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GIC non-Medicare health insurance products

Find out more information about the different health plans the GIC offers and pick the one that is best for your needs.

Table of Contents

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Prescription drugs

Express Scripts (ESI)

In an effort to help GIC members save on pharmaceutical costs, the GIC has contracted with Express Scripts (ESI) to manage the prescription drug benefit for all GIC non-Medicare medical products. You will receive a separate ID card that you will be required to use when filling your prescriptions. (Please note that only newly enrolled members will receive new ID cards. If you are an existing member, please continue to use the ID card you received when you enrolled.) You will be able to access a broad network of retail pharmacies to fill a 30-day supply and can fill a 90-day supply through mail order or at a CVS Pharmacy.

Find an ESI provider

Learn more about Express Scripts

National network

UniCare State Indemnity Plan/Basic with CIC (Comprehensive)

About the Product:

  • With Basic, you can live anywhere, you can see any doctor, and you can use any hospital – no other GIC health plan offers as much.
  • Coverage for office visits and hospital care anywhere in the world
  • Basic covers you no matter where in the U.S. – or in the world – you live
  • Your out-of-state dependents are covered too
  • When you enroll in Basic with CIC (comprehensive coverage), you’ll have 100% coverage for most covered services – that’s why 98% of Basic members choose CIC. Without CIC, many services are covered at 80%, so your member costs are higher
  • Basic is UniCare's highest premium choice

Find a UniCare provider 

Learn more about UniCare Basic

UniCare Basic Benefit Handbook FY20

Additional Resources

Broad network

Fallon Health Select Care HMO

About the Product:

  • Broad network with access to Boston Hospitals, as well as providers and physicians throughout Massachusetts and southern New Hampshire.
  • It Fits! annual fitness reimbursement - $100 for individuals/$100 for families
  • A fitness reimbursement- It Fits!, an annual benefit period fitness reimbursement including school and town sports programs, gym memberships, home fitness equipment, Weight Watchers®, aerobics, Pilates and yoga classes
  • Weight Watchers – in addition to It Fits! Reimbursement, members get a 20% discount for Weight Watchers online and a 25% discount for monthly meeting passes.
  • Fallon SmartShopper. Get rewarded for making smart health care choices.
  • Oh Baby! For expecting parents - Free car seat, breast pump, prenatal vitamins and more
  • Nurse Connect: A free 24/7 nurse call line
  • EyeMed Vision Care discounts – save up to 35% on frames and additional discounts certain services
  • CVS Caremark ExtraCare Health Card – provides 20% discount on CVS/pharmacy-brand health related items.
  • Telehealth– Members get 24/7 access to a national network of U.S. board-certified doctors.

Find a Fallon provider

Learn more about Fallon Health Select

Fallon Select Care Handbook FY20

Harvard Pilgrim Independence Plan POS

About the Product:

  • You are free to see any provider within Harvard Pilgrim’s extensive network – you’ll pay a higher premium.
  • Available to GIC employees living within Massachusetts as well as other New England states
  • Choose any PCP in Harvard Pilgrim’s network to deliver or arrange for your care, including referrals to specialists.
  • For a higher cost, you may choose not to receive referrals, as well as go outside of Harvard Pilgrim’s network for covered services.

Find a Harvard Pilgrim provider

Learn more about Harvard Independence

Harvard Pilgrim Independence Benefit Handbook FY20

Tufts Health Plan Navigator POS

About the Product:

  • POS Plan- PCP and referral requirement for most services
  • Broad Network Plan with access to full Tufts Health Plan network of more than 53,000 in-network providers and 108 hospitals
  • Group Based Tiering for PCP, Specialist and Hospital services
  • Telehealth through Teladoc for medical, behavioral health and dermatology services
  • $150 Fitness Rebate

Find a Tufts provider

Learn more about Tufts Navigator

Tufts Navigator Benefit Handbook FY20

UniCare State Indemnity Plan/PLUS (PPO-Type)

About the Product:

  • Use PLUS providers in New England and you’ll keep your premiums lower without giving up coverage, flexibility or choice.
  • Available to GIC members living in any New England state
  • PLUS providers include all doctors and hospitals in Massachusetts, along with UniCare-contracted doctors and hospitals throughout New England
  • When you use PLUS providers, you’ll have 100% coverage for most covered services. If you want to use a non-PLUS provider, you can do that at the non-PLUS 80% benefit level
  • Your dependents living in New England are covered too
  • PLUS is UniCare's mid-range premium choice

Find a UniCare provider

Learn more about UniCare PLUS

UniCare Plus Benefit Handbook FY20

Additional Resources

Regional network

AllWays Health Partners HMO

About the Product:

  • Same comprehensive benefits as other plans
  • Network on par with any other local carrier. See below to find your doctors.
  • Simple to use – no hospital tiering and only two tiers
  • Lower premiums with extras like $25-$500 back through DoctorSmartSM Rewards
  • Save up to 1,200 in premiums and up to $2,200 with other benefits and perks, and enjoy a plan that puts your needs at the center.
  • Partners HealthCare On Demand: virtual urgent care for $15 including clinicians from Massachusetts General Hospital
  • World-class help to navigate care and coverage, including live chat
  • Up to $300 fitness benefit including Pilates, Yoga, Zumba, and Jazzercise programs
  • Free one-on-one health coaching and online wellness tools like webinars and step challenges

Find an AllWays provider

Learn more about AllWays Health Partners

AllWays Health Partners Benefit Handbook FY20

Health New England HMO

About the Product:

  • Primary Care provider Office Visit: $20 per visit
  • Preventive Services: Most covered at 100%, no copay
  • Specialist Physician Office Visit:
  1. Tier 1:  $30 per visit
  2. Tier 2:  $60 per visit
  • Retail Clinic: $20 per visit
  • Outpatient mental health and substance abuse care: $20 per visit
  • Inpatient Hospital Care – Medical $275 per admission
  • Outpatient Surgery (2 co-pays for eye and GI procedures only):
  1. Tier 1 $150 per occurrence
  2. Tier 2 $250 per occurrence
  • High-Tech Imaging: $100 per scan
  • Emergency Room: $100 per visit
  • Wellness reimbursement: $150 for fitness and wellness activities
  • Nutritional counseling: 4 sessions per year

Find a Health New England provider 

Learn more about Health New England

Health New England Active Employee Benefit Handbook FY20

Additional Resources

Limited network

Fallon Health Care Direct HMO

About the Product:

  • Lower premiums
  • Limited network with access to local doctors and community hospitals covering Central, Northeast and Southeast Massachusetts.
  • Guaranteed access for a second opinion and treatment for specialty services at several Boston teaching hospitals through the Peace of Mind Program™
  • It Fits! annual fitness reimbursement - $200 for individuals/$400 for families
  • A fitness reimbursement- It Fits!, an annual benefit period fitness reimbursement including school and town sports programs, gym memberships, home fitness equipment, Weight Watchers®, aerobics, Pilates and yoga classes
  • Weight Watchers – in addition to It Fits! Reimbursement, members get a 20% discount for Weight Watchers online and a 25% discount for monthly meeting passes.
  • Fallon SmartShopper. Get rewarded for making smart health care choices.
  • Oh Baby! For expecting parents - Free car seat, breast pump, prenatal vitamins and more
  • Nurse Connect: A free 24/7 nurse call line
  • EyeMed Vision Care discounts – save up to 35% on frames and additional discounts certain services
  • CVS Caremark ExtraCare Health Card – provides 20% discount on CVS/pharmacy-brand health related items.
  • Telehealth– Members get 24/7 access to a national network of U.S. board-certified doctors.

Find a Fallon provider

Learn more about Fallon Health Direct

Fallon Direct Care Benefit Handbook FY20

Harvard Pilgrim Primary Choice Plan HMO

About the Product:

  • Lower-cost, limited-network plan — save on your premium.
  • Available if you live in Massachusetts (excluding those who reside in Martha’s Vineyard, Barnstable and Nantucket Counties).
  • Choose a Primary Choice PCP to deliver and arrange for your care, including referrals to specialists.
  • Make sure your providers and hospitals participate; many – but not all –of Harvard Pilgrim’s providers and hospitals participate in the Primary Choice network.

Find a Harvard Pilgrim provider

Learn more about Harvard Primary Choice

Harvard Pilgrim Primary Choice Benefit Handbook FY20

Tufts Health Plan Spirit EPO (HMO-Type)

About the Product:

  • EPO Plan- No PCP or referral requirement
  • Limited Network Plan with access to more than 24,000 in network providers and 49 hospitals
  • Premium savings more than 20% from Navigator
  • Group Based Tiering for Specialist and Hospital services
  • Telehealth through Teladoc for medical, behavioral health and dermatology services
  • $150 Fitness Rebate

Find a Tufts provider

Learn more about Tufts Spirit

Tufts Spirit Benefit Handbook FY20

UniCare State Indemnity Plan/Community Choice PPO-Type

About the Product:

  • Get your hospital services at a Community Choice hospital near where you live in Massachusetts, and your premiums will be among the lowest available through the GIC.
  • Available to GIC members who live in Massachusetts (but not including Nantucket or Martha’s Vineyard)
  • Our lowest premium plan, and among the lowest available to GIC members
  • With 58 Community Choice hospitals across Massachusetts – including Dana-Farber Cancer Institute in Boston and Children’s Hospital Boston – there’s a Community Choice hospital near you
  • You have the freedom to use a non-Community Choice hospital at the 80% benefit level

Find a UniCare provider

Learn more about UniCare Community Choice

UniCare Community Choice Benefit Handbook FY20

Additional Resources

Contact

Phone

Main Phone (617) 727-2310

M-F 8:45 a.m.-5 p.m.

TDD/TTY 711

Fax

Operations (617) 227-2681
Executive (617) 227-5181
Fiscal (617) 367-9874

Address

Street Address
19 Staniford St
Boston, MA 02114
Mailing Address
P.O. Box 8747
Boston, MA 02114
Image credits:  Shutterstock
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