2023 Annual Enrollment is now open for all benefit-eligible employees & retirees

*extended through June 9th

Now is the time to add or change your benefits!

  • Do you need to add a dependent to your coverage?

    Annual enrollment is the only time of year you're allowed to add a dependent to your health & dental plan without a qualifying event.

  • Don't forget - dental coverage comes in 2 tiers for current employees

    Make the switch from low (basic) option to high (enhanced) option - or vice versa!

  • All enrollments & changes will be effective July 1st


Quicklinks for Retired Employees:

Click on the topic below to be redirected:

·Non-Medicare Health Plans·Medicare Supplemental Plans·Dental Insurance

·Rate Sheet ·Annual Enrollment Flyer 


Quicklinks for Current Employees:

Click on the topic below to be redirected:

·Health Insurance·Dental Insurance·Annual Enrollment Flyer
·Deferred Compensation·Employee Assistance Plans·Rate Sheet
·Flex Spending·Good Health Gateway·Beverly Federal Credit Union
·Additional Benefits (Disability, Whole Life, Critical Care, etc.)




Retired Employees


AE Flyer 2023 Retirees


Retiree Health Insurance Rate Sheet (PDF)


RETIREE HEALTH INSURANCE:

Non-Medicare Plans (for retirees not yet age 65 and/or not enrolled in Medicare):

BCBS Network Blue New England HMO

Additional Network Blue Info:

Harvard Choice Net HMO

  • Monthly Rate for Individual plan $195.34
  • Monthly Rate for Family plan $510.32
  • 16% increase for FY24
  • Harvard Choice Plan Summary (PDF)
  • Plan requirement: must live in New England


BCBS Master Medical Indemnity

  • Monthly Rate for Individual plan $418.28
  • Monthly Rate for Family plan $1041.47
  • 16% increase for FY24
  • Master Medical Plan Summary (PDF)
  • Nationwide coverage
  • No changes to plan basics


Medicare Supplemental Plans (for retirees age 65 & over and/or enrolled in Medicare Parts A & B):

Tufts Medicare Preferred (designed to coordinate with Medicare A&B)

BCBS Managed Blue for Seniors (designed to coordinate with Medicare A&B)

  • Monthly Rate is $115.57  per person
  • Surviving spouse (widow/widower) Rate: $288.93 per month
  • 3.2% increase for FY24
  • Includes prescription coverage
  • Managed Blue Plan Summary (PDF)
  • Plan requirement: must live in Massachusetts

BCBS Medex3 (designed to coordinate with Medicare A&B)

  • Monthly Rate is $177.16 per person
  • Surviving spouse (widow/widower) Rate: $354.32 per month
  • 16% increase for FY24
  • Includes prescription coverage
  • Medex Plan Summary (PDF)
  • Able to live anywhere in the country


RETIREE DENTAL INSURANCE:

Altus Dental - Retiree Plan

  • Monthly Rate for Subscriber Only: $47.24
  • Monthly Rate for Subscriber +1: $94.48
  • 0% increase for FY24
  • Plan Summary (PDF)
  • Coverage is throughout United States


______________________________________________________________________________________________________________

______________________________________________________________________________________________________________



Current Employees

AE Flyer 2023 ACTIVES

CURRENT EMPLOYEE FY24 RATE SHEET (PDF)

FY24 BCBS Online Ekit (113 pages) : Click here

FY24 Harvard Online Ekit (54 pages) : Coming soon!


CURRENT EMPLOYEE HEALTH INSURANCE:

BCBS Network Blue New England (HMO)

Additional Network Blue Info:

Harvard Choice Net (HMO)

  • Weekly Rate for Individual plan $45.08
  • Weekly Rate for Family plan $117.77
  • 16% increase for FY24
  • Harvard Choice Plan Summary (PDF)
  • Plan requirement: must live in New England


BCBS Master Medical (Indemnity)


CURRENT EMPLOYEE DENTAL INSURANCE: 

Altus Dental - High Option

Altus Dental - Low Option

More Altus information:



ADDITIONAL BENEFITS for CURRENT EMPLOYEES:

All full time employees are eligible to enroll in the following optional plans:

  • Membership Benefits Annual Enrollment Flyer (PDF) NEW!
  • Whole Life Insurance (lifetime coverage that accumulates a cash value) 
  • Short Term Disability (includes absences due to accident, surgery, maternity leave, sickness...) 
  • Hospital Indemnity (provides cash benefits for hospitalizations) 
  • Accident Coverage (provides cash benefits for accidents or injuries) 
  • Critical Illness Coverage (provides a lump sum benefit upon diagnosis of a covered illness) 

Click on the links below for more information:

  • Click here to view rates or apply for whole life insurance
  • Click here to view rates or apply for short term disability, hospital coverage and accident benefits 

These plans are available only once a year during Annual Enrollment. Feel free to contact Jesse or Spencer, even if only to ask a question or to familiarize yourself with the types of coverage offered. 

Coverage effective date will be July 1st.

Enrollments are handled one-on-one by Benefit Specialists Jesse White & Spencer Paresky of Membership Benefits Group:

Some coverage options may require Evidence of Insurability (EOI) paperwork.




Deferred Compensation Plans



Good Health Gateway


Employee Assistance Program (Completely Confidential)



Beverly Municipal Federal Credit Union



Flexible Spending Accounts



Benefit eligible employees have access to the full premium version of the CALM app ($70/yr value) for free!

Calm 1 Jasper Lake

Click here for more information



New for Summer 2023!


Working Advantage 

Employee Discount Program

Save Big on Hundreds of Brands

Travel, Entertainment, Electronics, Gifts & More!

Your work-life balance and general well-being are as important to us as the work you contribute. That's why we’re excited to offer your Working Advantage Discount Program, your one-stop shop for exclusive and convenient savings on the products, services, and experiences you know and love.  It’s cost-free and easy to enroll. Just visit Working Advantage and ***use the company code BeverlyFUN*** to begin receiving discounts on: 

  • Electronics 

  • Appliances 

  • Theme Parks 

  • Hotels 

  • Movie Tickets 

  • Rental Cars 

  • Gift Cards 

  • Apparel 

  • Cars 

  • Flowers 

  • Fitness Memberships 

  • Groceries 

  • Special Events 

  • And More! 


Working Advantage Program Flyer (PDF)


Enjoy!