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Benefits Open Enrollment

Enrollment forms are due to the UMass Lowell Benefits Office no later than Wednesday, May 2, 2018 if making benefits changes.

2018 Annual Enrollment Begins April 4 and Ends MAY 2

Please call the Benefits Office at 978-934-4100 or email us at: Benefits@uml.edu if you have any questions.

Changes made take effect July 1, 2018

Annual enrollment time is here, giving you the opportunity to review your benefit options and choose a new health plan or make other benefit changes if you wish. Take action during Annual Enrollment! Do your homework, even if you think you want to stay in the same health plan. Take this opportunity to think about what you and your family need in the way of health care and other benefits.

During annual enrollment, if eligible, you may:

Be sure to review the 2018-2019 Active State Employee Benefit Decision Guide which provides an overview of benefits for active state employees. This guide reviews the benefit and rate changes effective July 1, 2018.

GIC Health Fair Schedule

Health fairs offer the opportunity to speak directly with GIC staff and health plan representatives about the products and benefits available to you. Check out the 2018 health fair events near you. 

On-Campus Benefits Information Session

In addition to the GIC Health Fairs, which are held at various locations throughout the Commonwealth, UMass Lowell will offer a Benefits Information Session at the following location:

  • Thursday, April 12, 2018 from 11 a.m. to 2 p.m. at Wannalancit Business Center, 3rd floor, Suite 305

UML Benefits staff will be available to answer your questions and to provide assistance with the benefits enrollment process.  In addition Fidelity, the SMART Plan, MetLife and ComPsych will have information tables.  

For more information, check out Annual Open Enrollment News.

For current updates affecting GIC members, check out GIC News and Announcements

BENEFIT CHANGES THAT WILL TAKE EFFECT JULY 1, 2018

Health Plan Changes

Health Plans Reopened to All Members Effective July 1, 2018.

The Harvard Independence Plan, Tufts Navigator and Fallon Health Select Plans are no longer closed to new members effective July 1, 2018.  This means during open enrollment current employees may enroll in these plans.  New plan choices will take effect July 1, 2018.   

Rx Carve-out

In an effort to help GIC members save on pharmaceutical costs, the GIC has contracted with Express Scripts (ESI) to manage the prescription drug benefit for all GIC non-Medicare medical products beginning July 1, 2018. You will receive a separate ID card that you will be required to use when filling your prescriptions. You will be able to access a broad network of retail pharmacies to fill a 30-day supply and can fill a 90-day supply through mail order or at a CVS Pharmacy.

Behavioral Health Carve-in

Every member will receive behavioral health benefits through their health insurance carrier.  Members should contact their health insurance carrier directly to learn more about this change.

Harvard Pilgrim Independence Plan 

What’s changing for this plan year:

  • Reduced copay from $90 to $75 for third-tier specialists
  • For members 21 and under, new $2,000 per hearing aid per impaired ear every 24 months
  • Emergency ambulance (no charge after deductible)
  • New vendor for prescription drug coverage: Express Scripts

Find a Harvard Pilgrim provider.

Learn more about the Harvard Pilgrim Independence Plan.

See the Harvard Pilgrim Independence Summary of Benefits and Coverage (SBC) document for more information. 

Harvard Pilgrim Primary Choice

What’s changing for this plan year:

  • Lower medical deductible: from $500 (individual)/$1,000 (family) to $400 (individual)/$800 (family)
  • For members 21 and under, new $2,000 per hearing aid per impaired ear every 24 months
  • New vendor for prescription drug coverage: Express Scripts
  • New $15 copay for Telehealth visits

Find a Harvard Pilgrim provider.

Learn more about the Harvard Pilgrim Primary Choice Plan.

See the Harvard Pilgrim Primary Choice Summary of Benefits and Coverage (SBC) document for more information.

Tufts Health Plan Spirit 

What’s changing for this plan year:

  • Lower medical deductible: from $500 (individual)/$1,000 (family) to $400 (individual)/$800 (family)
  • Reduced copay from $90 to $75 for third-tier specialists
  • Reduced inpatient hospital copay to $275 for Tier 1 and $500 for Tier 2
  • For members 21 and under, new $2,000 per hearing aid per impaired ear every 24 months
  • New vendor for prescription drug coverage: Express Scripts

Find a Tufts Health Plan Spirit/Navigator provider.

Learn more about the Tufts Health Plan Spirit.

See the Tufts Health Plan Spirit Summary of Benefits and Coverage (SBC) document for more information.

Tufts Health Plan Navigator 

What’s changing for this plan year:

  • Reduced copay from $90 to $75 for third-tier specialists
  • For members 21 and under, new $2,000 per hearing aid per impaired ear every 24 months
  • Emergency ambulance (no charge after deductible)
  • New vendor for prescription drug coverage: Express Scripts

Find a Tufts Health Plan Spirit/Navigator provider.

Learn more about the Tufts Health Plan Navigator.

See the Tufts Navigator Summary of Benefits and Coverage (SBC) document for more information.

UniCare State Indemnity Plan/Basic with CIC

What’s changing for this plan year:

  • Reduced copay from $90 to $75 for third-tier specialists
  • New combined medical and pharmacy out-of-pocket maximum ($5,000/$10,000)
  • New vendor for prescription drug coverage: Express Scripts
  • Emergency ambulance (no charge after deductible)

Find a UniCare Basic, Plus and Community Choice provider.

Learn more about the UniCare Basic with CIC Plan.

See the UniCare Basic with CIC Summary of Benefits and Coverage (SBC) document for more information.

See the UniCare Basic without CIC Summary of Benefits and Coverage (SBC) document for more information.

Unicare Community Choice

What’s changing for this plan year:

  • Lower medical deductible from $500 (individual)/$1,000 (family) to $400 (individual)/$800 (family)
  • Reduced copay from $90 to $75 for third-tier specialists
  • New combined medical and pharmacy out-of-pocket maximum ($5,000/$10,000)
  • Lowered copay for Patient Centered PCPs from $20 to $15
  • For members 21 and under, new $2,000 per hearing aid per impaired ear every 24 months
  • New vendor for prescription drug coverage: Express Scripts

Find a UniCare Basic, Plus and Community Choice provider.

Learn more about the UniCare Community Choice Plan.

See the UniCare Community Choice Summary of Benefits and Coverage (SBC) document for more information.

Unicare Plus 

What’s changing for this plan year:

  • Reduced copay from $90 to $75 for third-tier specialists
  • New combined medical and pharmacy out-of-pocket maximum ($5,000/$10,000)
  • New vendor for prescription drug coverage: Express Scripts
  • Emergency ambulance (no charge after deductible)
  • Expansion of in-network coverage area in New England and border states

Find a UniCare Basic, Plus and Community Choice provider.

Learn more about the UniCare PLUS Plan.

See the UniCare PLUS Summary of Benefits and Coverage (SBC) document for more information.

Fallon Health Select Care 

What’s changing for this plan year:

  • Separate medical and prescription drug deductible: $500 (individual)/$1,000 (family) for medical and $100 (individual)/ $200 (family) for prescription drugs
  • Reduced copay from $90 to $75 for third-tier specialists
  • For members 21 and under, new $2,000 per hearing aid per impaired ear every 24 months
  • New vendor for prescription drug coverage: Express Scripts
  • New $15 copay for Telehealth visits

Find a Fallon provider.

Learn more about the Fallon Health Select Plan.

See the Fallon Select Summary of Benefits and Coverage (SBC) document for more information.

Fallon Health Direct Care

What’s changing for this plan year:

  • Separate medical and prescription drug deductible: $400 (individual)/$800 (family) for medical and $100 (individual)/ $200 (family) for prescription drugs.
  • Reduced copay from $90 to $75 for third-tier specialists
  • New vendor for prescription drug coverage: Express Scripts

Find a Fallon provider.

Learn more about the Fallon Health Direct Plan.

See the Fallon Health Direct Summary of Benefits and Coverage (SBC) document for more information.

NHP Prime (Neighborhood Health Plan)

What’s changing for this plan year:

  • Reduced copay from $90 to $75 for third-tier specialists
  • For members 21 and under, new $2,000 per hearing aid per impaired ear every 24 months
  • New vendor for prescription drug coverage: Express Scripts
  • New $15 copay for Telehealth visits

Find a Neighborhood Health Plan provider.

Learn more about the Neighborhood Health Plan Prime.

See the Neighborhood Health Plan Prime Summary of Benefits and Coverage (SBC) Summary of Benefits and Coverage.

Other GIC Benefit Changes

Pre-Tax Flexible Spending Accounts 

The Health Care Spending Account maximum will increase to $2,650 effective July 1, 2018.