For Current Commonwealth of Massachusetts Employees

Benefits and rates effective
July 1, 2020

Annual Enrollment offers you the opportunity to review your benefit options and enroll in or change your coverage.

Here is What’s New for 2020:

Health Insurance Products

The GIC regularly reviews its plans to be sure they offer medical and behavioral health benefits that meet state and federal “parity” laws–in other words, that the plans treat behavioral health benefits the same as or better than the way they treat medical benefits.

This year, you’ll see changes to the UniCare Basic, Choice and Plus behavioral health benefits that put them more in line with the medical benefits under those plans. The GIC has eliminated or reduced some copays and deductibles. For details, see the UniCare Handbooks, available no later than July 1, 2020, at


You can save up to 30% on eligible out-of-pocket health and dependent care costs by enrolling in an FSA.

You must re-enroll in your health care or dependent care FSA every year. Visit the FSA page to learn more.


If GIC has your email address you may use myGICLink to access enrollment forms to make Annual Enrollment changes.

  • Go to
  • Enter your email address and DOB
  • Choose your GIC form(s)
  • Select Request
  • Check your email for the requested form(s)
  • Follow instructions for completion
  • Select Submit
  • Watch your email for confirmation of receipt

    All Benefit Decision Guides can be found online at with print distribution for 
    State Retirees, Retired Municipal Teachers, Municipal Employees and Retirees, and Elderly Government Retirees only as local capacity allows.

Have You Experienced Any Personal or Family
Information Changes?


  • Marriage or remarriage
  • Legal separation
  • Divorce
  • Address change
  • Birth or adoption of a child
  • Legal guardianship of a child
  • Remarriage of a former spouse
  • Dependent age 19 to 26
  • Dependent other than full-time student who has moved out of your health plan’s service area
  • Death of a covered spouse, dependent or beneficiary
  • Life insurance beneficiary change
  • You have GIC COBRA coverage and become eligible for other coverage

If you have experienced any of these events, you must notify the GIC within 60 days of your family status changes. Failure to do so can result in financial liability to you.

Where Do You Live?

Where you live determines which health insurance product you may enroll in.