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  • Deductible Changes and - Questions & Answers

    All GIC Employee and Non-Medicare Retiree/Survivor health plans include a deductible. This is a fixed dollar amount you must pay before your health plan begins paying benefits for you or your covered dependent(s). The deductible will transition to a fiscal year to make it easier for members to change health plan carriers at Annual Enrollment.
  • Fallon Health Direct Care

    Fallon Health Direct Care is an HMO that requires members to select a Primary Care Physician (PCP) to manage their care. With an HMO, you receive care through the plan's network of doctors, hospitals and other providers. There are no out-of-network benefits, with the exception of emergency care. The plan offers a selective network based in a geographically concentrated area.
  • Fallon Health Select Care

    Fallon Health Select Care is an HMO that requires members to select a Primary Care Physician (PCP) to manage their care. With an HMO, you receive care through the plan's network of doctors, hospitals, and other providers. There are no out-of-network benefits, with the exception of emergency care. Members pay lower copays when they see Tier 1 or Tier 2 physicians.
  • Health New England

    Health New England is an HMO that requires members to select a Primary Care Physician (PCP) to manage their care; referrals to network specialists are not required. With an HMO, you receive care through the plan's network of doctors, hospitals, and other providers. There are no out-of-network benefits, with the exception of emergency care.
  • NHP Prime - Neighborhood Health Plan

    NHP Prime, administered by Neighborhood Health Plan, is an HMO that requires members to select a Primary Care Physician (PCP) to manage their care; referrals to network specialists are not required. With an HMO, you receive care through the plan's network of doctors, hospitals, and other providers. There are no out-of-network benefits, with the exception of emergency care.
  • UniCare State Indemnity Plan / Basic

    The UniCare State Indemnity Plan/Basic offers access to any licensed doctor or hospital throughout the United States and outside of the country. The Plan determines allowed amounts for out-of-state providers; you may be responsible for a portion of the total charge.  To avoid these additional charges, if you use non-Massachusetts doctors or hospitals, contact the plan to find out which providers in your area participate in UniCare's National Network.  Mental health benefits administered by Beacon Health Options include network providers with a copayment or out-of-network providers at higher out-of-pocket-costs.  Prescription drug benefits are administered by CVS/caremark.  
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