Health & Medical Insurance

Group Insurance

Pursuant to Chapter 69 of the Acts of 2011, the City of Lowell has transferred all its employees, retirees, and survivors to the Commonwealth of Massachusetts' Group Insurance Commission (GIC) health benefits as of July 1, 2012. The GIC offers high value health insurance plans which have earned the distinction of being among the top ten commercial health plans in the country.

While all of the details regarding GIC health insurance options, including rates, plans, benefit decision guides, and frequently asked questions are available on the GIC website, there are also essential documents which will assist you with your health and medical insurance benefits.

GIC Health Insurance Rates

Current biweekly and monthly GIC Health Plan insurance FY23 rates

FY24 Rates effective 7/1/2023

GIC Health Plans Benefit Decision Guides/Benefits at-a-Glance

A comparative summary overview of the GIC plan benefits for eligible employees and non-Medicare retirees and survivors; detailed GIC plan benefits are available on the GIC website. View the most current one here

GIC Coverage Required Documents

Details the documents the GIC requires you to submit along with your GIC health plan enrollment, which may vary based on coverage type (e.g., single, spouse, dependents, retired, etc.).

How to Enroll

Employees have thirty (30) days from their date of hire to enroll. Otherwise, employees may enroll within thirty (30) days from a qualifying event or during Open Enrollment. Active employees can obtain the Form-1MUN from the Human Relations Office. Retirees can contact the GIC directly at 617-727-2310.

Additional Information

Please contact the City's Human Relations office at 978-674-4105 so that we may assist you with any comments, questions, or concerns you may have.