Health and Insurance Benefit Information
Plan Year FY2024 (7/1/23 to 6/30/24)
- FY2024 Health Plan Rates
- FY2023 Health Plan Rates
- FY23 vs. FY24 Rate Changes
- FY24 Plan Comparison Charts
- High Deductible Health Plan
- Benchmark Plan
- Delta Dental (High Plan vs. Low Plan)
Dental, Vision, & Basic Life Rates
| FY24 Rate Chart - Effective July 1, 2023 |
| FY23 Rate Chart - Effective July 1, 2022 |
| FY22 Rate Chart - Effective July 1, 2021 |
| Voluntary Term Group Life Rates |
FY24 Virtual Overview Session Recordings
Enrollment Forms
Enrollment Forms in Spanish
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) |
Opt-Out Program
Program Requirements (PDF) / Enrollment Form (PDF) / Declination Form (PDF)
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 | ||||||
Benchmark 00-4069890 High Deductible 00-4070363 | 1-800-262-BLUE (select prompt 3) | |||||
High Plan: | Low Plan: | 1-800-872-0500 | ||||
1-888-4-EYEMED | ||||||
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
| Flex Spending Account Overview | Flex Spending Account Overview (Spanish) |
| FSA Eligible Expenses | FSA Store |
| Dependent Care FSA | Dependent Care FSA (Spanish) |
Other Benefits
| Aflac | Delta Dental: Right Start 4 Kids | PinnacleCare |
| CanaRx Prescription Drug Program (see more for $0 co-pays!!) | Diabetes Care Rewards Program | PinnacleCare FAQ's |
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