Town of Mansfield, MA

6 Park Row, Mansfield, MA 02048 | (508) 261-7348
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Retiree Benefits

(Note to Employees planning to retire:  We ask that you complete a Retiree Information Form and forward it to the Treasurer’s Office so your retirement benefits can be coordinated.  If you are 65 years of age or within a few months of turning 65, you should send this form in at least 3 months prior to retirement.  If you are not nearing age 65, please turn the form in one month prior. The Retiree Benefits Information sheet explains the benefits for Mansfield Retirees.)

 

Health Insurance

The Town of Mansfield provides Health Insurance for retirees, including spouses and dependents under age 26.  Retirees pay 25% and the Town contributes 75% towards the monthly the premium.  Retiree insurance coverage begins on the 1st day of the month following the actual retirement date.  There are currently 4 Active (under age 65) plans and 2 Medicare Supplement (age 65 and over) plans.  Both Active and Medicare Supplement plans include Prescription Drug coverage.

Active (under age 65)

The Affordable Care Act requires that employers provide a Summary of Coverage and Benefits (SBC) for each of its plans, to all eligible employees. This information is available here on the website, or will be provided in writing upon request.  Below are FY19 Summary of Coverage and Benefits for the Town’s Health Insurance plans.

  • For FY2019 Rates, click here: FY19 Ins Rates
  • HIPAA Privacy Notice, click here
  • The Town partially reimburses participants for some co-pays.  You must submit original receipts and a completed mitigation form to the Treasurer’s Office to receive reimbursement.

Your medical plan gives you an opportunity to control your share for hospital care.  That’s because what you pay depends on the hospital or related facility you choose.  For more information, click here.

Pharmacy Coverage

Blue Cross Blue Shield of Massachusetts provides a high-quality, affordable pharmacy benefit. The most important thing you can do is to be sure you stay informed about your medications. For more information about formularies and to use the medication lookup tool, please click this link: https://www.bluecrossma.com/wps/portal/members/using-my-plan/manage-my-plan/pharmacy-coverage/

Blue Cross Blue Shield of Massachusetts has chosen Express Scripts as your mail service pharmacy. You can order up to a 90-day supply for most long-term medications, which can save you time. You also can save money because you’ll have a smaller co-payment for most medications when you purchase them through the mail service pharmacy instead of a retail pharmacy.

For more information on Express Scripts mail service pharmacy, click this link: https://www.bluecrossma.com/wps/portal/members/using-my-plan/manage-my-plan/pharmacy-coverage/mail-service-pharmacy/

Medicare Supplement (over age 65)

The Town requires retirees, including spouses and dependents, who are eligible for Medicare to apply for Medicare Part B and, if eligible, to transfer to a Medicare Supplement Plan.

  • Retiree, or spouse, turning 65 will need to apply for Medicare part B three months prior to the first day of the month they will be turning 65, even if there is a possibility Medicare will be denied.  If denied the letter of denial will be needed to be eligible to continue on an active plan.

For more information about Medicare go to the following website: https://www.medicare.gov/

The Health Insurance plans also include Fitness and Weight Loss reimbursements benefits.  See below for more information and forms.

Paper copies of the materials listed above are available in the Treasurer’s office on the 2nd floor in Town Hall.  These documents are also available to e-mail.  Please call 508-261-7340 or 508-851-6427 or e-mail us.

Dental Insurance

The Town offers one (1) dental plan through Altus Dental.  In addition to the plan’s $1,000 annual maximum per participant, the plan includes a Preventive Rewards Program which covers first and second cleanings and exams, X-Rays, Flouride Treatments and Sealants, all outside of the annual maximum.  Click here for FY19 dental rates.   Click here for Altus Enrollment Form

For further information:

Life Insurance

Retirees who had Basic Life or Voluntary Life plan #14190 as an active employee may continue with these insurance(s) as a retiree.

  • The Basic Life Insurance benefit decreases to $2,000 and the monthly premium decreases to 1.08 per month with the Town contributing .86 per month towards the premium.
  • The Voluntary Life Insurance benefit decreases to $5,000 and the monthly premium will be $3.90 per month – 100% paid by the retiree. The dependent coverage (if applicable) premium and amount is determined on an individual basis.  This plan cancels at age 75.  Please contact the Treasurer’s Office for more details.
  • The Voluntary Life Insurance plan # 26440 can be converted after retirement to be paid directly to Boston Mutual Life Ins. Please contact the Treasurer’s office for the application form.

Vision Insurance

In order to have Vision Insurance as a retiree you must have it as an active employee. Click here for rates Vision Rates – Retirees

Payment of Insurance Benefits

Payment for your Insurance Benefits will be deducted from your pension check the month prior to the month of coverage provided there is enough to cover the deductions.  If there is not enough to cover all insurance deductions you may pay directly to the Treasurer’s office.  The payments will be due in the office the month prior to the coverage month with the exception of the Medicare Supplement plans.

Payments for the Medicare Supplement plans are required in the office by the 4th of the month prior to the coverage month.  If payment is not received by the 4th a 21 day letter will be sent to you and the Health Insurance administrator and would require re-applying for the coverage.

Open Enrollment for Retirees

You may change or add Health Insurance or Dental Insurance as a retiree as follows:

  • Open enrollment for the active (under age 65) Health Insurance and the Dental Insurance is typically the month of May for a July 1st start date.
  • If you have coverage, notice of open enrollment and new plan rates are sent at the end of April.  If you are not actively enrolled in the Towns Health or Dental plans you will not receive notification of open enrollment however if you wish to enroll you must apply during the open enrollment period for the July 1st start date.
  • Open enrollment for the Medicare Supplement plans is during November of each year with a start date of January 1.  Notice of new rates and open enrollment will be sent at the end of October to anyone currently enrolled in a Medicare Supplement plan.

In order to enroll in Health Insurance outside of the open enrollment periods there must be a qualifying event, i.e.: loss of coverage or a move outside of the service area.