2021 Annual Enrollment is OPEN

Annual Enrollment Dates: May 1st to 31st

Now is the time to make any necessary changes to your health & dental benefits!

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

    Have you recently been married or welcomed a baby? If you didn't add a new spouse to your health or dental plan within 30 days of the marriage - now is the time. Newborns are almost always added to health plans at birth, but not necessarily to dental plans. Annual enrollment is the only time of year you're allowed to add a dependent to your coverage without a qualifying event.

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

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

  • All changes, enrollments & cancellations will be effective July 1st


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 $157.17
  • Monthly Rate for Family plan $410.61
  • 0% increase for FY22
  • Plan Summary (PDF)
  • Required to live in New England
  • No changes to plan basics

Harvard Choice Net HMO

  • Monthly Rate for Individual plan $160.38
  • Monthly Rate for Family plan $418.99
  • 0% increase for FY22
  • Plan Summary (PDF)
  • Required to live in New England
  • No changes to plan basics


BCBS Master Medical Indemnity

  • Monthly Rate for Individual plan $343.42
  • Monthly Rate for Family plan $855.06
  • 0% increase for FY22
  • 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 $73.50 per person
  • Surviving spouse (widow/widower) Rate: $187.43 per month
  • Next possible rate change will be January 2022
  • Includes prescription coverage
  • Plan Summary (PDF)
  • Required to live in Massachusetts

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

  • Monthly Rate is $108.52  per person
  • Surviving spouse (widow/widower) Rate: $276.72 per month
  • 2.8% increase for FY22
  • Includes prescription coverage
  • Plan Summary (PDF)
  • Required to live in Massachusetts

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

  • Monthly Rate is $145.45 per person
  • Surviving spouse (widow/widower) Rate: $296.72 per month
  • 0% increase for FY22
  • Includes prescription coverage
  • Plan Summary (PDF)
  • Nationwide coverage


RETIREE DENTAL INSURANCE:

Altus Dental - Retiree Plan

  • Monthly Rate for Subscriber Only: $47.24
  • Monthly Rate for Subscriber +1: $94.48
  • 0% increase for FY22
  • 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.

BCBS Online Ekit (119 pages) : Click here

Harvard Online Ekit (54 pages) : Click here


CURRENT EMPLOYEE HEALTH INSURANCE:

BCBS Network Blue New England (HMO)

  • Weekly Rate for Individual plan $36.27
  • Weekly Rate for Family plan $94.76
  • 0% increase for FY22
  • Plan Summary (PDF)
  • Required to live in New England
  • No changes to plan basics

Harvard Choice Net (HMO)

  • Weekly Rate for Individual plan $37.01
  • Weekly Rate for Family plan $96.69
  • 0% increase for FY22
  • Plan Summary (PDF)
  • Required to live in New England
  • No changes to plan basics

BCBS Master Medical (Indemnity)

  • Weekly Rate for Individual plan $79.25
  • Weekly Rate for Family plan $197.32
  • 0% increase for FY22
  • Plan Summary (PDF)
  • Nationwide coverage
  • No changes to plan basics


CURRENT EMPLOYEE DENTAL INSURANCE: (NEW LOWER RATES!)

Altus Dental - High Option

  • NEW Weekly Rate for Individual plan $11.70
  • NEW Weekly Rate for Family plan $28.96
  • Plan Summary (PDF)
  • No changes to plan basics

Altus Dental - Low Option

  • NEW Weekly Rate for Individual plan $8.58
  • NEW Weekly Rate for Family plan $23.99
  • Plan Summary (PDF)
  • No changes to plan basics

Altus Dental Online Account Info  (PDF)                            Altus Dental Carryover Info (PDF)



ADDITIONAL BENEFITS for CURRENT EMPLOYEES:

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

  • NEW Critical Illness Insurance offered by Boston Mutual 
  • Voluntary Term Life Insurance offered by Boston Mutual
  • Whole Life Insurance & Short Term Disability offered by Colonial Life
  • Related Document: Membership Benefits Annual Enrollment Flyer

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

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

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. 

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
  • Empower Retirement / Great West
    • Contact Larry Guelfo
      • Call: 781-581-0233
      • Email Laurence.Guelfo@empower-retirement.com
  • Equitable Advisors / AXA
    • Contact Jesse Margolius
      • Call: 617-447-9418
      • Email jesse.margolius@equitable.com


Good Health Gateway


Employee Assistance Program

  • Mullen Consulting, LLC 
  • MIIA (Massachusetts Interlocal Insurance Association)
    • Call: 800-451-1834


Beverly Municipal Federal Credit Union



Flexible Spending Accounts