• Calendar Year Deductibles - Questions & Answers

    All GIC Employee and Non-Medicare Retiree/Survivor health plans include a calendar year deductible. The in-network deductible is $250 per member to a maximum of $750 per family. This is a fixed dollar amount you must pay before your health plan begins paying benefits for you or your covered dependent(s).
  • Dependent Ages 19 - 26

    An overview of various coverage scenarios for dependents age 19 to 26.

  • Divorce, Legal Separation and Remarriage

    An overview of your GIC coverage is affected by divorce, separation and remarriage and your reporting responsibilities

  • Employment and Eligibility

    An overview of your eligibility for GIC coverage as a new hire, and under various employment scenarios.

  • Family Status and Plan Changes

    An overview of how moving, marriage, new dependents, and health plan changes affect your GIC options.

  • Flexible Spending Account

    Answers to Frequently Asked questions about Flexible Spending Account benefits – the Health Care Spending Account and the Dependent Care Assistance Program – for state employees.

  • General Benefit and Eligibility Questions

    An overview of where to find benefit details and information on GIC benefit eligibility.

  • GIC Retired Municipal Teachers

    Answers to frequently asked questions by GIC Retired Municipal Teachers (RMTs).
  • Layoff from Municipality Service

    An overview of your health plan options when you are laid off from a municipality.

  • Layoff from State Service

    An overview of your health plan and other benefit options when you are laid off from the state.

  • Leave of Absence

    An overview of your health options under paid and unpaid leaves of absence.

  • Leaving Municipal Service

    An overview of your health options when you leave employment with a municipality.

  • Leaving State Service

    An overview of your health and other benefit options when you leave employment with a state agency.

  • Life Insurance

    Answers  to common questions about the GIC life insurance program for state employees, retirees, and former state employees

  • Long Term Disability FAQs

    An overview of state employee LTD program benefits, enrollment, and the claims process.

  • MBTA Carmen’s Union 589 FAQ for Annual Enrollment

    Answers to Frequently Asked Questions for Carmen’s Union 589 employees and retirees whose coverage with the GIC is effective July 1, 2014.

  • Medicare

    An overview of Medicare, when to enroll, and GIC Medicare Plan enrollment.

  • Municipal Group Insurance Reform Questions and Answers

    State law permits cities, towns, and other c. 32B entities such as regional school districts to transfer their employees, retirees, survivors, and dependents to the GIC for health insurance. Two parts of chapter 32B - Section 19, enacted as Chapter 67 of the Acts of 2007, and Sections 21-23, enacted as Chapter 69 of the Acts of 2011 - have different options for municipalities seeking GIC coverage. The following links answer some frequently asked questions about the two options.

  • New Municipal Member

    Answers to questions specific to new municipal members joining GIC health coverage.

  • Retirement

    An overview of health and other GIC benefit options at retirement.

  • Retirement Checklist for State Employees

    State employees follow these steps for retirement made easy.

  • Retirement Checklist for Municipal Employees

    Municipal employees follows these steps for retirement made easy.

  • Survivors

    An overview of survivor benefits and eligibility.

  • Turning Age 65

    An overview of what you and your spouse need to do when you or your spouse turns age 65.

  • GIC Logo