Updated on June 26, 2013
Q) I have involuntarily lost Health Insurance coverage through my spouse. Can I enroll in GIC Health Insurance benefits any time during the year?
A) Employees and retirees can enroll in GIC coverage any time during the year with proof of involuntary loss of coverage elsewhere. You must inform us within 60 days of the loss of coverage. Otherwise, you must wait until annual enrollment, which takes place in the spring.
Q) How do I change my address?
A) It's important to keep your address up to date with both the GIC and the post office so that you receive important information about your benefits. Be aware that if you do not let both the GIC and the post office know of your address change, the address the GIC has on file for you could be replaced by the address the post office has on record, as required by U.S. Postal Service regulations. Additionally, any address changes you give to your health plan may be overwritten by the GIC's records. To process an address change, take the following steps:
- Employees and Retirees - visit your local post office, or go to the U.S. Postal Service website to submit an address change.
- Employees - advise the GIC Coordinator in your benefits office of an address change; your Coordinator will give you a form to complete and return.
- Retirees - write to the GIC requesting the change. Be sure to include your name, GIC Identification Number (usually your Social Security Number), telephone number, date and signature.
Q) I have Durable Power of Attorney for a state/municipal employee or retiree. How do I arrange to receive the insured’s GIC benefit information?
A) Send a copy of your Power of Attorney (POA) to the attention of the Public Information Unit at the GIC, P.O. Box 8747, Boston, MA 02114-8747. If you are also requesting a change of address for the insured, for example because you want the insured’s information to be sent to your address, send the address change request with the POA. Note that only those with a Power of Attorney can make changes to the insured’s coverage. Remember only a Durable Power of Attorney remains in effect for an incapacitated person.
Q) I am, or my covered dependents are, moving out of state. Does this affect my health plan options?
A) Yes. You and your covered dependents MUST live in a health plan's service area at least nine months per year. Only full-time college students may live out of the service area. Most GIC health plans require that college students receive their routine health care services within the health plan's service area. Contact your health plan for details.
If you are covering a former spouse and/or children outside of a plan's service area, you must enroll in the UniCare State Indemnity Plan/Basic (employees and Non-Medicare retirees) or Harvard Pilgrim Medicare Enhance/UniCare State Indemnity OME (Medicare retirees). To change health plans because you and/or your dependents reside out of the service area:
- Active employees - see your GIC Benefits Coordinator
- Retirees and survivors write to the GIC.
Q) I am getting married; how do I add my new spouse to my GIC coverage?
A) Complete the Insurance Data Form (IDF) and include a copy of your marriage certificate. If you did not have family coverage prior to your marriage, you must also complete a GIC Insurance Enrollment and Change Form (Form-1 for state members or Form-1MUN for municipal members) to change to family coverage. Active employees return these forms to their GIC Coordinator; retirees return them to the GIC.
Q) I am a GIC insured and reside in a state where civil unions are recognized. Is my civil union partner eligible for GIC health insurance?
A) No, only spouses are eligible for health insurance benefits through the GIC. A marriage certificate must be provided to add your spouse to your coverage. See the Insured Data form for details.
Q) How can I add a dependent under age 19 to my GIC coverage?
A) Complete the GIC Insurance Data Form (IDF) and include a copy of your dependent's birth certificate. For a new born child, you may submit an announcement letter from the hospital. The birth certificate or hospital notice must link the dependent to the insured or spouse. The GIC must be able to link the dependent to the insured and/or the insured's covered spouse. If you did not have family coverage prior to adding the dependent to your coverage, you must also complete and return the GIC Insurance Enrollment and Change Form (Form-1 for state members or Form-1MUN for municipal members) to change to family coverage.
Q) How do I drop a dependent under age 19 from my GIC coverage?
A) Give your GIC Coordinator a GIC Insurance Data Form(IDF) with proof that your dependant has health insurance coverage elsewhere or submit the following information to the GIC with your request: Your name, GIC Identification number (usually it is your Social Security Number), and proof that your dependent has health coverage elsewhere.
Q) What happens to my minor children's coverage if I die after retiring and there is no surviving parent?
A) Upon your death and if there is no surviving parent, your minor children may continue in the group health plan until age 19, provided they continue to meet eligibility requirements and are not eligible for other group health coverage.
Q) My doctor or hospital left my health plan’s network and it is not the GIC’s annual enrollment. Can I change my health plan?
A) No you cannot change health plans until the GIC’s annual enrollment, consistent with the Health Insurance Portability and Accountability Act (HIPAA). Doctors and hospital can leave a health plan during the year, usually as part of contract negotiations with a health plan. Contact your health plan to find another doctor or hospital that is in the health plan. During the GIC’s annual enrollment, you can change your health plan if you so desire. The only instance when you can change your health plan during the year is if you move out of the health plan’s service area, or enroll in Medicare, at which point you must change your GIC health plan.
Q) My prescription drug formulary changed during the year. Can I change my health plan?
A) No you cannot change health plans until the GIC’s annual enrollment, consistent with the Health Insurance Portability and Accountability Act (HIPAA). Prescription drug formularies can change during the year, and, in the event your drug moves to a more expensive tier, alternative prescription drug choices are available to you with lower copays. During the GIC’s annual enrollment, you can change your health plan if you so desire. The only instance when you can change your health plan during the year is if you move out of the health plan’s service area, or enroll in Medicare, at which point you must change your GIC health plan.
Q) I have misplaced my health or prescription drug ID card. Whom do I contact for a new card?
A) Contact your health or prescription drug plan for another ID card and for additional ID cards for family members.
This information provided by the Group Insurance Commission.