Answers to Frequently Asked Questions

All GIC Employee and non-Medicare Retiree/Survivor health plans include a deductible. This is a fixed dollar amount you must pay before your health plan begins paying benefits for you or your covered dependent(s). The deductible is on a fiscal year to make it easier for members to change health plan carriers at Annual Enrollment.

An overview of various coverage scenarios for dependents age 19 to 26.

An overview of your GIC coverage is affected by divorce, separation and remarriage and your reporting responsibilities. See Qualifying Status Change FAQs below for information on adding a new spouse to coverage.

An overview of your eligibility for GIC coverage as a new hire, and under various employment scenarios.

Answers to Frequently Asked questions about Flexible Spending Account benefits – the Health Care Spending Account and the Dependent Care Assistance Program – for state employees.

An overview of benefit eligibility and where to find benefit details including provider, gym membership discounts, and other information not included on this website.

Answers to frequently asked questions by GIC Retired Municipal Teachers (RMTs).

An overview of your health plan options when you are laid off from a municipality.

An overview of your health plan and other benefit options when you are laid off from the state.

An overview of your health options under paid and unpaid leaves of absence.

An overview of your health options when you leave employment with a municipality.

An overview of your health and other benefit options when you leave employment with a state agency.

Answers  to common questions about the GIC life insurance program for state employees, retirees, and former state employees

An overview of state employee LTD program benefits, enrollment, and the claims process.

An overview of Medicare, when to enroll, and GIC Medicare Plan enrollment.

State law permits cities, towns, and other c. 32B entities such as regional school districts to transfer their employees, retirees, survivors, and dependents to the GIC for health insurance. Two parts of chapter 32B - Section 19, enacted as Chapter 67 of the Acts of 2007, and Sections 21-23, enacted as Chapter 69 of the Acts of 2011 - have different options for municipalities seeking GIC coverage. Here are answers to some frequently asked questions about the two options.

Answers to questions specific to new municipal members joining GIC health coverage.

Answers to questions about how to change your address, health plan and drug formulary changes during the year.

An overview of how moving, marriage, new dependents, involuntary loss of coverage and other qualifying events affect your GIC options.

An overview of health and other GIC benefit options at retirement.

State employees follow these steps for retirement made easy.

Municipal employees follows these steps for retirement made easy.

An overview of survivor benefits and eligibility.

All employees and non-Medicare retirees and survivors who have GIC health insurance coverage will receive a 1095-B form this winter.  These FAQs provide additional information on this form.

An overview of what you and your spouse need to do when you or your spouse turns age 65.

The prescription drug coverage for Medicare-eligible retirees and their Medicare-eligible spouse and/or dependents in the GIC’s UniCare State Indemnity Plan/Medicare Extension (OME) is provided by SilverScript.  The plan combines a standard Medicare Part D prescription drug plan with additional coverage provided by the GIC.  See these FAQs answers to questions about this prescription drug plan.