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University of Massachusetts > Human Resources > Health Insurance
Health Insurance
All full-time and part-time benefited employees are eligible for a health insurance plan administered through the Group Insurance Commission that covers the employee, their spouse and dependent children (under the age of 19). Coverage is effective on the first of the month following 60 calendar days of employment.
Employees are eligible to join a health plan during their first 10 working days of employment. Changes to health plans may also be made during annual enrollment in April-May each year. There are other qualifying events (i.e. birth/adoption of a child, marriage, divorce, loss of spouse's benefits, etc.) that allow for enrollment in health plans outside of the annual enrollment period. Please contact the Benefits Office for more information.
- Employees with a hire date on or before June 30, 2003, pay 20% of the premium.
- Employees with a hire date after June 30, 2003, pay 25% of the premium.
The Group Insurance Commission offers coverage through the plans listed below. For more information, you may click on one of the links in the list or visit the GIC Website.
State Employee Monthly Basic Life and Health Rates Effective February 1, 2010
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For Employees Hired (on or before June 30, 2003)
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For Employees Hired (after June 30, 2003)
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20%
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25%
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Employee Pays Monthly
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Employee Pays Monthly
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Basic Life Insurance Only
($5,000 Coverage)
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$1.37
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$1.71
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Health Plan
Premium includes Basic Life Insurance
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Individual |
Family
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Individual
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Family
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Fallon Community Health Plan Direct Care www.fchp.org
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$76.65
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$182.03 |
$95.81
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$227.54
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Fallon Community Health Plan Select Care www.fchp.org
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91.66
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218.07
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114.58
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272.59
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Harvard Pilgrim Independence Plan www.harvardpilgrim.org/gic
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98.48
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235.40
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123.10
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294.25
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Health New England www.hne.com
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81.66
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200.38
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102.07
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250.48
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Navigator by Tufts Health Plan www.tuftshealthplan.com/gic
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98.63
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235.72
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123.28
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294.64
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NHP Care (Neighborhood Health Plan) www.nhp.org
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78.40
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205.49
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97.99
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256.86
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UniCareStateIndemnity Plan/Basic with CIC(Comprehensive) www.unicarestateplan.com
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173.96
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403.96
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209.09
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485.57
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UniCare State Indemnity Plan/Basic without CIC (Non-Comprehensive) www.unicarestateplan.com
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140.53
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326.41
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175.66
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408.02
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UniCare State Indemnity Plan/Community Choice www.unicarestateplan.com
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77.01
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183.00
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96.26
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228.74
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UniCare State Indemnity Plan/PLUS www.unicarestateplan.com
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101.21
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239.67
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126.51
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299.58
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This information provided by the Group Insurance Commission.
Dependent Age 19 and Over
Dependent children over the age of 19, but under the age of 24 who are unmarried and are in full-time attendance at an accredited educational or vocational institution are also covered. Your full-time student dependent can continue health coverage until he/she ceases to attend school full-time. At age 24, your child may be eligible to continue health coverage as an IRS Dependent or as a Non-IRS Dependent up to age 26 or two years after losing dependent status according to IRS rules, whichever occurs first. In addition, at age 24, you can continue full-time student coverage by paying an individual monthly full-cost premium.
Complete and return the Dependent Age 19 and Over Application for Coverage.
If your dependent is a Non-IRS Dependent, you are subject to imputed income on the value of the full-cost individual premium for the health plan in which you are enrolled.
Click here for more information regarding Dependent Students.
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