Annual enrollment time is here, giving you the opportunity to review your benefit options and enroll in a health plan if eligible, choose a new health plan or make other benefit changes (depending on eligibility) if you desire.  If 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.  Please take this opportunity to think about what you and your family need in the way of health care and other benefits. 

During annual enrollment all eligible state and municipal employees and retirees may:

State employees may also:

  • Take advantage of the special Optional Life Insurance Open Enrollment (through June 13, 2014) and enroll in coverage of one, two or three times salary or increase their coverage by an additional one, two or three times salary without any evidence of good health.  Coverage will be effective October 1, 2014.   Be sure to use the special open enrollment form
  • Apply for long term disabilityyou may also do this anytime during the year
  • Apply for the buy-out option
  • Apply for reduced non-smoker optional life insurance rates if you have optional life insurance as a smoker and have been tobacco-free for at least 12 months
  • Enroll in GIC Dental/Vision or change dental plans if you are eligible (primarily managers, Legislators, Legislative staff and certain Executive Office staff)
  • Opt in or out of pre-tax premium basic life and health insurance deductions

State retirees may also:

  • Apply for the buy-out option
  • Enroll in the Retiree Dental Plan
  • Apply for reduced non-smoker optional life insurance rates if you have optional life insurance as a smoker and have been tobacco-free for at least 12 months

Municipal retirees from 13 communities may also:

Be sure to read your GIC Benefit Decision Guide to become familiar with benefit and rate changes that become effective July 1, 2014.  Ask your GIC Benefits Coordinator for your guide.  Active employees and new municipal members will receive them through their benefit office and current retiree and survivor members will receive them at their permanent home address.  The guides are also available on our website

Do your homework during annual enrollment, even if you don’t plan to make any changes:

  • Identify which plan(s) you are eligible to join and review their benefit summaries – see the Benefit Decision Guide and the GIC’s website for details.
  • Consider enrolling in a limited network plan ) to save money every month on your premiums.  These plans have the same benefits as the wider network plans, but save money because they have a smaller network of providers (fewer doctors and hospitals).  These plans are available to employees and Non-Medicare Retirees/Survivors.
  • Contact the plans to find out if your doctors and hospitals participate in the plan.  Specify the plan’s full name, such as “Harvard Pilgrim Primary Choice Plan” or “Harvard Pilgrim Independence Plan”, not just Harvard Pilgrim.
  • Check on copay tier assignments that affect what you pay when you get physician or hospital services.  Copay tiers can change each July 1. (Copay tiers do not apply to Medicare Plans.)

Your Benefit Decision Guide is an overview of GIC benefits; it is not a comprehensive plan handbook.  There may be other services that you or your family need.  Contact each plan to find out details about those benefits. 

Keep in mind!  Once you choose a health plan, you cannot change plans during the year, unless you have a qualifying event, such as moving out of the plan’s service area.  If your doctor or hospital leaves your health plan, you must find a new participating provider in your chosen plan. 

See this website for the latest annual enrollment news, forms to expedite your decisions, and answers to frequently asked questions

Mark the Date!  Enrollment forms are due to your GIC Benefits Coordinator (active employees and new municipal enrollees) no later than Wednesday, May 7, 2014.  Current Retirees/Survivors – write to the GIC requesting the change or complete and return to the GIC an enrollment/change form.

This information provided by the Group Insurance Commission.