Retiree Dental Benefits for State Retirees and Participating Municipalities

Fixed reimbursement for dental services

The Retiree Dental Plan offers a fixed reimbursement for dental services, such as examinations, cleanings, fillings, crowns and dentures. Additional information about Retiree Dental benefits are located here.

GIC Retiree Dental Plan

The GIC has selected Metropolitan Life Insurance Company (MetLife) to continue as its carrier for the GIC Retiree Dental Plan.  The plan offers a fixed reimbursement of up to $1,250 per member per year for dental services:

  • Dental examinations
  • Dental cleanings
  • Fillings
  • Crowns
  • Dentures
  • Dental implants

Benefit Enhancement Effective July 1, 2017

  • Rates are remaining the same
  • The reimbursement table of allowance is increasing for the most highly used services by approximately 5%, reducing participants’ out-of-pocket costs.  These services include periodic oral evaluation, cleanings, periodontal maintenance, Endosteal implants, and bitewing X-rays.

As a member of this plan, you may go to the dentist of your choice. However, you will save money by visiting one of the over 370,000 nationwide network of participating dentists.  When you visit a MetLife provider, your out-of-pocket expenses will be lower, as you usually pay the lower negotiated fee, even after you have exceeded your annual maximum. 

This is an entirely voluntary (retiree-pay-all) plan that provides GIC members with coverage at discounted group insurance rates through convenient pension deductions. 


All state retirees, Elderly Governmental Retirees (EGRs), survivors, GIC Retired Municipal Teachers (RMTs who do not participate in the municipal health-only program) and Retirees and Survivors from participating Municipalities are eligible for the GIC Retiree Dental Plan.


Eligible retirees and survivors may join during annual enrollment, within 60 days of a qualifying status change, when COBRA dental coverage ends, when you become a survivor of a GIC member, or at retirement. Complete and return to the GIC the State Retiree Dental Form. Eligible Municipal Retirees return the Municipal Retiree Dental Form to your Municipal benefit office. However, if you have ever dropped coverage, you can never re-enroll in the plan.

State Retiree Dental Plan Rates and Municipal Retiree Dental Plan Rates


Participating Municipalities That Offer GIC Retiree Dental Plan

The following municipalities offer the GIC Retiree Dental Plan

Cities - 1

Melrose (effective 7/1/13)

Towns - 14

Ashland (effective 7/1/15)
Bedford (effective 7/1/13)
Brookline (effective 7/1/13)
Holbrook (effective 7/1/13)
Holden (effective 7/1/13)
Hopedale (effective 7/1/13)
Middleborough (effective 7/1/15)
Millis (effective 7/1/13)
North Andover (effective 7/1/14)
Randolph (effective 7/1/13)
Swampscott (1/1/16)
Weston (effective 7/1/15)
Westwood (effective 7/1/16)
Winchendon (effective 7/1/16)

School Districts - 2

Athol Roylston School District (effective 7/1/13)
Northeast Regional Technical School (effective 7/1/13)

The deadline for municipalities to notify the GIC to join the GIC Retiree Dental Plan for January 1, 2018, is July 1, 2017.

Retiree Dental Questions?

Contact MetLife for a list of participating dentists and other benefit information.



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