial Court system are not eligible for GIC Dental/Vision coverage.
During Annual Enrollment or within 60 days of a qualifying event, eligible employees may enroll in GIC Dental/Vision. During Annual Enrollment, current participants may change their dental plan selection.
Metropolitan Life Insurance Company (MetLife) is the provider of the dental portion of the GIC Dental/Vision plan. There are two dental plan options:
- The PPO Plan (also known as the MetLife Value Plan), and
- The Indemnity Plan (also known as the MetLife Classic Plan).
Both plans include MetLife’s network of dentists and offer the following in-network benefits:
- Per-person calendar year maximum benefit of $1,250
- 100% coverage for preventive and diagnostic services
- 80% coverage for basic services, such as root canals and extractions
- 50% coverage for major services, such as dental implants
Benefit Enhancement for Both Plans Effective July 1, 2016:
- Mouth guards for bruxism (teeth grinding) - covered at 50%.
With either plan, if you use MetLife's network of participating dentists, you will be able to take advantage of negotiated fees, even after you have exceeded your annual maximum.
The GIC recommends that you check to see whether you and/or your dependents receive all of your dental care from a participating MetLife dentist:
- PPO Plan (MetLife Value): If you and/or your dependents receive all of your care from a participating MetLife dentist, this plan will help you save on monthly premium costs and will also usually lower out-of-pocket costs. However, if you are in the PPO Plan (MetLife Value) and you go out of network, you will need to satisfy a $100 deductible and the benefit levels are slightly lower.
- Indemnity Plan (MetLife Classic): If you and/or your dependents intend to not visit participating dentists, choosing this plan will provide higher benefit levels, but at a higher monthly premium cost.
Keep in mind that once you choose your dental plan, you may not change plans until the next Annual Enrollment, even if your dentist leaves the plan during the year.
Contact Metlife for a list of participating dentists, frequency of covered services, and out-of-network benefits.
FY17 Active State Employee Dental Handbook file size 1MB
The GIC has selected Davis Vision to continue as the vision provider for the vision portion of the Dental/Vision plan. This plan provides a preferred provider network of over 1,800 Massachusetts providers, with additional providers across the country. Members receive basic services every 24 months (age 19-60) or every 12 months (age 18 or under and 61 or over) at no cost:
- Routine eye examinations
- Collection frames
- Scratch-resistant lens coating
Effective July 1, 2016, premier collection frames will be covered at any of the almost 700 nationwide Visionworks stores with no copay, significantly increasing your selection. Additionally, non-plan frames are covered up to $149.95 at Visionworks, an increased allowance of $111.95.
Enhanced materials and services at preferred providers are covered at 100% after a copay. Members can also take advantage of Davis Vision discounts on additional eyewear.
When members do not use a preferred provider, they are reimbursed according to a fixed schedule of benefits.
Vision Benefit Questions?
Contact Davis Vision for co-payment amounts, participating providers, and discount programs.
Davis Vision (client code 7852) 1-800-650-2466
This information provided by the Group Insurance Commission.