Health Insurance

The City offers a wide selection of health plans for you and your family to choose from through the State of Massachusetts Group Insurance Commission (GIC). Please view the FY20 Benefits Guide and City of Springfield Rate Sheets prior to choosing your plan.

The City contributes 75% of the cost of the Health Plan for both individual and family coverage.  New employee health coverage begins on the first day of the month following 60 calendar days from the first date of employment, or two calendar months, whichever comes first:

Date of hire is between:Health coverage begins on:Paycheck deductions begin:
January 2 - February 1April 1March
February 2 - March 2May 1April
March 3 - April 2June 1May
April 3 - May 2July 1June
May 3 - June 2August 1July
June 3 - July 3September 1August
July 4 - August 2October 1September
August 3 - September 2November 1October
September 3 - October 2December 1November
October 3 - November 2January 1December
November 3 - December 3February 1January
December 4 - January 1March 1February
Yearly Open EnrollmentJuly 1June 

*You must enroll in a plan or decline coverage within the first 10 days of your employment!

If you choose not to enroll in a City health plan, please fill out the health insurance refusal form and return it to Room 18 in City Hall.

 **All forms must have a wet signature; no copies, emails, or faxes are allowed at this time.

Please take this opportunity to think about what you and your family need in the way of health care. 

Be sure to read your GIC Benefit Decision Guidefor annual enrollment details (FY20 Guide shown).  Do your homework during annual enrollment, even if you don't plan to make any changes:

  • Review the GIC Benefit Decision Guideand the City of Springfield Rates Sheetfor benefit and rate changes effective July 1, 2019.
  • Consider enrolling in a limited network plan to save money every month on your premiums.  These plans have the same benefits as the wider network plans, but save money because they have fewer physicians, hospitals, and other providers.
  • Contact the plans to find out if your doctors and hospitals still participate in your plan.  Specify the plan's full name, such as Harvard Pilgrim Primary ChoicePlan or Harvard Pilgrim Independence Plan, not just Harvard Pilgrim.
  • Check on copay tier assignments that affect what you pay when you get physician or hospital services.  Copay tiers can change each July 1 with new data.

 Your GIC Benefit Decision Guide is an overview of GIC benefits; it is not a comprehensive plan handbook.  There may be other services that you and your family need.  Contact each plan to find out details about those benefits. 

Keep in mind!  Once you choose a health plan, you cannot change plans during the year, unless you move out of the plan's service area.  If your doctor or hospital leaves your health plan, you must find a new participating provider in your chosen plan. 

View, fill out and print all GIC Forms from our website.

**All forms must have a wet signature; no copies, emails, or faxes are allowed at this time.

If you have questions or need enrollment forms, contact us via email at benefits@springfieldcityhall.com or call 413-787-6055.

Flex Spending Account (FSA) & Dependent Care Account

Flexible Spending Accounts

 *Active Employees Only*

The FSA benefit allows you to contribute pre-tax dollars to individual accounts for eligible uninsured or unreimbursed medical, dental, vision care, and dependent care expenses.

                                                    Annual Minimum               Annual Maximum

Health Care Accounts                      $300                                    $2,500

 

Dependent Care Accounts               $500                                    $5,000  

The Health Care FSA is a DEBIT CARD which allows you to “Swipe-N-Go”.  You will only be able to use your debit card for eligible health care expenses.  You can use the debit card for specific expenses rather than paying for them and submitting forms for reimbursement.  Under IRS Notice 2006-69, the FSA debit card is not valid for Dependent Care expenses. 

A Dependent Care FSA (DCFSA) is a pre-tax benefit account used to pay for eligible dependent care services, such as preschool, summer day camp, before or after school programs, and child or adult daycare. If you sign up for a Dependent Care Account, you will need to submit for reimbursements using this form.

Please use  the FY2020 FSA Deduction Authorization Form to sign up for FSA Accounts.  This may be done during Open enrollment, or within 10 days of your date of hire. *Electronic forms are accepted for FSA only*

 Some Qualified Medical Expenses:

ü  Eyeglasses/Contacts

ü  Co-payments (Office visits, prescription co-payments)

ü  Braces

ü  Chiropractor

ü  Dental Work not covered by dental insurance

ü  Vitamins (by Rx)

**You may also use your card on the FSA website for your health and medical needs! Visit the FSA store and purchase items such as first aid kits, baby supplies, ice packs, sunblock and more!

***Make sure you spend all of your money by June 30th as funds will not "roll over" into the next Fiscal Year!

 

take Care by Wageworks

Register your card and Create your FSA Account through myFlexOnline!

Here you can view your Elected amounts, any claims you have used your Health Care FSA Debit Card for, and your available balance!

Be sure to keep all of your receipts as back up until your purchase has been cleared on take care by WageWorks! You may need to upload a copy of your receipt to your account for proof of purchase.

For assistance regarding myFlexOnline or your card, please call TakeCare at (888) 342-3532

Page last updated:  Monday, April 1, 2019 11:47 am