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.

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