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Non-Medicare Open Enrollment (FY2018) - Active Employee and Early Retirees or Spouses

The FY18 annual health and dental insurance open enrollment period for benefit-eligible town employees and health insurance for non-Medicare eligible retirees will run from Monday, April 17th through Thursday, May 12th at 12:00pm. During this period, employees and retirees can select a plan for the first time or switch plans for an effective date of July 1, 2016.

The Annual Benefits Fair will be held on Thursday, April 27th from 12-4pm here at Town Hall on the second floor in Powers Hall. If you have specific questions regarding plan designs and features, you can drop in at any time during this event to speak with any of the plan representatives. The representatives are there to help you make an informed decision on which plan best meets your needs.  

"Benchmark" Plans Added!
In Fiscal Year 2017, the Town added to it’s existing menu of plan offerings. “Benchmark” plans are available that are lower in cost but feature small deductibles. For more information on the plan designs and differences compared to the existing Rate Saver plans, please see the health plan comparison charts or come speak to one of the plan representatives at the benefit fair on April 27th.

Please keep in mind that the “Rate Saver” plans will no longer be available to West Suburban Health Group members in Fiscal Year 2019 (July 1, 2018), while the Benchmark will still be available. The Town is currently considering all options including offering a High Deductible plan with a Health Savings Account (HSA), or pursuing other plan options all together.

As always, please consider all plan features which may be important to you and consult with any health care providers to see if they accept the plan, before making decisions.

New Voluntary Benefits!
Aflac—Short Term Disability, Accident, Cancer, Hospital, Dental
New this year for employees, the Town is offering an open enrollment for Aflac plans that are fully employee sponsored and deducted from payroll. Consider these optional plans to supplement other forms of insurance:

  • Short-Term Disability: Provides a source of income when you can’t work due to sickness or injury.
  • Accident Plan: Pays cash to you for injuries on or off the job to help with non-medical expenses.
  • Cancer Plan: Cash benefit to be used as a safety net for fighting the financial burden of cancer.
  • Hospital Indemnity: Help with everyday living expenses during your hospital stay.
  • Dental: pays benefits regardless of any other plan and has no annual deductible.

Delta Dental
Also new this year for employees, the Town is offering the Delta Dental Premier Enhanced plan in addition to its existing Premier plan. The new plan includes diagnostic and preventative care covered at 100% for just a slightly higher premium. See the comparison of the current plan with the new plan here. Also please talk to our Delta Dental representative at the health fair for more information.


 Customer Service

Find a Provider

 Fallon Community Health Plan


Plan: Select Care and Direct Care

 Harvard Pilgrim Health Care


Plan: HMO or PPO

 Tufts Health Plan


Plan: HMO

 Blue Cross/Blue Shield


Plan: HMO Blue New England

Delta Dental  1-800-872-0500  Plan: Delta Dental Premier 
Aflac  Ray DeRosa (Agent): 617-658-1834 NA


 Health Plan Information

 Plan Applications

 Rates: Active Employees  /  Non-Medicare Retirees

 Fallon Application

Comparison Charts: RatesaverBenchmark / Both

 Harvard Pilgrim Application

Open Enrollment Flyer   Blue Cross/Blue Shield Application

Open Enrollment Announcement to Retirees 

 Tufts Application

Save the Date - Benefits Fair!

Deduction Authorization Form: Employees / Retirees

Voluntary Benefits

 Delta Dental - Comparison Chart

 Aflac - Short-Term Disability / Hospital

 Table of Allowances - Premier / Premier Enhanced Aflac -  Accident / Cancer / Dental

Delta Dental Application

 Aflac Rates

 Required Notices

 Affordable Care Act - Market Place Notice  CHIP Notice
HIPAA Privacy Notice  COBRA Notice
HIPAA Special Enrollment Rights Notice of Patient Protections
Summary of Benefits and Coverage (SBC)  Women's Health and Cancer Rights Act (WHCRA)

Please visit the
West Suburban Health Group website for additional insurance information