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Health Insurance

Benefited faculty and staff are eligible for health, life, and long-term disability insurance coverage as well as flexible spending accounts, through the Massachusetts Group Insurance Commission (GIC).

Benefited Employees

Click here to access GIC Benefits Decision Guide

  • Click here to see the various health plan options for active state employees.
  • Group Insurance Commission, 1.617.727.2310
  • GIC provides and administers health insurance and other benefits to the commonwealth’s employees and retirees, and their dependents and survivors.
  • Full-time and at least 50% part-time employees are eligible for these benefits

Benefited Employees’ Spouse and Dependents

An employee’s spouse and dependent (up to age 26) are covered with GIC health insurance provided that the correct documentation and paperwork is filled out in a timely manner.

COBRA

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in hours worked, transition between jobs, and other life events. Qualified individuals may be required to pay the entire premium coverage up to 102 percent of the cost of the plan.

For more information please see https://www.dol.gov/general/topic/health-plans/cobra.

You may be able to get coverage through the Health Insurance Marketplace that costs less than COBRA continuation coverage. For more information, please visit www.healthcare.gov.

Effective Date Calendar

For new employees, coverage will begin on the first day of the month following 60 Calendar days from the date of employment, or two calendar months, whichever comes first.

If the date of employment is from Coverage begins on
January 2–February 1 April 1
February 2–March 2 May 1
March 3–April 2 June 1
April 3–May 2 July 1
May 3–June 2 August 1
June 3–July 3 September 1
July 4–August 2 October 1
August 3–September 2 November 1
September 3–October 2 December 1
October 3–November 2 January 1
November 3–December 3 February 1
December 4–January 1 March 1
  • Eligible new employees must make their benefit elections within (10) calendar days of the employee’s first date of employment.  
  • Family coverage requires a copy of a Marriage Certificate for spouse and a copy of a Birth Certificate for each dependent. 
  • If dependent is age 19 or over a Dependent Age 19 or Over Application Form is also required.
  • Employees who do not enroll in a health insurance plan when first eligible, may enroll during Annual Enrollment.
    • Coverage will begin July 1, following Annual Enrollment.

Enroll or Change Coverage

Coverage is effective the first day of the month following 60 days in an eligible position with employees contributing 25% of the total health and basic life insurance premiums. Click here for the Effective Date of Benefits Schedule.

To enroll, change coverage, change address, add/drop spouse/dependents, switch from individual to family coverage, etc., an employee must fill out Form-1.

  • Some changes may require additional documentation
  • Please read Form 1 and instructions on back of form

Employees may change plans during annual open enrollment (the end-of-April/beginning-of-May each year with plan changes effective July 1).  Check our Annual Enrollment section for more information.

Employees may also change coverage when a qualifying life event occurs. For more information, please see http://www.mass.gov/anf/employee-insurance-and-retirement-benefits/status-changes/qualifying-life-events-and-your-options.html.

Frequently Asked Questions

GIC Health Plans and Rates

GIC offers different health plans for comprehensive coverage for necessary medical treatment, preventative care and prescription drugs. These plan types are indemnity, PPO-type, POS, HMO, and EPO. Click here for state employee health plans and rates.

Non-Benefited Employees

Employees who are not eligible for benefits through the GIC or who need interim coverage while waiting for their GIC coverage to commence may access the Massachusetts Health Connector. The Health Connector offers plans from many of Massachusetts major insurance carriers and each carrier offers at least three coverage options. To enroll in one of these programs, and for more information, go to https://betterhealthconnector.com/get-started/individuals-families.