Annual Enrollment Checklist
If you make no changes, your current GIC health benefits will remain in place at the new rates effective July 1, 2020.
Review this website to identify which health insurance products are offered and which one is the best for you.
Tip: Use the non-Medicare and Medicare locator maps on pages 4 and 9 to find which products are offered in your area.
MAKE SURE YOU UNDERSTAND YOUR OPTIONS.
For example, if you are a non-Medicare retiree, you may have the option to select a lower cost regional or limited network product. These products feature the same or better benefits as broad network products, but at a lower cost because they include a smaller network of providers (doctors and hospitals). For more information, visit Non-Medicare Health Products or call us at 1.617.727.2310.
CONTACT your health and other insurance carriers about any product or tier changes.
If you wish to keep your current coverage, no action is needed. Your coverage continues at the new rates.
- Annual enrollment is your once-a-year opportunity to change your health plan or coverage election.
- You may make certain changes to your elections within 60 days of a qualifying event. Qualifying events include marriage, birth/adoption, involuntary loss of other coverage, spouse’s Annual Enrollment or return from an approved FMLA or military leave. Your doctor or hospital leaving a network is not a qualifying event. For complete details, go to bit.ly/giclifeevents.
- Physician and hospital copay tiers change each July 1. If you are enrolled in a non-Medicare plan, check with your health insurance carrier to see if your provider(s) or hospital tier has changed.
- Doctors and hospitals within your network may change during the year. If your provider is no longer available, your health insurance carrier will help you find a new one.
- When checking provider coverage and tiers, specify the health insurance product’s full name, such as “Tufts Health Plan Spirit” or “Tufts Health Plan Navigator,” and not just “Tufts Health Plan.” Your health insurance carrier is the best source for this information.
- Do not enroll in a non-GIC Medicare Part D product. All GIC Medicare plans include Medicare Part D coverage. If you enroll in another Part D product, the Centers for Medicare and Medicaid Services will disenroll you from your GIC coverage. This means that you will lose your GIC health, behavioral health and prescription drug benefits.