Health and Insurance Benefit Information
Plan Year FY2023 (7/1/22 to 6/30/23)
Fallon Community Health announced that they would no longer offer commercial plans as of June 30, 2022, such as those plans offered to Town employees. As a result, there are significant changes to some health rates in FY23 (beginning 7/1/22). In an effort to help communicate these changes, the West Suburban Health Group voted on FY23 rates earlier this year.
- FY2023 Health Plan Rates
- FY22 vs. FY23 Rate Changes
- FY23 Plan Comparison Charts
- High Deductible Health Plan
- Benchmark Plan
- Delta Dental (High Plan vs. Low Plan)
If you are currently enrolled in Fallon, please be aware of the following:
- Fallon will not be available on July 1, 2022. You must select a new plan during open enrollment period and submit forms.
- Blue Cross will now be the lowest cost option, however, the FY23 Blue Cross rates are still significantly higher than the FY22 Fallon rates.
To help communicate this change, and to help employees best understand all of the health plan options offered by the Town, information sessions will be scheduled leading up to and through the Open Enrollment period this spring. Please please check back on this site for up-to-date information.
To view a copy of the Information Session Presentation, please click below:
| Info Session Presentation | (Info Session) Version en Español |
| FY2023 Info Session_FINAL | FY2023 Info Session - ESPAÑOL |
FY23 Open Enrollment Zoom Presentations
| FY23 Open Enrollment Info Session March 7, 2022 |
| FY23 Open Enrollment Health Provider Presentation 3/31/2022 |
| FY23 Open Enrollment Voluntary Benefits Presentation 4/13/2022 |
Where to Submit Enrollment Materials
Town Employees: enrollments@needhamma.gov |
School Employees: Upload securely via TalentEd Records (or contact to HRPayrollHelpDesk@needham.k12.ma.us for instructions) |
FY2023 Rates - Health, Dental & Group Life
| FY23 Rate Chart - Effective July 1, 2022 |
| FY22 Rate Chart - Effective July 1, 2021 |
| FY21 Rate Chart - Effective July 1, 2020 |
| Group Life Rates |
Enrollment Forms
Enrollment Forms in Spanish
Insurance Carrier Information
| When making insurance enrollment decisions, always consult your healthcare provider and ensure they are within the specific plan’s network or click the "Find a Provider" link below. You may also reach out to the insurance carriers directly, via the Member Services number below, to ask specific coverage questions under the plans offered by the Town. Mention that you are a "prospective member" and be ready to reference the specific Group Number as specified below. If you need further assistance or clarification, please reach out to your HR Department and we may be able get further information from our Insurance Account Representative on your behalf. |
Insurance Carrier | Summary of Benefits (Qualified High Deductible) | Summary of Benefits (Benchmark) | Summary of Benefits (PPO) | Summary of Benefits (Limited Network) | Member Services | Find a Provider |
|---|---|---|---|---|---|---|
1-888-333-4742 | Plan: Best Buy ChoiceNet HMO | |||||
1-800-462-0224 | ||||||
| 1-800-262-BLUE (select prompt 3) | ||||||
High Plan: | Low Plan: | 1-800-872-0500 | ||||
1-888-4-EYEMED | ||||||
Opt-Out Program
Program Requirements (PDF) / Enrollment Form (PDF) / Declination Form (PDF)
Health Savings Account (HSA) Info
| HSA Guidebook | HSA Election Form |
| Health Equity Plan Comparison Tool | General info on HSA/QHDHPs |
Flex Spending Account (FSA) Info
Other Benefits
Delta Dental: Right Start 4 Kids
CanaRx Prescription Drug Program (see more for $0 co-pays!!)
Legal Notices
125 Summary Plan Document / Affordable Care Act - Market Place Notice (PDF) / CHIP Notice (PDF) / HIPAA Privacy Notice (PDF) / COBRA Notice (PDF) / HIPAA Special Enrollment Rights (PDF) / Notice of Patient Protections (PDF) / Summary of Benefits and Coverage (SBC) (PDF) / Women’s Health and Cancer Rights Act (WHCRA) (PDF) / Summary of Benefits and Coverage (SBCs)
Please visit the West Suburban Health Group website for additional insurance information
HR Benefits Office Hours available by appointment only