Full-Time Employee Benefits

Health Insurance
Effective 7/1/2023, The Town will offer the following plan options for active employees and retirees who are not eligible for Medicare:
Access Blue New England Saver II
Preferred Blue PPO Saver II
2023 Employee Benefits Summary Report

For further information on your health benefit please visit:
https://planinfo.bluecrossma.com/customblue/2022/townofware
zoom video
2023 Town of Ware EKIT
Health Insurance Flyer

Please see the following documents for further information on the new plans as well as a comparison to the current plans:
   FY22 Health Insurance Renewal - BCBS & Non-Stop Wellness
Health Insurance Q & A
Non-Stop Wellness Member Guide
Non-Stop Mini Guide
     Informational Video on Non-Stop Wellness: https://youtu.be/t41IzXpv5oY

Following are the premium rate schedules for FY24:
Monthly Premiums for FY23 are:                            Monthly Premiums for FY24 are:
HMO
     Individual $165.46 Individual $169.59
Family    $409.93 Family $420.18
PPO
     Individual $225.34 Individual $230.97
Family    $562.27 Family $576.33

Remember to consider the Health Insurance Opt-Out Program.
This program will provide up to a $4,000 stipend for those currently on Ware health insurance coverage who obtain alternative coverage through a spouse or qualified alternative. Click here for policy details.

Dental Insurance
The Town offers dental insurance through Blue Cross Blue Shield. Beginning 7/1/23, the plan offered will be
Dental Blue Freedom and employees will be able to choose coverage at the tiers listed below.

Employee pays 100% of premiums.
Monthly Premiums for FY23 are:                            Monthly Premiums for FY24 are:
     Individual $41.46 Individual $42.25
     Double           $88.34 Double $90.02
     Family    $123.61 Family $125.96

Vision Insurance
The Town offers vision insurance through VSP Vision.

Employee pays 100% of premiums.
Monthly Premiums for FY23 are:                             Monthly Premiums for FY24 are:
     Individual     $7.43                                                      Individual           $7.43
     Double          $10.77                                                     Double                $10.77
     Family           $19.31                                                     Family                 $19.31

Group Term Life and AD&D Insurance
The Town offers a $5,000 Term Life and Accidental Death and Dismemberment insurance policy with a monthly premium of $3.60, of which the Town pays 90% ($3.24), and the employee pays 10% ($.36).

Upon retirement, this policy converts to a $2,000 Life policy.