Health Insurance
The Town offers two health plans through Harvard Pilgrim Health. You can choose between:
- HMO – Town currently pays 75% or 80% of the annual plan premium (depending on position and date of hire), employee pays remaining 20% or 25%. The HMO plan requires that you schedule routine health care through a primary health provider, obtain a primary health provider’s authorization for all specialist visits, and obtain services within the Harvard Pilgrim network of providers.
- PPO – Town currently pays 50% of the annual plan premium, employee pays remaining 50%. The PPO plan provides some coverage if you seek medical care outside of the Harvard Pilgrim network of health providers, and does not require a primary health provider’s authorization for specialist visits.
Enrollment forms and more information on rates and coverage can be found at the Town HR Benefits webpage.
Dental Insurance
The Town offers two dental plans through Delta Dental:
- Delta Dental Premier Voluntary Enhanced Table Plan
- Delta Dental PPO Plus Premier Voluntary Plan
The employee pays 100% of the premiums for either plan.
Enrollment forms and more information on rates and coverage can be found at the Town HR Benefits webpage.
Dependent/Spouse Eligibility and Proof
Eligible spouses, ex-spouses and dependents may be covered under the Town’s health and dental insurance. The Town requires the following for their enrollment:
- Spouse: a copy of the marriage certificate.
- Ex-Spouse: a copy of the divorce decree mandating that the ex-spouse receive health coverage through the employee. The Town needs the cover sheet(s), health insurance portion, signature page and absolute date of the decree. If either spouse remarries, the ex-spouse can no longer receive coverage through the Town and must enroll in an independent plan or accept COBRA coverage.
- Dependents: may be covered until age 26. The Town requires a copy of government-issued birth certificate for each covered dependent. If covering an adopted child or a dependent an employee has legal guardianship over, the Town requires proof of legal adoption/guardianship (i.e. court documents, etc.). If a dependent is over the age of 26 and has a certified handicap, he/she can remain covered if the employee produces medical proof of the dependent’s handicap.