City & School Employees: 2022 Annual Enrollment is OPEN

Annual Enrollment Dates: May 1st to 31st

Now is the time to add or change your benefits!

  • Do you need to add a dependent to your coverage?

    Annual enrollment is the only time of year you're allowed to add a dependent to your health & dental plan without a qualifying event.

  • Don't forget - dental coverage comes in 2 tiers for current employees

    Make the switch from low (basic) option to high (enhanced) option - or vice versa!

  • All enrollments & changes will be effective July 1st

  • BCBS Members: All employees enrolled in a BCBS health plan will be receiving new member id cards this summer regardless of whether you make any changes to your coverage.

    Members to Receive Updated ID Cards (PDF)


Quicklinks for Retired Employees:

Click on the topic below to be redirected:

·Non-Medicare Health Plans·Medicare Supplemental Plans·Dental Insurance

·Rate Sheet ·Annual Enrollment Flyer 


Quicklinks for Current Employees:

Click on the topic below to be redirected:

·Health Insurance·Dental Insurance·Annual Enrollment Flyer
·Deferred Compensation·Employee Assistance Plans·Rate Sheet
·Flex Spending·Good Health Gateway·Beverly Federal Credit Union
·Additional Benefits (Disability, Whole Life, Critical Care, etc.)




Retired Employees


Retiree Annual Enrollment Flyer (PDF) 


Retiree Health Insurance Rate Sheet (PDF)


RETIREE HEALTH INSURANCE:

Non-Medicare Plans (for retirees not yet age 65 and/or not enrolled in Medicare):

BCBS Network Blue New England HMO

Additional Network Blue Info:

Harvard Choice Net HMO

  • Monthly Rate for Individual plan $168.40
  • Monthly Rate for Family plan $439.94
  • 5% increase for FY23
  • Harvard Choice Plan Summary (PDF)
  • Plan requirement: must live in New England

Additional Harvard Choice Info:


BCBS Master Medical Indemnity

  • Monthly Rate for Individual plan $360.59
  • Monthly Rate for Family plan $897.82
  • 5% increase for FY23
  • Plan Summary (PDF)
  • Nationwide coverage
  • No changes to plan basics


Medicare Supplemental Plans (for retirees age 65 & over and/or enrolled in Medicare Parts A & B):

Tufts Medicare Preferred (designed to coordinate with Medicare A&B)

BCBS Managed Blue for Seniors (designed to coordinate with Medicare A&B)

  • Monthly Rate is $111.99  per person
  • Surviving spouse (widow/widower) Rate: $279.98 per month
  • 3.2% increase for FY23
  • Includes prescription coverage
  • Plan Summary (PDF)
  • Plan requirement: must live in Massachusetts

BCBS Medex3 (designed to coordinate with Medicare A&B)

  • Monthly Rate is $152.72 per person
  • Surviving spouse (widow/widower) Rate: $305.45 per month
  • 5% increase for FY23
  • Includes prescription coverage
  • Plan Summary (PDF)
  • Able to live anywhere in the country


RETIREE DENTAL INSURANCE:

Altus Dental - Retiree Plan

  • Monthly Rate for Subscriber Only: $47.24
  • Monthly Rate for Subscriber +1: $94.48
  • 0% increase for FY23
  • Plan Summary (PDF)
  • Nationwide coverage




Current Employees

ANNUAL ENROLLMENT FLYER (PDF)

CURRENT EMPLOYEE FY22 RATE SHEET (PDF)

NEW! BCBS and HARVARD Ekits:  Everything you need to know about your health plan - all in one place.

FY23 BCBS Online Ekit (208 pages) : Click here

FY23 Harvard Online Ekit (54 pages) : Coming soon!


CURRENT EMPLOYEE HEALTH INSURANCE:

BCBS Network Blue New England (HMO)

Additional Network Blue Info:

Harvard Choice Net (HMO)

  • Weekly Rate for Individual plan $38.86
  • Weekly Rate for Family plan $101.52
  • 5% increase for FY23
  • Harvard Choice Plan Summary (PDF)
  • Plan requirement: must live in New England

Additional Harvard Choice Info:


BCBS Master Medical (Indemnity)


CURRENT EMPLOYEE DENTAL INSURANCE: 

Altus Dental - High Option

Altus Dental - Low Option

More Altus information:



ADDITIONAL BENEFITS for CURRENT EMPLOYEES:

All full time employees are eligible to enroll in the following optional plans:

  • Critical Illness Insurance offered by Boston Mutual 
  • Voluntary Term Life Insurance offered by Standard Insurance
  • Whole Life Insurance (lifetime coverage that accumulates a cash value) offered by Colonial Life
  • Short Term Disability (includes absences due to accident, surgery, maternity leave, plus...) offered by Colonial Life
  • Membership Benefits Annual Enrollment Flyer (PDF) NEW!

Click on the links below to learn more about each benefit:

These plans are available only once a year during Annual Enrollment. Feel free to contact Jesse, even if only to ask a question or to familiarize yourself with the types of coverage offered. 

Coverage effective date will be July 1st.

Enrollments are handled one-on-one by Benefit Specialist Jesse White of Membership Benefits Group:

Some coverage options may require Evidence of Insurability (EOI) paperwork.




Deferred Compensation Plans


Good Health Gateway


Employee Assistance Program


Beverly Municipal Federal Credit Union



Flexible Spending Accounts