Health Insurance by MA Group Insurance Commission
GIC provides high-value health insurance and other benefits to the state, municipality, school district employees, and retirees (and their survivors and dependents). Find out below about plan options if you are GIC-eligible and how to enroll in benefits during annual enrollment and as a new hire enrollee. Annual enrollment allows current participants to review their options and make changes if desired.
Consider enrolling in a limited network plan (HMO) to save money every month on your premiums. These plans have the same benefits as the wider network plans but save money because they have fewer physicians, hospitals, and other providers.
Contact the plans (not your doctors) to find out if your doctors and hospitals still participate in your plan. Specify the plan’s full name, such as “Harvard Pilgrim Primary Choice Plan” or “Harvard Pilgrim Independence Plan,” not just Harvard Pilgrim
Check on copay tier assignments that affect what you pay when you get a specialist or hospital services. Copay tiers can change each July 1.
Check GIC’s website for the latest annual enrollment news, forms to expedite your decisions and answers to frequently asked questions.
What has changed for the 2023-2024 School Year?
- Harvard Pilgrim Independence (POS), Harvard Pilgrim Primary Choice (HMO), Tufts Navigator (POS), Tufts Spirit (HMO), and Unicare Basic (IND) will no longer be available to subscribers.
- Allways Health Partners Complete (HMO) has changed its name to Mass General Brigham Health (HMO) and has become a Broader Network to include coverage for all of Massachusetts.
- Tufts Health Plan Navigator (POS) will become Harvard Pilgrim Explorer (POS).
- Harvard Pilgrim Primary Choice (HMO) and Tufts Health Plan Spirit (HMO) will become Harvard Pilgrim Quality (HMO).
- Health New England (HMO) will only be available for Western Massachusetts residents.
- Unicare Basic (IND) will become Unicare Total Choice (IND) for New England and International Residents.
Keep in mind!
Once you choose a health plan, you cannot change plans during the year, unless you have a qualifying status change or move out of the plan’s service area, or are retiring and becoming eligible for Medicare. If your doctor or hospital leaves your health plan, you must find a new participating provider in your chosen plan.
New Hires: There is a waiting period of 60 (sixty-days) for all new hires. Please contact us for more information.