Annual Enrollment is April 5 - May 3

April 05, 2023

Annual enrollment for Group Insurance Commission members is Wednesday, April 5 - Wednesday, May 3, 2023.

Ready to enroll in UniCare? Visit the GIC website. Use myGICLink to submit your enrollment online. Also see your GIC Benefits Guide for information or contact your GIC Coordinator for assistance.

UniCare has served Massachusetts state and municipal employees and retirees insured through the Group Insurance Commission for over 30 years. Because UniCare serves ONLY GIC members, we are uniquely positioned to tailor what we do (and how we do it) exclusively for GIC members.

UniCare offers four health plans. We offer three plans for non-Medicare GIC members and their families and one plan for Medicare members. Our plans differ by residency requirements, which providers you can use, how much your monthly payment (premium) is, and whether you are eligible for Medicare.

Compare our three commercial plans below. Visit our Explore our Plans page to learn more.

	TOTAL CHOICE	PLUS	COMMUNITY CHOICE
Premium range	$$$$$	$$$	$
Type of plan	Indemnity – any provider, without referrals, no matter where the member gets services.	Indemnity / PPO-type – network of providers that are “preferred;” coverage and lower costs.	Indemnity / Limited network – A PPO-type plan with a network of MA hospitals. If you need to use an out of network hospital you still have coverage with higher out of pocket member costs.
Where can I live?	Six New England States (MA, NH, RI, ME, VT, CT)	Six New England States (MA, NH, RI, ME, VT, CT)	Massachusetts (excluding Martha’s Vineyard and Nantucket)
Are out-of-state dependents covered?	Dependents covered anywhere	Dependents covered anywhere	Dependents covered anywhere
PCP selection required?	No PCP required	No PCP required	No PCP required
Need referrals to specialists?	No referrals	No referrals	No referrals
Can I travel anywhere?	Yes, travel anywhere and get covered	Yes, travel anywhere and get covered	Yes, travel anywhere and get covered
Can I see any provider?	Yes	Yes	Yes
Which hospitals can I visit?	Go to any hospital	Tiered	Tiered
Are PCPs tiered?	No	Yes	No
Are specialists tiered?	No	Yes	Yes
Is Behavioral Health offered?	All UniCare plans provide access to the largest behavioral health network in the nation through Carelon Behavioral Health.