Coverage Offered for Municipal Health Insurance

The types of health plans available and eligibility for other GIC benefits.

Revised on July 19, 2017

The types of plans the GIC currently offers employees and Non-Medicare retirees and survivors

There are four types of plans: HMO, PPO-type, POS and Indemnity. The current plan options are as follows:

  • HMOs and HMO-type plans: Fallon Health Direct, Fallon Health Select, Harvard Pilgrim Primary Choice Plan, Health New England, NHP Prime (Neighborhood Health Plan), and Tufts Spirit.
  • PPO Type: UniCare State Indemnity Plan/Community Choice and UniCare State Indemnity Plan/PLUS.
  • POS Plans: Harvard Pilgrim Independence Plan and Tufts Health Plan Navigator.
  • Indemnity: The UniCare State Indemnity Plan/Basic.

The types of plans the GIC offers Medicare-eligible retirees

  • HMO: Fallon Senior Plan, Health New England MedPlus, Tufts Health Plan Medicare Complement and Tufts Health Plan Medicare Preferred
  • Indemnity: Harvard Pilgrim Medicare Enhance and The UniCare State Indemnity Plan/Medicare Extension

Please note that the GIC is in the midst of a new health plan procurement; new plans may be added in 2018, and some of the current plans could change or end at that time.

Municipal Employers’ subscribers are not eligible for other GIC benefits

Sections 19 and 23 address only health coverage. Other non-health benefits currently provided by Municipal Employers will continue to be their responsibility.

Since non-union charter schools and education collaborative subscribers join GIC health coverage through chapter 32A, not Chapter 32B, Section 19 or 23, they are eligible for other GIC benefits

Certain local or regional entities – Commonwealth charter schools and non-union education collaboratives, regional planning agencies and regional councils of government may join the GIC by adopting chapter 32A.  Entities that join GIC coverage through chapter 32A are eligible to receive other GIC state employee and retiree benefits.


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