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Retiree Benefits

Health Insurance Benefits for Town of Wilbraham Retirees
Their Spouses and Dependents

Massachusetts Municipal Health Reform: Medicare

MGL Chapter 32 B Section 18 and 18A, which were local option sections, have been replaced by a New Section 18A which is mandatory. Governmental units are no longer allowed to enroll Medicare A and B eligible retirees and spouses into active plans and must enroll them in a Medicare Health Plan. (An exception is a retiree and/or spouse who may have an eligible child, in this case they may be able to ensure through a family plan option, however, they are required to enroll in Medicare Part B.) For more information on how to apply for Medicare Part B, please click here.
 
Medicare Eligible
Retirees and their spouses and dependents who are on Medicare and Medicare Supplement or Advantage Plans will be on a calendar year plan year (January 1 to December 31) and participate in Open Enrollment in October/November.

Monthly Premium Rates 2018 - Medicare Plans
Rates effective January 1, 2018 to December 31, 2018

Plan
 40% Retiree
 60% Town
 100% Total
BCBS Medex 2 w/Blue Medicare RX
$148.80 $223.20 $372.00
BCBS Managed Blue for Seniors w/Blue Medicare RX
$138.63 $207.95 $346.58
BCBS Medicare HMO Blue (Advantage Plan)
$142.73 $214.10 $356.83
       
HNE Medplus (Medwrap*)
$151.20 $226.80
$378.00
HNE Secure Freedom POS (Advantage Plan)
$152.00 $228.00 $380.00
       
Tufts Medicare Supplement
$142.00
$213.00 $355.00
Tufts Medicare Preferred (Advantage Plan)
$118.40
$177.60 $296.00
*Only Plan eligible for Diabetes Reward program


Non-Medicare Eligible

Retirees and their spouses and dependents who are not on Medicare and are enrolled in active plans will continue on a fiscal year plan year and participate in Open Enrollment in April/May along with active employees.  
Monthly Premium Rates - Active Plans
Rates effective July 1, 2018 to June 30, 2019

 Plan
40% Retiree
 
 
60% Town 
    100% Total
   
 
 Individual
 Double
 Family  Individual
 Double
 Family
 Individual
Double 
Family 
BCBS Blue Care Elect PPO*
$705.50   $1,535.00 $705.50   $1,535.00
$1,411.00   $3,070.00
BCBS Network Blue NE
$297.20   $736.00 $445.50
  $1,104.00
$743.00   $1,840.00
HNE HMO Exclusive
$255.20
$518.00
$698.00
$382.80
$777.00
$1,047.00
$638.00
$1,295
$1,745.00
Tufts Health Plan EPO
$304.00
  $758.80 $456.00
  $1,138.20
$760.00
  $1,897.00
* town pays 50% of this plan