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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
- Monthly Rate for Individual plan $165.03
- Monthly Rate for Family plan $431.14
- 5% increase for FY23
- Network Blue Plan Summary (PDF)
- Network Blue Coverage Summary (PDF)
- Plan requirement: must live in New England
Additional Network Blue Info:
- Plan Basics (PDF)
- Hospital Cost Share Summary (PDF)
- Mail Order Prescription Info (PDF)
- BCBS Pharmacy Program (PDF)
- Download the Mobile App - MyBlue (PDF)
- Website: Premier Health & Wellness Discounts - Blue365
Free to join - provides access to exclusive member discounts, including: fitness, apparel, footwear, hearing, vision, nutrition, travel etc. (BCBS member id # required for enrollment) - Website: BCBS HealthCare101 - City of Beverly
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:
- Member Account Basics (PDF)
- Virtual Benefits Fair Flyer (PDF)
- Why Choose Harvard? (PDF)
- Virtual Visits (PDF)
- Provider Info (PDF)
- Preventive Screening Checklist (PDF)
- Behavioral Health (PDF)
- Health Coaching (PDF)
- Website: Harvard Virtual Benefits Fair - City of Beverly
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)
- No change to Monthly Rate of $78.50 per person
- Surviving spouse (widow/widower) Rate: $196.25 per month
- Next possible rate change will be January 2023
- Includes prescription coverage
- Tufts Plan Summary (PDF)
- Tier Information for 100 Most Utilized Medications (PDF)
- Plan requirement: must live in Massachusetts
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
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)
- Weekly Rate for Individual plan $38.08
- Weekly Rate for Family plan $99.49
- 5% increase for FY23
- Network Blue Plan Summary (PDF)
- Network Blue Coverage Summary (PDF)
- Plan requirement: must live in New England
Additional Network Blue Info:
- Plan Basics (PDF)
- Hospital Cost Share Summary (PDF)
- Mail Order Prescription Info (PDF)
- BCBS Pharmacy Program (PDF)
- Download the Mobile App - MyBlue (PDF)
- Website: Premier Health & Wellness Discounts - Blue365
Free to join - provides access to exclusive member discounts, including: fitness, apparel, footwear, hearing, vision, nutrition, travel etc. (BCBS member id # required for enrollment) - Website: BCBS HealthCare101 - City of Beverly
- NEW as of July 1, 2022: You can now be reimbursed for Fitness Equipment!
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:
- Member Account Basics (PDF)
- Virtual Benefits Fair Flyer (PDF)
- Why Choose Harvard? (PDF)
- Virtual Visits (PDF)
- Provider Info (PDF)
- Preventive Screening Checklist (PDF)
- Behavioral Health (PDF)
- Health Coaching (PDF)
- Website: Harvard Virtual Benefits Fair - City of Beverly
BCBS Master Medical (Indemnity)
- Weekly Rate for Individual plan $83.21
- Weekly Rate for Family plan $207.19
- 5% increase for FY23
- Master Medical Plan Summary (PDF)
- Master Medical Coverage Summary (PDF)
- Nationwide coverage
- No changes to plan basics
CURRENT EMPLOYEE DENTAL INSURANCE:
Altus Dental - High Option
- Weekly Rate for Individual plan $11.70
- Weekly Rate for Family plan $28.96
- 0% increase for FY23
- Altus Enhanced Plan Summary (PDF)
- No changes to plan basics
Altus Dental - Low Option
- Weekly Rate for Individual plan $8.58
- Weekly Rate for Family plan $23.99
- 0% increase for FY23
- Altus Basic Plan Summary (PDF)
- No changes to plan basics
More Altus information:
- Altus Dental Online Account Info (PDF)
- Altus Dental Carryover Info (PDF)
- Website: Altus Dental - Manage your dental benefits
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:
- Short Term Disability Insurance (VIDEO)
- Critical Illness Insurance (VIDEO)
- Life Insurance (VIDEO)
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:
- Call Jesse at (781) 910-1438
- Email Jesse at INFO@MembershipBenefitsGroup.com
Some coverage options may require Evidence of Insurability (EOI) paperwork.
Deferred Compensation Plans
- Nationwide
- Contact Paul Bertrand
- Call: 617-699-0121
- Email paul.bertrand@nationwide.com
- Nationwide 457b Brochure (PDF)
- Equitable Advisors (formerly AXA)
- Contact Jesse Margolius or Sarah Brodeur
- Are You Ready for Retirement? (PDF)
- 457b Retirement Plan Brochure (PDF)
- Call Jesse at 617-447-9418
- Email jesse.margolius@equitable.com
- Call Sarah at 508-596-6004
- Email sarah.brodeur@equitable.com
- Empower Retirement (formerly Great West)
Good Health Gateway
- Diabetes Care Rewards Program for current employees and family members who are enrolled in a City health insurance plan
- Managing Your Diabetes (PDF)
- Take Charge of Your Diabetes (PDF)
- Call: 800-643-8028
- Website: Good Health Gateway website
- Video: City of Beverly Good Health Gateway Diabetes Care Program
Employee Assistance Program
- MIIA (Massachusetts Interlocal Insurance Association)
- Call: 800-451-1834
- MIIA Employee Assistance Flyer (PDF)
- MIIA Total Wellbeing Flyer (PDF)
Beverly Municipal Federal Credit Union
- Call: 978-922-5254
- Website: Beverly Municipal Federal Credit Union website
Flexible Spending Accounts
- Next enrollment period is November 2022 for calendar year 2023
- Cafeteria Advisors, Inc
- Website: Cafeteria Plan Advisors, Inc. website
- Health Care Account
- Dependent Care Account