GIC Retiree Dental Program: Key Features

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GIC Retiree Dental Program: Key Features

Administered by MetLife beginning July 1. Eligibility:
You must be insured by the GIC, including the GIC’s RMT (Retired Municipal Teachers) Program.

Voluntary Program:
You can join if you want. Remember if you drop coverage after joining, you can’t re-enroll.

Enrollment:
You can enroll during open enrollment (April 17 thru May 18), when you retire or when your COBRA coverage ends (18 months after retiring).

Lower Monthly Premiums:
Beginning July 1, you will pay approximately 11% less - $23.93 for individual; $57.64 for family. Premiums are deducted from your monthly pension check.

Benefits:
You are reimbursed a fixed allowance for a particular service according to a schedule set by the GIC, for example $75 for cleaning, $94 for complete X-ray series, and $78 for three surface silver fillings.

Maximum Benefit:
You are entitled to a maximum reimbursement of $850 annually.

Freedom of Choice:
You can go to any dentist and be reimbursed for the service according to the GIC schedule of allowances. If you go to a dentist in the MetLife network, he is paid directly, and more importantly, you also receive a discount (see next).

Discounts:
You are entitled to a discount, possibly up to 30%, from a dentist in the MetLife network. Remember to check whether your dentist participates in the network and what discounts he offers.

Waiting Period:
You are entitled to reimbursement for all minor dental work (i.e., cleaning, fillings) from the first day of coverage and must wait 6 months for major work only (i.e., crowns, dentures).

For More Information:
If you can, attend the upcoming health fairs (see GIC Health Fairs, p. 13). Otherwise call our office and ask for Cheryl Stillman. (When a new 800 # for MetLife becomes available, we’ll let you know.)
or visit: www.mass.gov/gic.

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