Explore our Health Plans

UniCare’s Basic plan is anything but basic. This standout plan covers you anywhere in the world, no matter where you live. You can see any doctor and use any hospital — the cost to you stays the same.

There’s no hospital tiering in Basic. Your costs are the same whether you receive services at your nearby community hospital, at a Boston-area teaching hospital, or at a hospital on the other side of the country.

You’re always free to see any primary care or specialty care doctor. There are two specialist tiers and, as with all UniCare plans, primary care doctors aren’t tiered at all.

Basic with CIC (comprehensive coverage) offers the highest level of benefits — 100% coverage for most covered services — for a higher premium (monthly payment). You’ll have a lower premium if you choose the non-CIC option, but most services are covered at 80%.

Watch our short video to learn more about Basic.

Choose Basic if you:

• Live outside New England for all or part of the year.
• Have dependents who receive regular healthcare in other states.
• Want the freedom to see any doctor — or go to any hospital — without any differences in coverage.
• Have complex medical needs.
• Are comfortable with a higher monthly payment for our best plan flexibility and access.

Take a look at the Summary of Plan Benefits for Basic to find out more about this plan’s benefits.

Community Choice is our limited network plan that lets you use all Massachusetts doctors and 58 hospitals throughout Massachusetts.

If you live here in the Commonwealth and receive hospital services at one of the Community Choice hospitals, you’ll enjoy the lowest monthly payment of any GIC offering, with the same benefits as our higher-premium plans.

In Community Choice, non-hospital services — including doctor visits — are covered the same no matter where you go or who you see.

This plan is designed for those who get hospital care at a Community Choice hospital. Even so, you have the freedom to use other hospitals at a reduced benefit level.

Community Choice hospitals are located across Massachusetts — even Dana Farber Cancer Institute in Boston and Children’s Hospital Boston are Community Choice. There’s bound to be a plan hospital near you.

Watch our short video to learn more about Community Choice.

Choose Community Choice if you:

• Live and receive medical care in Massachusetts.
• Get most elective hospital services at a nearby community hospital.
• Would prefer to keep your monthly payments as low as possible.
• Are okay with paying more out-of-pocket for services at a non-Community Choice hospital.

Note: The Community Choice plan is not available in Nantucket or Martha’s Vineyard.

Take a look at the Summary of Plan Benefits for Community Choice to find out more about this plan’s benefits.

An overwhelming majority of the GIC’s Medicare retirees choose UniCare’s Medicare Extension plan. Here are some reasons why:

• You can use any doctor or hospital in the U.S. for both routine and ongoing care, as well as emergency care – even when you’re away from home. You will receive the highest benefit when you use Medicare participating providers.
• UniCare’s experienced member services team serves GIC members only, providing expert support for your questions or concerns.
• We cover some things Medicare doesn’t cover, like hearing aids and routine eye exams.
• You have coverage for prescription drugs, eliminating a coverage gap that could leave you with high bills.
• You save on the following costs:
  • You have a $10 copay for visits to doctors, nurse practitioners and physician assistants, as well as at urgent care centers and retail medical clinics. Other GIC Medicare plans require you to pay more for these visits.
  • You have no copay at all for the first four visits with an in-network behavioral health provider. After that, you’ll owe only a $10 copay.
  • There are no calendar year deductibles, no lifetime maximiums, and no limitations due to pre-existing conditions.
• Our plan offers you the convenience of automatic Medicare crossover. This means your claims are sent directly from Medicare to UniCare so you don’t need to file twice.

Watch our short video to learn more about Medicare Extension.

Take a look at the Summary of Plan Benefits for Medicare Extension to find out more about this plan’s benefits.