Explore Our Personalized Health Plans

The Basic plan is anything but basic. With Basic, you’re covered 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%.

Should I select the CIC option? More than 98% of our Basic members choose CIC. Members who do not select CIC may be subject to significant medical bills since many benefits are covered at 80% instead of 100%.

Watch our short video to learn more.

Choose Basic if:

• You live outside New England for all or part of the year.
• You have dependents who receive regular healthcare in other states.
• You want the freedom to see any doctor — or go to any hospital — without any differences in coverage.
• You have complex medical needs.
• You’re comfortable with a higher premium for better plan flexibility and access.

Learn more about the Basic plan’s benefits: 

• Summary of Plan Benefits – Basic
• Summary of Benefits and Coverage (SBC):
  • Basic Plan with CIC
  • Basic Plan without CIC

Download the full Basic plan annual enrollment kit.

Our Community Choice (limited network) plan includes all Massachusetts doctors and 58 hospitals throughout Massachusetts.

If you live in Massachusetts and receive hospital services at one of the 58 Community Choice hospitals, you’ll enjoy the lowest premiums 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.

The Community Choice plan is designed for those who receive their hospital services at a Community Choice hospital. But if the need arises, you still have the freedom to receive services at other hospitals at the non-Community Choice 80% 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.

Choose Community Choice if:

• You and your dependents live and receive medical care in Massachusetts.
• You receive most elective hospital services at a nearby community hospital.
• You’d like to keep your premium as low as possible.
• You’re okay with paying more out-of-pocket if you receive services at a non-Community Choice hospital.
• Community Choice is not available in Nantucket or Martha’s Vineyard.

Learn more about the Community Choice plan’s benefits: 

• Summary of Plan Benefits – Community Choice
• Summary of Benefits and Coverage (SBC)

Download the full Community Choice annual enrollment kit.

The Medicare Extension plan offers everything you want in a health plan. In fact, the majority of GIC Medicare retirees choose this 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. With other Medicare plans available through the GIC you would pay more for most doctor visits.
  • You have no copay for the first four outpatient visits with an in-network behavioral health provider, and a $10 copay for any additional visits.
  • You pay no calendar year deductible and have no lifetime maximums or limits for 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 do not need to file twice.

Watch our short video to learn more.

Learn more about Medicare Extension’s benefits: 

• Summary of Plan Benefits – Medicare Extension

Download the full Medicare Extension annual enrollment kit.