Annual Enrollment will run from Wednesday, April 1 - Friday, May 1, 2026

This is your time to make changes to your health and dental plans, or to enroll in a plan or Flexible Spending Account (FSA).

All changes/enrollments will be effective as of July 1, 2026.

Please note that you must re-enroll in a Flexible Spending Account every year, but if you do not want to make any changes to your health or dental insurance plans, you do not need to take any action.

However, due to rate increases, employees are encouraged to actively shop around and evaluate their options.

F27 Changes:

Effective July 1, 2026, the GIC will no longer cover GLP-1 medications when prescribed specifically for weight loss. This change is being made at the state level and applies to all GIC plans.

Retiree Information

HEALTH INSURANCE

Reminder! If you do not want to make changes to your health plan, you do not need to take any action, but we encourage everyone to actively shop around and evaluate their options. 

Rates for F27 (July 1, 2026 - June 30, 2027)

GIC Benefit Decision Guide

GIC Annual Enrollment Website

GIC Health Plans- Links to all the GIC insurance carriers 

Links/information to search for providers within each of the available plans:

• Wellpoint- Click on ‘Basic search as a guest’ in the middle of the page. Then select ‘Medical Plan or Network’ and ‘Massachusetts,’ the rest will fill in automatically. Then click ‘Continue.’ Once you’re on the search page, it’s best to keep things general, so just putting in ‘Boston, MA’ in the zip code box and then clicking on Primary Care, Behavioral Health, Hospital etc. (depending on what you’re looking for). This brings you to the full list, and then you can search within that list.
• Mass General Brigham
• Harvard Pilgrim Quality- It will first prompt you to enter a location
• Harvard Pilgrim Explorer- It will first prompt you to enter a location

FY27 Hospital Listing with Tiering Information

GIC Member Portal

If you are currently enrolled in health insurance, this is where you make plan changes using the following instructions:

• After logging in, click 'Get Started' on the Annual Enrollment banner at the top (starting 4/1)
• Move through the prompts and you'll end up on the Health insurance page
• It will then ask you: 'Would you like to continue with your current health insurance plan'
• If you click 'No,' you will then want to select 'Switch to New Plan'
• This will lead you to a list of all the FY27 plans with summaries and rates
• If you are adding any dependents to your plan, you will need to provide a marriage certificate and/or birth certificate(s)

If you are not currently enrolled in health insurance, but would like to enroll, please reach out to HR for more information.

Enrollment/Change Form- Only use if you are unable to make changes using the GIC Member Portal; see instructions below**

Required Documents for Health Insurance Enrollment

The Town will be continuing with the opt-out program launched last year. As a reminder:

• Only active employees who have been covered by the Town’s health insurance for twenty-four (24) consecutive months are eligible.
• Employees may opt out during annual enrollment or due to a qualifying event.
• Eligible employees who opt out of Town coverage will be paid $2,000 per fiscal year for an individual plan and $4,000 per fiscal year for a family plan, which will be distributed evenly throughout the year in the employee’s regular bi-weekly paycheck.
• To opt out, the employee must sign and submit the opt-out form, certifying the insured and any eligible spouse and/or dependent(s) have enrolled in a health insurance plan elsewhere.
• If you are already part of the opt-out program and are continuing to opt-out, you do not need to notify us or re-complete the form.  

FLEXIBLE SPENDING ACCOUNTS

Reminder! You must re-enroll in a Flexible Spending Account every year. The Dependent Care maximum will be increasing to $7,500 per family, while the Medical FSA will have a slight increase to $3,400.

Plan Year Information

Sentinel Portal- Where you enroll/re-enroll; will be active 4/1/26-5/1/26

Online Enrollment Instructions- Please note that as part of the process, you will receive a prompt that says you are being redirected to a website outside of Sentinel. 

Participant Guide

Enrollment Form- See instructions below** on how to return. However, online enrollment/re-enrollment is preferable! 

DENTAL INSURANCE

Reminder! If you do not want to make changes to your dental plan, you do not need to take any action.

Rates for FY27 (July 1, 2026 - June 30, 2027)- No rate increase!

PPO Plus Premier Brochure / Delta Dental Website

Low Plan Info / High Plan Info

Enrollment Form- There is no online option for dental enrollment/changes. If you would like to enroll or make any changes, please submit a paper form using the instructions below**

**If you need to submit a paper enrollment form, you can either scan and email to Veronica (Nicky Biederman) and Jennifer Kinnear (do NOT write your SS# on the form), fax to (781) 320-1067, drop off in person, mail it, or put it in the GREEN mailbox outside of Town Hall.**

Address: 580 High Street Westwood, MA 02090, ATTN: Human Resources.

Have Questions or Need More Information? 

Human Resources will be holding office hours throughout the open enrollment period:

• Tuesday, April 7th, 12:15-2 pm- High School PD Room 
• Tuesday, April 14th, 11 am-1 pm- Thurston MS Library
• Thursday, April 16th, 8-9 am- Pine Hill Elementary School- First Floor Staff Room

Phone: (781) 320-1072   Email: benefits@townhall.westwood.ma.us