Non-medical GIC benefits

Find out about ancillary benefits for GIC members. Not all members are eligible for these.

Table of Contents

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Beneficiary Assist®

The Hartford

You must enroll in life insurance to receive this benefit.

To help you or a loved one cope with the emotional, financial, and legal issues that can arise after a loss, The Hartford offers you access to Beneficiary Assist®.

Services provided include:

  • Assessment and action planning to help develop an individualized course of action.
  • Unlimited phone contact to grief counselors and financial and legal advisors for up to a year from the date the claim is approved.
  • Up to five face-to-face sessions, or equivalent professional time for any combination of emotional counseling, financial planning, or legal advice.
  • Referrals to additional resources outside the Beneficiary Assist service to support specific situations, such as long-term grief counseling, complex probate or estate planning and relocation.

Beneficiary assist services are available to:

  • The beneficiary of an insured who dies
  • Insureds who qualify for the Accelerated Death benefit
  • Insureds who qualify for benefits under the AD&D section of your policy

Call the toll-free number, (800) 411-7239, 24 hours per day, seven days a week to access these services.

Dental and vision

MetLife Dental

State employees - eligibility and how to enroll

Retirees - eligibility and how to enroll

With either dental insurance product, if you use MetLife’s network of participating dentists, you will be able to take advantage of negotiated fees, even after you have exceeded your annual maximum.

There are two dental product options:

  • PPO Product (MetLife Value):  If you and/or your dependents receive all of your care from a participating MetLife dentist, this product will help you save on monthly premium costs and will also usually result in lower out-of-pocket costs. However, if you are in the PPO (MetLife Value) product and you go out of network, you will need to satisfy a $100 deductible and the benefit levels are slightly lower.
  • Indemnity Product (MetLife Classic):  If you and/or your dependents intend to not visit participating dentists, choosing this plan will provide higher benefit levels, but at a higher monthly premium cost.

Both products include MetLife’s network of dentists and offer the following in-network benefits:

  • 100% coverage for preventive and diagnostic services, including periodontal maintenance cleanings
  • 80% coverage for basic services, such as root canals and extractions
  • 50% coverage for major services, such as dental implants
  • The lifetime orthodontic maximum is $1,500
  • The annual per-person calendar year maximum is $1,500 for in-network claims and $1,250 for out-of-network claims

Keep in mind that once you choose a dental product, you may not change products until the next Annual Enrollment, even if your dentist leaves the network during the year.

Questions about dental benefits?

Contact Metlife for a list of participating dentists, frequency of covered services, and out-of-network benefits.

Contact MetLife

1 (866) 292-9990

 

Davis Vision

State employees - eligibility and how to enroll

This product offers a preferred provider network of almost 2,100 Massachusetts providers, with additional providers across the country. Members receive basic services every 24 months (age 19-60) or every 12 months (age 18 or under and 61 or over) at no cost:

  • Routine eye examinations
  • Fashion and designer frames
  • Lenses
  • Scratch-resistant lens coating

Premier collection frames are covered at any of the almost 700 nationwide Visionworks® stores with no copay. Non-plan frames are covered up to $149.95 at Visionworks®.

Enhanced materials and services at all preferred providers are covered at 100% after a copay. Members can also take advantage of Davis Vision discounts on additional eyewear. When members do not use a preferred provider, they are reimbursed according to a fixed schedule of benefits

If you are retired, you may be eligible for the retiree vision discount plan.

Questions about vision benefits? 

Contact Davis Vision for co-payment amounts, participating providers, and discount programs.
Davis Vision (client code 7852) 

1 (800) 650-2466

Additional Resources

Employee assistance program (EAP)

Mass4You

Mass4You logo

 

 

 

Mass4You is an Employee Assistance Program (EAP) offered by the Group Insurance Commission (GIC) and Commonwealth of Massachusetts for all active, state and municipal employees and their families who are eligible for GIC benefits.  Enrollment in GIC health insurance coverage is not required to access services offered through Mass4You and participation in program benefits and services is confidential.

Through Mass4You, GIC benefits-eligible employees and their families have access to a comprehensive suite of resources and the confidential support needed to achieve better work/life balance, including:

  • Three in-person or Tele-EAP (virtual) counseling visits per issue per year – no cost
  • 30-minute telephonic or in-person legal consultation per issue per year – no cost
  • 30-minute telephonic or in-person mediation consultation per issue per year – no cost
  • Three financial well-being visits (with no time limit) – no cost
  • Discounted rates for ongoing legal, financial and mediation services
  • Work/life qualified referrals, such as child care, elder care, pet care, identity theft and many others

Managers and supervisors will have access to an array of resources and tools to assist their employees dealing with challenges at home or work, including unlimited telephonic management support services, Critical Incidence Support Services (CIRS) (telephonic and in-person), as well as training services (self-paced, in-person and via WebEx).

For a complete listing of Mass4You services and referrals, please visit www.liveandworkwell.com

To access Mass4You EAP benefits, such as finding a provider, getting access to counseling and all other EAP services:

  • Call 1 (844) 263-1981 (available 24/7)
  • TTY Support for the Deaf and Hard of Hearing: 711-1-844-263-1983
  • Visit liveandworkwell.com
  • If you need help with a substance abuse issue for you or a family member, call the toll-free Substance Use Treatment Helpline at 1 (855) 780-5955 to speak with a licensed clinician 24/7.

Flexible spending accounts (FSA)

Information provided in this webinar was current at the time of recording. It is not intended to provide tax or legal advice, but meant to be informational only. Examples provided may not apply to your specific situation and are provided only to illustrate how the plan works. Please consult a tax professional to understand your specific savings by participating in the FSA programs.

Benefit Strategies - benefits effective starting July 1, 2019

Eligibility and how to enroll

How to file a claim for Reimbursement

If you’re an active state or municipal employee, you can save money by paying for qualifying health care expenses on a pre-tax basis.

The GIC’s Flexible Spending Accounts (FSAs), administered by Benefit Strategies, help you save money on out-of-pocket health care costs and/or dependent care expenses.

Eligible expenses

Through the GIC’s Health Care Spending Account (HCSA), active state employees can pay for qualifying out-of-pocket health and dental care expenses on a pre-tax basis. Examples include:

  • Physician office visit and prescription drug copayments
  • Medical deductibles and coinsurance
  • Eyeglasses, prescription sunglasses, and contact lenses
  • Orthodontia and dental care
  • Hearing aids and durable medical equipment
  • Smoking cessation and childbirth classes
  • Chiropractor and acupuncture visits

For fiscal year 2020, participants can contribute from $250 to a maximum of $2,700 through payroll deduction on a pre-tax basis. Active state employees who are eligible for GIC benefits are eligible to enroll in the HCSA.

NEW for FY2020 – HCSA Debit Cards

  • Current ASIFlex FSA members will have a claim and debit card blackout period, June 17 – June 30, 2019
  • Benefit Strategies will handle all claims starting on July 1, 2019. This includes the FY2019 2½ month grace period and the FY2020 plan year
  • All FY2020 HCSA enrollees will receive a free set of 2 debit cards. These cards can also be used for any FY2019 balance remaining for use during the grace period dates.

Simplified Member Experience Coming in July 2019:

  • One debit card and one login for all programs: GIC FSA and Commonwealth’s Commuter Choice*
  • Smart card technology will process card swipes by account type (HCSA/Parking/Transit)
    • GIC HCSA funds are available July 1
    • Comptroller’s Commuter Choice account funds are available July 16

*Commonwealth’s Commuter Choice is offered by the Office of the State Comptroller; please see www.benstrat.com/clients/commonwealth for program details.

If you’re an active state employee, you can save money by paying for qualifying dependent care expenses on a pre-tax basis.

The Dependent Care Assistance Program (DCAP) allows state employees to pay for qualified dependent care expenses for a child under the age of 13, a disabled child age 13 or older, and/or an adult dependent – including day care, before- and after-school programs, elder day care, and day camp – on a pre-tax basis. You may elect a tax year DCAP contribution of up to $2,500 if married and fling separately or $5,000 per household.

Questions about FSA benefits effective starting July 1, 2019?

Contact Benefit Strategies

1 (603) 647-4666

 

ASIFlex - benefits effective until June 30, 2019.

As of July 1, 2019 Benefit Strategies will be the GIC’s new Flexible Spending Account (FSA) Administrator

What does this mean for you?

  • Enroll or re-enroll conveniently online between April 3-May 1, 2019, for benefits starting July 1, 2019. Visit www.benstrat.com/gic-fsa
  • Current ASIFlex FSA members will have a claim and debit card blackout period, June 17-June 30, 2019
  • Between June 17 – June 30 pay out of pocket and save receipts to submit claims for reimbursement to Benefit  Strategies
  • Benefit Strategies will handle all claims starting on July 1, 2019. This includes the FY2019 2 ½ month grace period and the FY2020 plan year.

HCSA

Through the GIC’s Health Care Spending Account (HCSA), active state employees can pay for qualifying out-of-pocket health and dental care expenses on a pre-tax basis. Examples include:

  • Physician office visit and prescription drug copayments
  • Medical deductibles and coinsurance
  • Eyeglasses, prescription sunglasses, and contact lenses
  • Orthodontia and dental care
  • Hearing aids and durable medical equipment
  • Smoking cessation and childbirth classes
  • Chiropractor and acupuncture visits

For fiscal year 2019, participants can contribute from $250 to a maximum of $2,650 through payroll deduction on a pre-tax basis. Active state employees who are eligible for GIC benefits are eligible to enroll in the HCSA.

If you’re an active state employee, you can save money by paying for qualifying dependent care expenses on a pre-tax basis.

The Dependent Care Assistance Program (DCAP) allows state employees to pay for qualified dependent care expenses for a child under the age of 13, a disabled child age 13 or older, and/or an adult dependent – including day care, before- and after-school programs, elder day care, and day camp – on a pre-tax basis. You may elect a tax year DCAP contribution of up to $2,500 if married and fling separately or $5,000 per household. In keeping with state statute, to participate in DCAP, you must be an active state employee and eligible for GIC benefits.

Questions about FSA benefits effective until June 30, 2019?

Contact ASIFlex

1 (800) 659-3035

Additional Resources

Funeral planning services

The Hartford

You must enroll in life insurance to receive this benefit.

Your life insurance policy entitles you to expert advice, assistance and services from the first nationwide funeral planning and concierge service—Everest.  With Everest, you can plan a funeral ahead of time, making your wishes known to remove family uncertainty and doubt.  At or near the time of death, Everest acts as a family advocate, providing as much personal assistance as your family desires.

Services provided include:

  • Unlimited use of online planning, research and tools, such as “My wishes” planning Guide and PriceFinder Research Reports—the only nationwide database of funeral home prices.
  • Concierge services from licensed funeral directors who document your family’s wishes and put that plan into action.
  • Negotiation of the funeral costs, often resulting in significant financial savings.

To learn more about the Everest services, please call (866) 854-5429 or visit the Everest Funeral website.

The first time you access Everest Funeral Planning services, you’ll need the Everest Funeral Planning Access Code:  HFEVLC

Life insurance & accidental death and dismemberment

The Hartford Life Insurance

Eligibility and how to enroll

Optional life insurance is available to provide economic support for your family. This term insurance allows you to increase your coverage up to eight times your annual salary, up to a maximum of $1.5 million. Term insurance pays your designated beneficiary in the event of your death. It is not an investment policy; it has no cash value. This is an employee-pay-all benefit.

How much do you need?

To estimate how much optional life insurance you might need, or whether this coverage is right for you, consider such financial factors as:  

  • Your family’s yearly expenses;
  • Future expenses, such as college tuition or other expenses unique to your family;
  • Your family’s income from savings, other insurance, other sources; and
  • The life insurance cost and your family’s outstanding debts. For instance, employees with young families and mortgages might need the coverage. But older employees who have paid off their mortgage and have no dependent expenses might not need it, especially because premiums increase significantly as you age.

Optional life insurance after retirement

At retirement, you should review the amount of your optional life insurance coverage and its cost to determine whether it will make economic sense for you to keep it or reduce your amount of coverage. If you have paid off your home and other debts, such as student loans, talk with a financial advisor about other programs that might be more beneficial. If you make no change to your optional life coverage at retirement, you will be responsible for the retiree optional life insurance premium, which can be substantial. Optional life insurance rates significantly increase when you retire, and continue to increase based on your age. You may decrease, but cannot increase, your amount of life insurance after you retire. If you decrease coverage and then later want to increase up to the amount you carried at the time of retirement, you may do so only with proof of good health acceptable to The Hartford.

Optional life insurance non-smoker benefit

During Annual Enrollment, retired state employees who have been tobacco-free (have not smoked cigarettes, cigars or a pipe nor used snuff, chewing tobacco or a nicotine delivery system) for at least the past 12 months are eligible for reduced non-smoker optional life insurance  rates effective July 1, 2018. Enrollment form is available on GIC’s website, mass.gov/gic-forms. You will be required to periodically recertify your non-smoking status in order to qualify for the lower rates.

Questions about life insurance?

Visit The Hartford website or

Contact the GIC 1 (617) 727-2310

 

The Hartford Accidental Death & Dismemberment Insurance

You must enroll in life insurance to receive this benefit.

In the event you are injured or die as a result of an accident while insured for life insurance, there are benefits for the following losses:

  • Life
  • Hands, Feet, Eyes
  • Speech and/or Hearing
  • Thumb and Index Finger of the Same Hand
  • Quadriplegia
  • Paraplegia
  • Hemiplegia
  • Coma
  • Brain Damage
  • Added benefits for loss of life while using an airbag or seat belt

Accelerated death benefit

This one-time benefit allows you to elect an advance payment of 25% to 80% of your life insurance death benefit if you have been diagnosed with a terminal illness. Insured employees are eligible for this benefit if the attending physician provides satisfactory evidence that you have a life expectancy of 12 months or less. Upon payment of the accelerated death benefit, future life insurance premiums are waived, regardless of your age. The remaining balance is paid to your beneficiary when you die.

Questions about accidental death and dismemberment insurance?

Visit The Hartford website or

Contact the GIC 1 (617) 727-2310

Additional Resources

Long term disability (LTD)

Unum

Eligibility and how to enroll

How to enroll during special enrollment period

If you are unable to work for 90 consecutive days due to illness or injury, this program provides income replacement. Benefits include:

  • A tax-free benefit of 55% of a participant’s gross monthly salary, up to a maximum benefit of $10,000 per month, up to the age of 65. If a participant is disabled on or after age 62, benefits may continue after age 65;
  • A benefit for partial disabilities;
  • A 36-month benefit for behavioral health disabilities;
  • A rehabilitation and return-to-work assistance benefit; and
  • A dependent care expense benefit.

Be sure to contact Unum within 90 days of your disability, even if you are still using vacation, sick time or workers’ compensation benefits. Although LTD benefits are reduced by other income sources, such as Social Security disability, workers’ compensation, and accumulated sick leave and retirement benefits, you will still receive a benefit. The minimum LTD benefit is $100 or 10% of your gross monthly benefit amount, whichever is greater. You must notify the plan if you begin receiving other benefits.

Questions about LTD benefits?

Contact Unum

1 (877) 226-8620

Additional Resources

Travel assistance and ID theft protection

The Hartford

You must enroll in life insurance to receive this benefit.

When you’re traveling, emergencies can happen.  Help is only a phone call away for employees covered under the Group Insurance Commissioner’s group policy through The Hartford.

Toll-free emergency assistance is available to you and your family 24 hours a day, seven days a week when traveling 100 miles or more from your primary home (national or international travel) for 90 days or less.  In addition to emergency services, you have access to a wide range of pre-trip informational services.  Multilingual service professionals stand ready to assist you before and during travel to over 200 countries worldwide.

Identity theft assistance helps protect you and your family from consequences of this growing crime. In addition to prevention education, this service provides advice and help with administrative tasks resulting from identity theft.

  • Education
  • Identity Theft Resolution Kit
  • Detection Services
  • Fraud alert to three credit bureaus
  • Resolution Guidance and Assistance
  • Credit information review
  • ID Theft Affidavit Assistance
  • Card replacement
  • Personal Services
  • Translation
  • Emergency cash advance. Available when theft occurs 100 miles or more from your primary residence. Must be secured by a valid credit card.

If you are covered by the GIC policy from The Hartford and you need pre-trip information, emergency medical assistance or personal assistance services while traveling, contact Travel Assistance Services.

Toll-free from the U.S. or Canada: (800) 243-6108

Collect from other locations: (202) 828-5885

Fax: (202) 331-1528

Please inform Travel Assistance Services that you are covered under the Group Insurance Commission, and provide a phone number where you can be reached, nature of the problem and this Travel Assistance Identification Number: GLD-09012.

If you have a serious medical emergency, please obtain emergency medical services first, and then contact Travel Assist for follow-up.

What services are provided?

Pre-trip information

  • VISA, Passport, inoculation and immunization requirements.
  • Embassy and consular referrals.
  • Travel advisories.

Emergency medical assistance

  • Medical referrals
  • Medical monitoring
  • Medical evacuation
  • Medical repatriation (return home)
  • Return of traveling companion
  • Return of dependent children
  • Visit from family member or friend
  • Emergency medical payments
  • Repatriation of remains
  • Replacement of medication and sunglasses

Emergency personal services

  • Sending and receiving messages
  • Emergency travel arrangements
  • Legal assistance/bail

Wellness programs

WellMass

These programs are offered through your health plan. All of the GIC’s health plans offer comprehensive wellness programs with the goal of helping you lead a healthier life. A key part of any wellness program is an online Health Risk Assessment, which is a questionnaire that you can complete to receive information about your specific health status and risks, and links to personalized content specific to your health. Check out the following links to access your health plan’s health risk assessment (note some require passwords for members-only access):
 

Each GIC health plan’s WellMASS offering provides online access to resources about Nutrition, Weight Management, Smoking Cessation, and Fitness, including reimbursement for joining a qualifying fitness center. New for FY 2019, many plans have added programs for complementary and alternative medicine-based services, and application-based offerings related to emotional health.

To get started with the WellMASS, contact your health plan for additional details on its program. Note that some of these programs are not available to Medicare members. Also, don’t forget that you also can access wellness services through Mass4You, the Employee Assistance Program.

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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