BCBS Health, Dental & Vision
Health Benefits – Offered through the Amherst Pelham Health Claims Trust (APHCT)The Town offers two types of health plans: a Preferred Provider Organization (PPO) which the Town contributes 75% of the premium and a Health Maintenance Organization (HMO) which the Town contributes 80% of the premium. The balance of the premium is deducted pre-tax from the employee’s paycheck on a biweekly basis.
When can Health, Dental & Vision coverage start?
New Hire: If employee’s effective date of hire is prior to the tenth (10th) of the month, coverage will begin on the first (1st) day of the following month (example: hired 1/5 coverage starts 2/1). If effective date of hire is after the tenth (10th) of the month, coverage will begin the first day following the second month of employment (example 1/19 coverage starts 3/1)
Open Enrollment: Held annually in April and changes take effect July 1.
Qualifying Event: Certain “life events” are eligible to make changes to your plan such as: marriage, divorce, birth/adoption of a child, loss of other coverage. The change must be reported within 30 days of the event and with proper documentation. Please contact HR if you have specific questions or to confirm your situation is eligible under a qualifying event.
** Please note it is the employee’s responsibility to notify the Accounting office of any other types of changes such as name change, address change, corrections.
If declining coverage, a waiver of insurance form must be completed and returned to Accounting.
If planning to retiree, please review this summary of health insurance and retirement.