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Home My Public Portal AboutGIC BENEFIT DECISION GUIDE GIC BENEFITS DECISION GUIDE FOR COMMONWEALTH OF MASSACHUSETTS MUNICIPAL EMPLOYEES, RETIREES & SURVIVORS j _ 1 1 ENROLLMENT: April I i t IT 2018 - 2019 Benefits and rates effective Commonwealth of Massachusetts July 1, 2018 Q2111m.6.,Group Insurance Commission i Annual Enrollment Checklist Annual Enrollment offers you the opportunity to review your benefit options and enroll in or change your coverage. If you want to keep your current benefits,you do not need to complete any paperwork,as your coverage will continue automatically. Review this guide. Learn about important benefit and rate changes effective July 1,2018 and review your options for health insurance products and benefit programs. v/ Attend a GIC health fair. Health fairs offer the opportunity to speak with GIC staff and carrier representatives about the products and benefits available to you. Find information about health fair events at mass.gov/orgs/group-insurance-commission. Contact the carriers.Carrier specific questions such as network coverage,doctor,drug tiers or wellness benefits should be directed to the appropriate carrier.(See page 21 for more information on how to contact your carrier.) v/ Consider a less expensive option. If you are a non-Medicare retiree,you may have the option to select a lower cost regional or limited network product.These products have the same or better benefits as broad network products,but at a lower cost because they have a smaller network of providers(doctors and hospitals). v/ Active municipal employees can enroll in coverage for the first time at Annual Enrollment or within 60 days of a qualifying event.Qualifying events include marriage,birth/adoption of a child, involuntary loss of other coverage,spouse's Annual Enrollment or return from an approved FMLA or maternity leave. New hires may enroll in coverage during their first 10 days of employment and also during Annual Enrollment. 3 Ways to Lower Your Out-of-Pocket Costs • Use non-emergency care facilities instead of an emergency room for non-urgent care • Consider utilizing your carrier's Telehealth option • If enrolled in a non-Medicare product,before receiving non-emergency services,check your health insurance carrier's cost estimator to find high-quality, low-cost services IMPORTANT Complete Annual Enrollment forms by Wednesday,May 2,2018.Active employees should return forms to the GIC Coordinator in your municipality. Retirees can mail their forms to the GIC. All forms are available on the GIC website at mass.gov/gic-forms. Once you choose health care coverage,you cannot change products until the next Annual Enrollment period. Even if your doctor or hospital leaves the health insurance product, unless you have an eligible qualifying status change,you must remain enrolled in your selected plan until the next Annual Enrollment.You can find a list of qualifying status changes on the GIC's Annual Enrollment website at mass.gov/orgs/group-insurance-commission. v/ Physician and hospital copay tiers change each July 1.If you are enrolled in a non-Medicare product,please check with your insurance carrier to see if your provider or hospital tier has changed. v/ Doctors and hospitals within a carriers network can change during the year,usually because of a health carrier and provider contract issue,practice mergers,retirement or relocation. If your doctor is no longer available,your health insurance carrier will help you find a new one. v/ When checking provider coverage and tiers,be sure to specify the health insurance product's full name,such as"Tufts Health Plan Spirit-or"Tufts Health Plan Navigator," and not just"Tufts Health Plan."The health insurance carrier is your best source for this -• information. �Wrl_*�`Commonwealth of Massachusetts Group Insurance Commission How to Use This Guide Terms to Know: The Benefits Decision Guide is an overview of GIC benefits and Most products require GIC member is not a benefit handbook. Contact the carriers or visit the GIC's cost-sharing involving one or more website for more detailed product handbooks. of the following. Copay:A fixed dollar amount(e.g., Be sure to read: $20)that you pay for a covered health care service,such as a visit to your Welcome to Annual Enrollment!. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 doctor or a specialist. Learn What's New During Annual Enrollment . . . . . . . . . . . . . . . . . . . . . .3 Deductible:A dollar amount you need Medicare Part D Prescription . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 to pay each year before your product Benefits-at-a-Glance: Medicare Health Insurance Products . . . . . . . . . . .5 pays for covered health care services. Benefits-at-a-Glance:Active&Non-Medicare Out-of-Pocket Maximum:The maxi- Health Insurance Products . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 mum amount you will pay each year for certain covered services that apply Medicare Health Insurance Locator Map. . . . . . . . . . . . . . . . . . . . . . . . . .8 toward the maximum,after which your Non-Medicare Health Insurance Locator Ma g product will begin to pay in full for these covered services. Monthly Full Cost Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Health Insurance Product Summaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Coinsurance:Your share of the costs of a covered health care service,typically Medicare Prescription Drug Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 calculated as a percentage of the Active & Non-Medicare Prescription Drug Benefits. . . . . . . . . . . . . . . . . 18 amount allowed for the service provided. GIC Retiree Dental Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Out-of-Network Provider:A medical provider which has not contracted with your insurance company for reimburse- Resources for additional information: ment at a negotiated rate. Some health insurance products, like HMOs, do not Attend a Health Fair . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 reimburse out-of-network providers at ADA Accommodations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 all,which means that you would be responsible for the full amount charged Inscripci6n Anual. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 by your doctor.While an in-network n provider is preferable in terms of lowering your out-of-pocket costs, Thai gian ghi danh hang nam . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 there are some cases where seeing an out-of-network provider may be GIC Website. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 necessary, such as in an emergency or GIC Carrier Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 to receive certain specialized care. 1 Welcome to Annual Enrollment! Dear Colleague: As Executive Director of the Group Insurance Commission, I am privileged to have the opportunity to serve you and advance our goal to help every member access high-value health care benefit options at an affordable cost. GIC members are at the center of this important work, and to that end,we continue to develop channels from which to hear directly from you, our members. We conducted a member survey last fall and have since held public forums to hear from you in person. You shared your concerns about maintaining your health plan benefits, and about the rising costs of health care and prescription drugs,which are growing at rates much faster than wages. You have also told us that while you are generally satisfied with your health plan,you want us to do more to try to control premium and other out-of-pocket costs. With this in mind,this year,the GIC has taken steps to bend the trend when it comes to containing these costs,while conserving benefits and options for members. Overall,this year's aggregate premium rate increase is being kept to zero percent, and a number of member-friendly enhancements have been made to serve you better, including some reduced copays and deductibles. You should consider this year's Benefits Decision Guide, and our website mass.gov/orgs/group= insurance-commission to be your go-to-resources for identifying and selecting the best plan. I also encourage you to attend one of this year's health fairs, at which you can meet with health plan representatives and other providers and GIC staff about your benefits. Thank you for your service to the Commonwealth. Sincerely yours, Roberta Herman, M.D. Executive Director Group Insurance Commission 2 Learn What's During Annual loll This year's Annual Enrollment gives you the opportunity to review your benefit options and Personal or Family enroll in a health insurance product or make changes to your benefits. GIC has made specific Information Changes? benefit changes and is introducing a number of member-friendly enhancements to its health insurance products. You must notify the GIC of family status changes,such What's Changing This Year: as legal separation,divorce, remarriage,and/or addition If you are a MEDICARE eligible GIC Retiree: of dependents. Failure to do so can result in financial • The Fallon Senior Plan will no longer be offered. Please review the Benefits-at-a- liability to you. Glance section for information about this year's product offerings or contact the health insurance carriers with specific questions about their GIC Medicare product(See page 21 Please notify the GIC when any for more information on how to contact your carrier.) of the following changes occur: • CVS SilverScript will be your prescription drug administrator.When you enroll in • Marriage or remarriage medical coverage through the GIC,you will automatically receive prescription drug coverage • Legal separation through CVS SilverScript. CVS SilverScript offers cost management resources and live customer service support so you can best understand and manage your prescription costs. • Divorce With SilverScript,you have a separate ID card for your pharmacy benefit. Don't • Address change forget to bring it with you to the pharmacy when you get your prescriptions filled. If you have questions about this program,visit gic.silverscript.com or call 1.877.876.7214. • Birth or adoption of a child • Legal guardianship of a child If you are an ACTIVE or NON-MEDICARE eligible GIC Retiree: • Remarriage of a former spouse • Increased choice for you and your spouse:GIC members will now be able to select a . Dependent age 19 to 26 who Medicare product offering from a separate health insurance carrier than their spouse's is no longer a full-time student non-Medicare product. • Dependent other than full-time • Health benefit changes for the coming year: In response to your feedback,the GIC has student who has moved out of implemented a number of changes to help reduce your out-of-pocket costs and make using your health plan's service area your benefits easier, including: • Death of a covered spouse or • Reduced copays when seeing a Tier 3 specialist(Tier 3 copays will now be$75,down dependent from$90 last year) • You have GIC COBRA coverage • Members will no longer be charged ambulance copays after their deductible and become eligible for other All members will have access to$15 Telehealth coverage coverage • Utilizing hospice care will no longer require prior authorization • Some regional and limited network products will now have lower deductibles More information is detailed in this Benefits Decision Guide. • Integration of Medical and Behavioral Health Benefits:To better integrate your care, effective July 1,you will receive behavioral health benefits through your health insurance carrier. Please contact your health insurance carrier to learn more about this change. • Express Scripts will be your prescription drug administrator: If you are enrolled in medical coverage through the GIC,you will automatically receive prescription drug coverage through Express Scripts(ESI). Express Scripts offers cost management resources and live customer service support so you can best understand and manage your prescription costs. With Express Scripts,you have a separate ID card for your pharmacy benefit. Don't forget to bring it with you to the pharmacy when you get your prescriptions filled. If you have questions about this new program,visit express-scripts.com/gicrx or call 1.855.283.7679. 3 Medicare Part D Prescription Drug Reminders and Warnings For most GIC Medicare enrollees,the drug coverage you will have through your GIC health plan is a better value than a basic Medicare Part D drug plan.Therefore, most individuals should notenroll in a non-GIC Medicare Part D drug plan. ' • A"Notice of Creditable Coverage" is in your plan handbook. It provides proof that you have comparable or better coverage than Medicare Part D. If you should later enroll in an individual Medicare drug plan because of changed circumstances,you must show the Notice of Creditable Coverage to the Social Security Administration to avoid paying a penalty. Keep this notice with your important papers. • If you are a member of Tufts Medicare Preferred,your plan will include Medicare Part D effective July 1,2018.You will receive a federal government-required opt-out mailing in early May. Do not opt out of the SilverScript Part D program. If you do,you will lose your GIC health,behavioral health,and prescription drug benefits and will not be able to re-enroll until next spring. • All GIC Medicare plans automatically include Medicare Part D coverage. Do not enroll in a non-GIC Medicare Part D product.If you enroll in another Medicare Part D drug product,the Centers for Medicare&Medicaid Services will auto- matically dis-enroll you from your GIC health product,which means you will lose your GIC health,behavioral health,and prescription drug benefits. • If you have extremely limited income and assets,contact the Social Security Administration to find out about subsidized Part D coverage. • If your adjusted gross income,as reported on your federal tax return,exceeds a certain amount,Social Security will impose a monthly additional fee called IRMAA (Income-Related Monthly Adjustment Amount).Visit medicare.gov for more information. Social Security will notify you if this applies to you. 4 MEDICAREe. lth Insurance Products This chart is an overview of the Medicare health insurance product benefits. It is not a complete description. Benefits are subject to certain definitions,conditions, limitations and exclusions as spelled out in the respective health insurance carriers'documents.With the exception of emergency care,there are no out-of-network benefits for the GIC's Medicare HMOs. MEDICARE MEDICARE SUPPLEMENT ADVANTAGE UNICARE1 1 HEALTH TUFTS 1 HEALTH INSURANCE MEDICARE,HEALTH � MEDICARE MEDICARE, PRODUCTS 1 COMPLEMENTEXTENSION(OME) MEDICARE CIC*(Comprehensive) ENHANCE PLUS " 11 IWJAT=&_�ilJDEMNITY INDEMNITYA 11 ' 1 Yes No No No No Yes No No No No Calendar Year Deductible None None None None None Preventive Care Office visits according to No Copay No Copay No Copay No Copay No Copay health plan's schedule Physician's Office Visit $15 per visit $15 per visit $10 per visit $15 per visit $15 per visit (except behavioral health) Retail Clinic $15 per visit $15 per visit $10 per visit $15 per visit $15 per visit Outpatient Behavioral First 4 visits:no copay; Health/Substance Abuse $15 per visit $15 per visit visits 5 and over: $15 per visit $15 per visit Disorder Care $10/visit Inpatient Hospital Care No Copay No Copay No Copay No Copay No Copay Hospice Care No Copay No Copay No Copay No Copay No Copay Diagnostic Laboratory No Copay No Copay No Copay No Copay No Copay Tests and X-Rays No copay in MA and for out-of-state providers Surgery that accept Medicare; Inpatient and Outpatient No Copay No Copay call the plan for details No Copay No Copay if using out-of-state providers that do not accept Medicare Emergency Room Care $50 per visit $50 per visit $50 per visit $50 per visit $50 per visit (includes out-of-area) (waived if admitted) (waived if admitted) (waived if admitted) (waived if admitted) (waived if admitted) Hearing Aids First$500 covered at 100%;80% coverage for the next$1,200 per person,per two-year period DrugsPrescription Retail(up to a 30-day supply) Tier 1/Tier 2/Tier 3 $10/$30/$65 $10/$30/$65 $10/$30/$65 $10/$30/$65 $10/$30/$65 Mail Order Maintenance Drugs(up to a 90-day supply) Tier 1 /Tier 2/Tier 3 $25/$75/$165 $25/$75/$165 $25/$75/$165 $25/$75/$165 $25/$75/$165 *Without CIC,deductibles are higher and coverage is only 80%for some services.Contact the carrier for details. You may change plans only during the GIC's For more information O about spring Annual Enrollment period, product's calendarproviders may change on a basis. 5 NON-MEDICAREProducts NATIONAL NETWORK I BROAD NETWORK HEALTH INSURANCE INDEMNITY PLAN/ INDEMNITY HEALTH PLAN FALLON HEALTH PILGRIM PRODUCTS BASIC with CIC NAVIGATORSELECT CARE (Comprehensive) PLAN 11 1 '1 POS HMO '1 No No Yes Yes Yes No No Yes Yes Yes Out-of-pocket Maximum Individual coverage $5,000 $5,000 $5,000 $5,000 $5,000 Family coverage $10,000 $10,000 $10,000 $10,000 $10,000 Fiscal Year Deductible Individual/Family $500/$1,000 $500/$1,000 $500/$1,000 $500/$1,000 $500/$1,000 Primary Care Provider $15/visit for Tier 1:$10/visit Tier 1:$10/visit Office Visit $20/visit Centered Care PCPs; Tier 2:$20/visit $20/visit Tier 2:$20/visit $20/visit for other PCPs Tier 3:$40/visit Tier 3:$40/visit Preventive Services Most covered at Most covered at Most covered at Most covered at Most covered at 100%—no copay 100%—no copay 100%—no copay 100%—no copay 100%—no copay Specialist Physician Office Visit Tier 1 /Tier 2/Tier 3 $30/$60/$75/visit $30/$60/$75/visit $30/$60/$75/visit $30/$60/$75/visit $30/$60/$75/visit Retail Clinic and $20/visit $20/visit $20/visit $20/visit $20/visit Urgent Care Center Outpatient Behavioral Health/Substance Use $20/visit $20/visit $10/visit $20/visit $10/visit Disorder Care Emergency Room Care $100/visit $100/visit $100/visit $100/visit $100/visit (waived if admitted) (waived if admitted) (waived if admitted) (waived if admitted) (waived if admitted) Inpatient Hospital Care— Maximum one copay per person per calendar year quarter. Medical Waived if readmitted within 30 days in the same calendar year. Tier 1 $275/admission $275/admission $275/admission $275/admission $275/admission Tier 2 with no tiering $500/admission $500/admission $500/admission $500/admission Tier 3 $1,500/admission $1,500/admission $1,500/admission $1,500/admission Outpatient Surgery Maximum one coDavDe calendar auarterdetails. Tier 1 /Tier 2/Tier 3 $250/occurrence $110/$110/$250/ $250/occurrence $250/occurrence $250/occurrence occurrence High-Tech Imaging Maximum one copay per day. (e.g.,MRI,CT and PET scans) $100/scan $100/scan $100/scan 1 $100/scan $100/scan Prescription Drugs Prescription Drug Deductible: i i Family Retail (up to a 30-day supply) Tier 1 /Tier 2/Tier 3 $10/$30/$65 $10/$30/$65 $10/$30/$65 $10/$30/$65 $10/$30/$65 Mail Order Maintenance Drugs (up to a 90-day supply) Tier 1 /Tier 2/Tier 3 $25/$75/$165 $25/$75/$165 $25/$75/$165 $25/$75/$165 $25/$75/$165 Copays and deductibles that appear in bold in this chart have changed effective July 1,2018. 6 NON-MEDICAREProducts REGIONAL NETWORK LIMITED NETWORK HEALTH NEW (Neighborhood INDEMNITY PLAN/ TUFTS HEALTH FALLON HEALTH PILGRIM COMMUNITYENGLAND Health Plan) 1 CHOICE 1 "1 '1 1 1 HMO Yes Yes No No Yes Yes No Yes No No Yes Yes $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $10,000 $10,000 $10,000 $10,000 $10,000 $10,000 $400/$800 $500/$1,000 $400/$800 $400/$800 $400/$800 $400/$800 $15/visit for $20/visit $20/visit Centered Care PCPs; $20/visit $15/visit $20/visit $20/visit for other PCPs Most covered at Most covered at Most covered at Most covered at Most covered at Most covered at 100%—no copay 100%—no copay 100%—no copay 100%—no copay 100%—no copay 100%—no copay Tier 1 $30/Tier 2 $30/$60/$75/visit $30/$60/$75/visit $30/$60/$75/visit $30/$60/$75/visit $30/$60/$75/visit $60/visit(No Tier 3) $20/visit $20/visit $20/visit $20/visit $15/visit $20/visit $20/visit $20/visit $20/visit $20/visit $15/visit $20/visit $100/visit $100/visit $100/visit $100/visit $100/visit $100/visit (waived if admitted) (waived if admitted) (waived if admitted) (waived if admitted) (waived if admitted) (waived if admitted) copayMaximum one per person per d. •. if readmitted within 30 .. calendar year. $275/admission $275/admission $275/admission $275/admission $275/admission $275/admission with no tiering with no tiering with no tiering $500/admission with no tiering $500/admission No Tier 3 No Tier 3 Maximum one copay per calendar quarter or four per year,depending on product.Contact the carrier for details. $250/occurrence $250/occurrence $110/occurrence $250/occurrence $250/occurrence $250/occurrence Maximum one copay per day. Contact the carrier for details. $100/scan $100/scan 1 $100/scan 1 $100/scan 1 $100/scan $100/scan Prescription Drug Deductible: II 11 Family $10/$30/$65 $10/$30/$65 $10/$30/$65 $10/$30/$65 $10/$30/$65 $10/$30/$65 $25/$75/$165 $25/$75/$165 $25/$75/$165 $25/$75/$165 $25/$75/$165 $25/$75/$165 7 i Where You Live Determines Which Health Insurance Product You May Enroll In. , MAINE , VERMONT NEW HAMPSHIRE ESSEX - - NEW FRANKLIN YORK MIDDLESEX WORCESTER SUFFOLK •� HAMPSHIRE BERKSHIRE NORFOLK HAMPDEN •� � •� Lj RHODE BRISTOL PLYMOUTH CONNECTICUT ISLAND 1 BARNSTABLE o ao DUKES NANTUCKET Is the MEDICARE Health Insurance Product Available Where You Live? BARNSTABLE HAMPSHIRE HPME, HNEMSP,TMC,TMP,OME HPME, HNEMSP,TMC,TMP,OME Outside Massachusetts: BERKSHIRE MIDDLESEX CONNECTICUT HPME,HNEMSP,TMC,OME HPME, HNEMSP,TMC,TMP,OME HPME,HNEMSP,TMC,OME BRISTOL NANTUCKET MAINE HPME, HNEMSP,TMC,TMP, OME HPME, HNEMSP,TMC, OME HPME, HNEMSP,TMC,OME DUKES NORFOLK NEW HAMPSHIRE HPME, HNEMSP,TMC,OME HPME, HNEMSP,TMC,TMP,OME HPME,HNEMSP,TMC,OME ESSEX PLYMOUTH NEW YORK HPME, HNEMSP,TMC,TMP,OME HPME, HNEMSP,TMC,TMP,OME HPME,HNEMSP,TMC,OME FRANKLIN SUFFOLK RHODE ISLAND HPME, HNEMSP,TMC,OME HPME, HNEMSP,TMC,TMP,OME HPME,HNEMSP,TMC,OME HAMPDEN WORCESTER VERMONT HPME, HNEMSP,TMC,TMP, OME HPME, HNEMSP,TMC,TMP,OME HPME, HNEMSP,TMC,OME 8 Where You Live Determines Which Health Insurance Product You May Enroll In. MAINE VERMONT NEW HAMPSHIRE ' ESSEX NEW FRANKLIN YORK MIDDLESEX WORCESTER SUFFOLK HAMPSHIRE BERKSHIRE NORFOLK HAMPDEN ' ' RHODE BRISTOL PLYMOUTH CONNECTICUT ISLAND ' BARNSTABLE DUKES NANTUCKET Is the NON-MEDICARE Health Insurance Product Available Where You Live? BARNSTABLE HAMPSHIRE Independence,NHP,Navigator,Spirit,Basic, Direct*,Select,Independence,Primary Choice, Outside Massachusetts: Community Choice,PLUS HNE,Navigator,Spirit*,Basic,PLUS,Community BERKSHIRE Choice CONNECTICUT Select,Independence,Primary Choice,HNE, MIDDLESEX Independence,HNE*,Navigator*, Navigator,Spirit*,Basic,Community Choice, Direct,Select,Independence,Primary Choice,NHP, Basic,PLUS* PLUS Navigator,Spirit,Basic,Community Choice,PLUS MAINE BRISTOL NANTUCKET Independence,Basic,PLUS Direct,Select,Independence,Primary Choice,NHP, Independence,NHP,Navigator,Basic,PLUS NEW HAMPSHIRE Navigator,Spirit,Basic,Community Choice,PLUS NORFOLK Select*,Independence,Navigator*, DUKES Direct,Select,Independence,Primary Choice,NHP, Basic,PLUS Independence, NHP,Navigator,Basic,PLUS Navigator,Spirit,Basic,Community Choice,PLUS NEW YORK ESSEX PLYMOUTH Independence*,Navigator*,Basic Direct,Select,Independence,Primary Choice,NHP, Direct,Select,Independence,Primary Choice,NHP, Navigator,Spirit,Basic,Community Choice,PLUS Navigator,Spirit,Basic,Community Choice,PLUS RHODE ISLAND Independence,Navigator,Basic,PLUS FRANKLIN SUFFOLK Select,Independence,Primary Choice,HNE,Nav- Direct,Select,Independence,Primary Choice,NHP, VERMONT igator,Spirit,Basic,Community Choice,PLUS Navigator,Spirit,Basic,Community Choice,PLUS Independence*,Navigator*,Basic, PLUS HAMPDEN WORCESTER Direct*,Select,Independence,Primary Choice, Direct,Select,Independence,Primary Choice, HNE,NHP,Navigator,Spirit,Basic,Community HNE,NHP,Navigator,Spirit,Basic,Community Choice,PLUS Choice,PLUS *Not every city and town is covered in this county or state;contact the health insurance carrier to find out if you live in the service area.The product also has a limited network of providers in this county or state;contactthe health insurance carrier to find out which doctors and hospitals participate. 9 Monthly FullCost Rates Effective July 1, 2018 Full Cost Rates including the 0.35%Administrative Fee HEALTH INSURANCE PRODUCTS INDIVIDUAL FAMILY TYPE COVERAGE COVERAGE UniCare State Indemnity Plan/Basic with CIC National Indemnity Network $1,058.39 $2,343.45 UniCare State Indemnity Plan/Basic without CIC $1,009.67 $2,232.53 UniCare State Indemnity Plan/PLUS PPO-Type $696.09 $1,654.54 Tufts Health Plan Navigator _ Broad POS $743.45 $1,811.87 Fallon Health Select Care Network HMO $765.62 $1,855.55 Harvard Pilgrim Independence Plan POS $826.68 $2,009.40 Health New England Regional HMO Network $550.97 $1,306.54 NHP Prime(Neighborhood Health Plan) $580.43 $1,496.10 UniCare State Indemnity Plan/Community Choice PPO-Type $502.16 $1,236.52 Tufts Health Plan Spirit Narrow HMO-Type $564.24 $1,355.43 Fallon Health Direct Care Network HMO $566.29 $1,422.99 Harvard Pilgrim Primary Choice Plan HMO $603.23 $1,529.10 HEALTH INSURANCE PRODUCTS PER PERSON Tufts Health Plan Medicare Preferred* Medicare HMO $332.01 Advantage Tufts Health Plan Medicare Complement $361.73 UniCare State Indemnity Plan/Medicare Extension $379.67 (OME) with CIC(Comprehensive) UniCare State Indemnity Plan/Medicare Extension Medicare Indemnity (OME) without CIC(Non-Comprehensive) Supplement $368.59 Harvard Pilgrim Medicare Enhance $382.59 Health New England Medicare Supplement Plus $386.82 *Benefits and rates of Tufts Health Plan Medicare Preferred are subjectto federal approval and may change January 1,2019. For the rate you will p.y as a municip. separate municipalityrate chart from your go 10 Health Insurance Product Summaries �110]1 Medicare-Eligible GIC Retirees UniCare State Indemnity - Medicare Exten- sion (OME) Indemnity (Medicare Supplement) The GIC has made a few changes to our products for Medicare-eligible retirees this year. Please note that About the Product: the Fallon Senior Plan will not be offered on July 1,2018. . A supplemental Medicare product Members of this plan who do not take action will be defaulted into Tufts Medicare Complement. • Offers access to any licensed doctor or hospital throughout the Here is everything you need to know: United States • The prescription drug portion is an Employer Group Waiver Tufts Health Plan - Medicare Preferred Plan(EGWP)under contract with the federal government that HMO (Medicare Advantage) includes Medicare Part D prescription drug benefits and extra coverage from the GIC About the Product: • Prescription drug benefits are administered by CVS SilverScript • Provides coverage through the plan's network of doctors, What's changing for this plan year: hospital and other providers • Members must select a Primary Care Provider(PCP)to • Behavioral health is now integrated into product design coordinate their care and obtain referrals to specialists Harvard Pilgrim Medicare Enhance Indemnity • No out-of-network benefits are provided,with the exception of (Medicare Supplement) emergency care • The prescription drug portion is an Employer Group Waiver About the Product: Plan(EGWP), under contract with the federal government that includes Medicare Part D prescription drug benefits and extra • A supplemental Medicare plan coverage from the GIC • Offers coverage for services provided by any licensed doctor or hos- • Prescription drug benefits are administered by CVS SilverScript pital throughout the United States that accepts Medicare payment • The prescription drug portion is an Employer Group Waiver What's changing for this plan year: Plan(EGWP)under contract with the federal government that • Product includes Medicare Part D effective July 1,2018.You will includes Medicare Part D prescription drug benefits and extra receive a federal government required opt-out mailing in early coverage from the GIC May. Do not opt out of the SilverScript Part D program. • Prescription drug benefits are administered by CVS SilverScript • Separate vendor for prescription drug coverage: CVS SilverScript What's changing for this plan year: • You will also have a separate ID card for your pharmacy benefit • No plan changes for 2018 Tufts Health Plan Medicare Complement Indemnity (Medicare Supplement) Health New England Medicare Supplement Plus (Medicare Supplement) About the Product: About the Product: • A supplemental Medicare plan • Offers coverage for services provided by any licensed doctor or hos • A supplemental Medicare plan pital throughout the United States that accepts Medicare payment • Offers coverage for services provided by any licensed doctor or hos- • The prescription drug portion is an Employer Group Waiver pital that accepts Medicare payment Plan(EGWP)under contract with the federal government that • The prescription drug portion is an Employer Group Waiver includes Medicare Part D prescription drug benefits and extra Plan(EGWP)under contract with the federal government that coverage from the GIC includes Medicare Part D prescription drug benefits and extra • Prescription drug benefits are administered by CVS SilverScript coverage from the GIC • Prescription drug benefits are administered by CVS SilverScript What's changing for this plan year: What's changing for this plan year: • Nationwide product is new for this year 9 Nationwide product is new for this year �� Health Insurance Product Summaries Active & Non-Medicare Broad Network Products Eligible GIC Retirees (UniCare PLUS, Tufts Navigator, Fallon Select, Harvard Pilgrim Health National Product Care Independence) (UniCare Basic) UniCare State Indemnity Plan/PLUS UniCare State Indemnity Plan/Basic PPO-Type Indemnity About the Product: About the Product: • Provides access to all Massachusetts physicians and hospitals; also provides access to the carrier's network of physicians and • Provides access to any licensed doctor or hospital throughout providers throughout New England and border states,with in- the United States and outside of the country* and out-of-network benefits • In Massachusetts,provides 100%coverage of allowed charges • Out-of-state non-UniCare providers have 80%coverage of after copayment and deductible allowed charges* • Members are encouraged to select a Primary Care Provider • Members are encouraged to select a Primary Care Provider (PCP)to manage their care and pay a lower copay if they see a (PCP)to manage their care and pay a lower copay if they see a Centered Care PCP Centered Care PCP What's changing for this plan year: • Members will pay lower copays for Tier 1 and Tier 2 PCPs and • Reduced copay from$90 to$75 for third-tier specialists specialists and Tier 1 and Tier Z hospitals • New combined medical and pharmacy out-of-pocket maximum What's changing for this plan year: ($5,000110,000) • Reduced copay from$90 to$75 for third-tier specialists • New vendor for prescription drug coverage: Express Scripts • New combined medical and pharmacy out-of-pocket maximum • Emergency ambulance(no charge after deductible) ($5,000/$10,000) • New vendor for prescription drug coverage: Express Scripts • Emergency ambulance(no charge after deductible) • Expansion of in-network coverage area in New England and border states *To avoid additional non-Massachusetts provider charges,contact UniCare to find doctors and hospitals in your area that participate in UniCare's national Anthem and Private Healthcare Systems(PHCS)network.Please visit UniCare's website for in-and out-of-network providers and hospitals in New England and border states. 12 Health Insurance Product Summaries Tufts Health Plan Navigator POS What's changing for this plan year: • Separate medical and prescription drug deductible: $500 About the Product: (individual)/$1,000(family)for medical and$100(individual)/ • Provides coverage for treatment by a network of doctors, $200(family)for prescription drugs hospitals and other health care providers • Reduced copay from$90 to$75 for third-tier specialists • Members must select a Primary Care Provider(PCP)to manage . For members 21 and under,new$2,000 per hearing aid per their care and obtain referrals to specialists to receive care at impaired ear every 24 months the in-network level of coverage • • The product allows treatment by out-of-network providers or New vendor for prescription drug coverage: Express Scripts in-network care without a Primary Care Provider(PCP)referral, • New$15 copay for Telehealth visits but with higher out-of-pocket costs • Members will pay lower copays for Tier 1 or Tier 2 PCPs and specialists and Tier 1 or Tier 2 hospitals Harvard Pilgrim Health Care What's changing for this plan year: Independence POS • Reduced copay from$90 to$75 for third-tier specialists About the Product: • For members 21 and under,new$2,000 per hearing aid per • A POS product that provides coverage for treatment by a impaired ear every 24 months network of doctors,hospitals and other health care providers • Emergency ambulance(no charge after deductible) • Members must select a Primary Care Provider(PCP)to manage their care and obtain referrals to specialists to receive care at • New vendor for prescription drug coverage: Express Scripts the in-network level of coverage • The product allows treatment by out-of-network providers or in-network care without a Primary Care Provider(PCP)referral, Fallon Health Select Care HMO but with higher out-of-pocket costs About the Product: • Members will pay lower copays for Tier 1 or Tier 2 PCPs and specialists and Tier 1 or Tier 2 hospitals • Provides coverage through the carrier's network of doctors, hospital and other providers What's changing for this plan year: • Members must select a Primary Care Provider(PCP)to • Reduced copay from$90 to$75 for third-tier specialists coordinate their care and obtain referrals to specialists . For members 21 and under,new$2,000 per hearing aid per • No out-of-network benefits are provided,with the exception impaired ear every 24 months of emergency care • Emergency ambulance(no charge after deductible) • Members will pay lower office visit copays when they see Tier 1 or Tier 2 specialists and use Tier 1 or Tier 2 hospitals • New vendor for prescription drug coverage: Express Scripts 13 Health Insurance Product Summaries Regional Network Products What's changing for this plan year: (Health New England HMO and • Reduced copay from$90 to$75 for third-tier specialists NHP Prime) • For members 21 and under, new$2,000 per hearing aid per impaired ear every 24 months Health New England HMO • New vendor for prescription drug coverage: Express Scripts • New$15 copay for Telehealth visits About the Product: • Provides coverage through the carrier's network of doctors, hospital and other providers • Members must select a Primary Care Provider(PCP)to coordinate their care; referrals to network specialists are not required • No out-of-network benefits are provided,with the exception of Terms to Know' emergency care • Members will pay lower office visit copays when they see Tier 1 HMO(Health Maintenance Organization):A or Tier 2 specialists health insurance product providing coverage for treatment by a network of doctors, hospitals and other What's changing for this plan year: health care providers within a certain geographic area. HMOs do not offer out-of-network benefits,with the • Lower medical deductible: $400(individual)/$800(family) exception of emergency care. Selection of a Primary • Reduced copay from$90 to$75 for third-tier specialists Care Provider is required. • Emergency ambulance(no charge after deductible) PPO(Preferred Provider Organization):A health insurance product providing coverage by network • For members 21 and under, new$2,000 per hearing aid per doctors, hospitals,and other health care providers. It impaired ear every 24 months allows treatment by out-of-network providers, but at • New vendor for prescription drug coverage: Express Scripts a lower level of coverage.A PPO plan encourages the • New$15 copay for Telehealth visits selection of a Primary Care Provider. POS(Point of Service):A health insurance product providing coverage for treatment by a network of NHP Prime (Neighborhood Health Plan) HMO doctors, hospitals and other health care providers. Selection of a Primary Care Provider is required.To get About the Product: the lowest out-of-pocket cost,a member must get a • Provides coverage through the carrier's network of doctors, referral to a specialist. hospital and other providers Indemnity Plan: Comprehensive coverage anywhere • Members must select a Primary Care Provider(PCP)to in the world for many health services including coordinate their care and obtain referrals to specialists hospital stays,surgery, emergency care, preventive care,outpatient services and other medically • No out-of-network benefits are provided,with the exception of necessary treatment.You can get services from emergency care any provider, anywhere in the world. Keep in mind, • Members will pay lower office visit copays when they see Tier 1 however,that benefits differ depending on the service or Tier 2 specialists and the provider,and that not all services are covered. 14 Health Insurance Product Summaries Limited Network Products Tufts Health Plan Spirit EPO HMO-Type UniCare State Indemnity Plan/ About the Product: Community Choice • Provides coverage through the carrier's network of doctors, hospitals and other providers About the Product: • Members are encouraged to select a Primary Care Provider(PCP) • Product with a hospital network of community hospitals and . No out-of-network benefits are provided,with the exception of some tertiary hospitals in Massachusetts, provides 100% emergency care coverage of allowed charges after copayment and deductible • Members will pay lower office visit copays when they see Tier 1 • Members have the option to seek care from an out-of-network or Tier Z specialists and Tier 1 or Tier Z Hospitals hospital for 80%coverage of the allowed amount for inpatient care and outpatient surgery,after paying a copay What's changing for this plan year: • The product offers access to all Massachusetts physicians and . Lower medical deductible:from$500(individual)/$1,000(family) members are encouraged to select a Primary Care Provider(PCP) to$400(individual)/$800(family) • Members will pay lower office visit copays when they see Tier 1 . Reduced copay from$90 to$75 for third-tier specialists or Tier 2 specialists • Reduced inpatient hospital copay to$275 for Tier 1 and$500 What's changing for this plan year: for Tier 2 • Lower medical deductible from $500(individual)/$1,000(family) • For members 21 and under, new$2,000 per hearing aid per to$400(individual)/$800(family) impaired ear every 24 months • Reduced copay from$90 to$75 for third-tier specialists • New vendor for prescription drug coverage: Express Scripts • New combined medical and pharmacy out-of-pocket maximum ($5,000110,000) • Lowered copay for Patient Centered PCPs from$20 to$15 • For members 21 and under, new$2,000 per hearing aid per impaired ear every 24 months • New vendor for prescription drug coverage: Express Scripts 15 Health Insurance Product Summaries Fallon Health Direct Care HMO Harvard Pilgrim Primary Choice Plan HMO About the Product: About the Product: • The product offers a limited network based in a geographically • Provides coverage through the carrier's network of doctors, concentrated area hospital and other providers • Provides coverage through the carrier's network of doctors, • Members must select a Primary Care Provider(PCP)to hospital and other providers coordinate their care and obtain referrals to specialists • Members must select a Primary Care Provider(PCP)to • No out-of-network benefits are provided,with the exception of coordinate their care and obtain referrals to specialists emergency care • No out-of-network benefits are provided,with the exception of • Members will pay lower office visit copays when they see Tier 1 emergency care specialists and Tier 1 hospitals • Members will pay lower office visit copays when they see Tier 1 What's changing for this plan year: or Tier 2 specialists • Lower medical deductible:from$500(individual)/$1,000(family) What's changing for this plan year: to$400(individual)/$800(family) • Separate medical and prescription drug deductible: $400 • For members 21 and under,new$2,000 per hearing aid per (individual)/$800(family)for medical and$100(individual)/ impaired ear every 24 months $200(family)for prescription drugs. • New vendor for prescription drug coverage: Express Scripts • Reduced copay from$90 to$75 for third-tier specialists . New$15 copay for Telehealth visits • New vendor for prescription drug coverage: Express Scripts 16 0 MEDICARE Prescription Drug Benefits The GIC has contracted with CVS SilverScript to manage the Prescription Drug Programs prescription drug benefit for all GIC Medicare medical products. All GIC products have the following programs to encourage the Your prescription drug benefit is an Employer Group Waiver Plan use of safe,effective and less costly prescription drugs. Contact (EGWP).The product combines a standard Medicare Part D pre- SilverScript for details about these programs and whether they scription drug plan with additional coverage provided by the GIC. apply to drugs you are taking. Drug Copayments Step Therapy All GIC medical products provide benefits for prescription drugs This program requires enrollees to try effective, less costly drugs using a three-tier copayment structure in which your copayments before more expensive alternatives will be covered. vary,depending on the drug dispensed. Contact SilverScript with questions about your specific medications. Specialty Drug Pharmacies Tier 1:You pay the lowest copayment.This tier is primarily made If you are prescribed injected or infused specialty drugs,you up of generic drugs,although some brand name drugs may be may need to use a specialty pharmacy which can provide you with included. Generic drugs have the same active ingredients in the 24-hour clinical support,education and side effect management. same strength as their brand name counterparts. Brand name drugs are almost always significantly more expensive than generics. Prior Authorization Tier 2:You pay the mid-level copayment.This tier is primarily You or your health care provider may be required to contact made up of brand name drugs,selected based on reviews of the SilverScript for prior authorization before getting certain relatively safety,effectiveness and cost of the many brand name prescriptions filled.This restriction could be in place for safety drugs on the market. Some generics may also be included. reasons or because SilverScript needs to understand the reasons Tier 3:You pay the highest copayment.This tier is primarily the drug is being prescribed instead of a less expensive,first-line made up of the brand name drugs not included in Tiers 1 or formulary option. 2. Generic or brand name alternatives for Tier 3 drugs may be Quantity Limits available in Tiers 1 or 2. To promote member safety and appropriate and cost-effective use of medications,there may be limits on the quantity of certain prescription drugs that you may receive at one time. ------------------------------- 1 r v--- / ------------------- —�, -� 17 ACTIVE & NON-MEDICARE Prescription • Benefits In an effort to help GIC members save on pharmaceutical costs, Prescription Drug Programs the GIC has contracted with Express Scripts(ESI)to manage All GIC products have the following programs to encourage the the prescription drug benefit for all GIC non-Medicare medical use of safe,effective and less costly prescription drugs. Contact products beginning July 1,2018.You will receive a separate ESI for details about these programs and whether they apply to ID card that you will be required to use when filling your drugs you are taking. prescriptions.You will be able to access a broad network of retail pharmacies to fill a 30-day supply and can fill a 90-day supply Mandatory Generics through mail order or at a CVS Pharmacy. When filling a prescription for a brand name drug for which Prescription Drug Deductible there is a generic equivalent,you will be responsible for the cost difference between the brand name drug and the generic,plus All GIC non-Medicare medical products have a fiscal year Rx the generic copay. deductible of$100 individual/$200 family.The prescription drug deductible is separate from your health product deductible. Once Step Therapy you've paid your prescription deductible,your covered drugs will be subject to copayment. This program requires enrollees to try effective, less costly drugs before more expensive alternatives will be covered. Drug Copayments Maintenance Drug Pharmacy Selection All GIC health products provide benefits for prescription drugs using athree-tier copayment structure in which your copayments If you receive 30-day supplies of your maintenance drugs at a vary,depending on the drug dispensed. Contact ESI with questions retail pharmacy,you must call ESI to tell them whether you wish about your specific medications. to continue to use a retail pharmacy fora 30-day supply or change to 90-day supplies through either mail order or CVS pharmacies. Tier 1:You pay the lowest copayment.This tier is primarily made up of generic drugs,although some brand name drugs may be included. Specialty Drug Pharmacies Generic drugs have the same active ingredients in the same If you are prescribed injected or infused specialty drugs,you may strength as their brand name counterparts. Brand name drugs are need to use a specialty pharmacy which can provide you with almost always significantly more expensive than generics. 24-hour clinical support,education and side effect management. Tier 2:You pay the mid-level copayment.This tier is primarily Medications are delivered to your home or doctor's office. made up of brand name drugs,selected based on reviews of the relatively safety,effectiveness and cost of the many brand name Prior Authorization drugs on the market. Some generics may also be included. You or your health care provider may be required to contact ESI Tier 3:You pay the highest copayment.This tier is primarily made for prior authorization before getting certain prescriptions filled. up of the brand name drugs not included in Tiers 1 or 2. Generic This restriction could be in place for safety reasons or because or brand name alternatives for Tier 3 drugs may be available in ESI needs to understand the reasons the drug is being prescribed Tiers 1 or 2. instead of a less expensive,first-line formulary option. Quantity Limits To promote member safety and appropriate and cost-effective use of medications,there may be limits on the quantity of certain r prescription drugs that you may receive at one time. 18 GIC Retiree Dental Plan Call Metropolitan Life Insurance Company(MetLife) is the carrier for Enrollment the GIC Retiree Dental Plan.The plan offers a fixed reimbursement Eligible retirees and survivors may join during annual enrollment, of up to$1,250 per member per year for dental services: or within 60 days of a qualifying status change, such as when • Dental examinations • Crowns COBRA dental coverage ends,when you become a survivor of a GIC member, or at retirement. However,if you have ever • Dental cleanings • Dentures dropped coverage,you can never re-enroll in the plan. • Fillings • Dental implants As a member of this plan,you may go to the dentist of your MONTHLY GIC PLAN RATES EFFECTIVE JULY 1,2018 choice. However,you will save money by visiting one of the over Includes 0.35%Administrative Fee 370,000 nationwide network of participating dentists.When you $1,250 Maximum Annual Benefit per Member visit a MetLife provider,your out-of-pocket expenses will be lower, as you usually pay the lower negotiated fee, even after you have RETIREE PAYS MONTHLY exceeded your annual maximum. Single $30.01 This is an entirely voluntary(retiree-pay-all)plan that provides Family $72.30 GIC members with coverage at discounted group insurance rates through convenient pension deductions. Eligibility Retirees and survivors from the following municipalities that have Retiree Dental Questions? Contact MetLife: elected to offer the plan are eligible: 1.866.292.9990 • City of Melrose • Town of North Andover ® • Town of Ashland • Town of Randolph ® metlife.com/gic • Town of Bedford • Town of Swampscott • Town of Brookline • Town of Weston • Town of Holbrook • Town of Westwood • Town of Hopedale • Town of Winchendon • Town of Marblehead • Athol Roylston School District • Town of Middleborough • Northeast Metropolitan • Town of Millis Regional Vocational School District If your municipality is not listed,you are not eligible for GIC Retiree Dental benefits. Contact your municipal benefits office for additional information. 19 •0� Need • Help? Attend a Health Fair Our Website Provides Retirees and survivors who are thinking about changing health products,or looking at Additional Helpful other benefit options,can attend one of the GIC's health fairs to: Information: • Speak with health and other benefit product representatives; mass.gov/orgs/group- • Pick up detailed materials; insurance-commission • Ask GIC staff about your benefit options; • Change your health plan or apply for other GIC retiree/survivor benefits; and • Take advantage of complimentary health screenings. A Please visitmass.gov/gic-news-and-announcements for the health fair schedule. ADA Accommodations If you require disability-related accommodations,contact the GIC's ADA Coordinator at least two weeks prior to the fair you wish to attend: ® 1.617.727.2310 ® GIC.ADA.Requests@massmail.state.ma.us 1 � INSCRIPa6N ANUAL See our website for: La inscripcibn anual es del ' de abril al 2 de mayo,y los cambios entrar6n • Benefits Decision Guides in electronic en efecto el 1 de julio de 2018. • • format • Helpful FAQs about this year's benefits par, • Summaries of all GIC health products—conveniently search for participating doctors and hospitals online 1 _ _ _ __ • Forms to expedite your Annual _ = -- - = = _=M Enrollment decisions 1 . • The latest Annual Enrollment news and announcements from the GIC • Benefits-at-a-glance charts to Th&i gian ghi danh hbng nam compare different benefit products Th6ri gian ghi danh hAng nann IA tCr ng,yde'de'n ngAyside by side; and th&• • thay •• • •' • • Carrier handbooks for each • - . . .- health insurance product dLrcrc . gi6p. 20 • • Information, Contact the Plans 0 11 For more information about specific products or benefits,contact your carrier. Be sure to indicate you are GIC insured. HEALTH INSURANCE Fallon Health Direct Care 1.866.344.4442 fallonhealth.org/gic Select Care Harvard Pilgrim Health Care Independence Plan 1.800.542.1499 harvardpilgrim.org/gic Primary Choice Plan Medicare Enhance Health New England HMO 1.800.842.4464 hne.com/gic Medicare Supplement Plus Neighborhood Health Plan 1.866.567.9175 nhp.org/gic NHP Prime Tufts Health Plan Navigator 1.800.870.9488(Non-Medicare) tuftshealthplan.com/gic Spirit Medicare Complement 1.888.333.0880(Medicare) Medicare Preferred UniCare State Indemnity Plan Basic 1.800.442.9300 unicarestateplan.com Community Choice Medicare Extension (OME) PLUS Pharmacy Benefits Manager CVS SilverScript 1.877.876.7214 gic.silverscript.com Express Scripts 1.855.283.7679 express-scripts.com/gicrx OTHER BENEFITS GIC Retiree Dental Plan WetLife) 1.866.292.9990 metlife.com/gic ADDITIONAL RESOURCES Internal Revenue Service (IRS) 1.800.829.1040 irs.gov Massachusetts Teachers'Retirement System 1.617.679.6877(Eastern MA) mass.gov/news/mtrs-news 1.413.784.1711 (Western MA) Medicare 1.800.633.4227 medicare.gov Social Security Administration 1.800.772.1213 ssa.gov State Board of Retirement 1.617.367.7770 mass.gov/orgs/massachusetts- state-retirement-board-msrb Other Questions? ® 1.617.727.2310, TDD/TTY 711 ® mass.gov/orgs/group-insurance-commission 21 m PRSRT. STD. Commonwealth of Massachusetts U.S. POSTAGE 11 �. Group Insurance Commission PAID P.O. Box 8747 HARTFORD, CT Boston, MA 02114 PERMIT NO. 2850 COMMONWEALTH OF Commissioners Charles D. Baker, Governor Karyn Polito, Lieutenant Governor *Current as of March,2018. For more information,visit mass.gov/orgs/group-insurance-commission. Group Insurance Commission Roberta Herman, M.D., Executive Director Valerie Sullivan (Public Member), Chair 19 Staniford Street,4th Floor Gary Anderson, Commissioner of Insurance Boston, Massachusetts Michael Heffernan,Secretary of Administration and Finance(orhis designee) Theron R. Bradley (Public Member) ® Telephone: 617.727.2310 Edward T. Choate (Public Member) TDD/TTY:711 Tamara P. Davis (Public Member) Kevin Drake (Council 93,AFSCME,AFL-CIO) 0 Mailing Address Jane Edmonds (Public Member) Group Insurance Commission Joseph Gentile (AFL-CIO, Public Safety Member) P.O. Box 8747 Boston, MA 02114 Christine Hayes Clinard, Esq. (Public Member) Bobbi Kaplan (NAGE) Melvin A.Kleckner (Massachusetts Municipal Association) Eileen P. McAnneny (Public Member) Timothy D. Sullivan, Ed.D. (Massachusetts Teachers Association) Margaret Thompson (Local5000, SEW, NAGE) Vacant (Health Economist)