non-Medicare
Health Products
Where you live determines which health insurance
product you may enroll in.
The bold text is a shortened version of the full product name. These names are used to indicate which product is available in each county for non-Medicare coverage. Medicare plans use the full product name.
NON-MEDICARE PLANS
DIRECT – Fallon Health Direct Care
SELECT – Fallon Health Select Care
INDEPENDENCE – Harvard Pilgrim Independence
PRIMARY CHOICE – Harvard Pilgrim Primary Choice
HNE – Health New England
ALLWAYS COMPLETE – AllWays Health Partners Complete HMO
NAVIGATOR – Tufts Health Plan Navigator
SPIRIT – Tufts Health Plan Spirit
BASIC – UniCare State Indemnity Plan/Basic
COMMUNITY CHOICE – UniCare State Indemnity Plan/Community Choice
PLUS – UniCare State Indemnity Plan/PLUS
Massachusetts Coverage: NON-MEDICARE
BARNSTABLE
Independence, AllWays Complete,
Navigator, Spirit, Basic, Community
Choice, PLUS
BERKSHIRE
Select, Independence, Primary
Choice, HNE, Navigator, Spirit*, Basic,
Community Choice, PLUS
BRISTOL
Direct, Select, Independence, Primary
Choice, AllWays Complete, Navigator,
Spirit, Basic, Community Choice, PLUS
DUKES
Independence, AllWays Complete,
Navigator, Basic, PLUS
ESSEX
Direct, Select, Independence, Primary
Choice, AllWays Complete, Navigator,
Spirit, Basic, Community Choice, PLUS
FRANKLIN
Select, Independence, Primary Choice, HNE, Navigator, Spirit, Basic, Community Choice, PLUS
HAMPDEN
Direct*, Select, Independence, Primary Choice, HNE, Navigator, Spirit, Basic, Community Choice, PLUS
HAMPSHIRE
Direct*, Select, Independence, Primary Choice, HNE, Navigator, Spirit*, Basic, PLUS, Community Choice
MIDDLESEX
Direct, Select, Independence, Primary Choice, AllWays Complete, Navigator, Spirit, Basic, Community Choice, PLUS
NANTUCKET
Independence, AllWays Complete, Navigator, Basic, PLUS
NORFOLK
Direct, Select, Independence, Primary Choice, AllWays Complete, Navigator, Spirit, Basic, Community Choice, PLUS
PLYMOUTH
Direct, Select, Independence, Primary Choice, AllWays Complete, Navigator, Spirit, Basic, Community Choice, PLUS
SUFFOLK
Direct, Select, Independence, Primary Choice, AllWays Complete, Navigator, Spirit, Basic, Community Choice, PLUS
WORCESTER
Direct, Select, Independence, Primary Choice, HNE, AllWays Complete, Navigator, Spirit, Basic, Community Choice, PLUS
Outside of Massachusetts
Non-Medicare: The UniCare State Indemnity Plan/Basic is the only health insurance product offered by the GIC that is available throughout the United States and outside of the country. The following plans are available in the states listed below:
CONNECTICUT
Independence, HNE*, Navigator*, Basic, PLUS*
NEW YORK
Independence*, Navigator*, Basic
MAINE
Independence, Navigator*, Basic, PLUS
RHODE ISLAND
Independence, Navigator, Basic, PLUS
NEW HAMPSHIRE
Select*, Independence, Navigator*, Basic, PLUS
VERMONT
Independence*, Navigator*, Basic, PLUS
*Not every city and town is covered in this county or state; contact the health insurance carrier to find out if you live in the service area. The product also has a limited network of providers in this county or state; contact the health insurance carrier to find out which doctors and hospitals participate.
Non-Medicare Health Insurance Rates
Non-Medicare Health Insurance Benefits-at-a-Glace
If you participate in a non-Medicare plan, GIC protects you from balance billing under Massachusetts General Law Chapter 32A, §20.
If you receive covered, medically necessary medical care in Massachusetts, doctors, hospitals, and other medical providers may only collect the amount covered by your GIC plan. You are still responsible for your share of the plan’s copays, deductibles, and any other eligible medical out-of-pocket costs, but not any excess.
Always compare bills to the Explanation of Benefits (EOB) statement provided by your GIC health carrier. If you are not sure your invoice is a balance bill, call your health carrier. If it is a balance bill, advise your provider that as a GIC member, you are not liable for their excess compensation. If your provider persists in efforts to collect, contact the Group Insurance Commission.