Benefit Information for Current Employees
Open enrollment will be held April 15, 2024 through May 15, 2024 with plans being effective July 1, 2024. Life insurance will not be available during this open enrollment. Welcome to the benefit information page for new and current employees working for the Town of Pembroke. If you are enrolling in benefits, as a new employee or due to a qualifying event, please contact the Treasurer's Office at 781-293-3893 or email Jennifer Grasso at jgrasso@townofpembrokemass.org for further instruction. Enrollment forms, rate information and plan material for coverages offered can be found below. Please note, enrollments and changes will not be accepted for existing employees unless it is during our annual open enrollment, due to a qualifying event or to enroll with a 457(b) or 403(b) plan provider. Please view the 457(b) and 403(b) section below for further instruction.
Availability of Summary Health Insurance As an employee, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in the case of illness or injury. Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format, to help you compare options. The SBC's are available on this page below or you can request one free of charge by calling the Treasurer's Office at 781-293-3893. |
FY 2025 Health & Dental Rates
Disclosure Notices
Health Insurance
- BCBS PPO Rate Saver E-kit & Summary of Benefits and Coverage (SBC) (click here for a brief informative video presentation of this plan)
- BCBS Enrollment Form (complete & sign the bottom of the form - must be returned to the Treasurer's Office for processing)
- MMHG Employee Manual (sign & return with Enrollment Form to the Treasurer's Office)
- BCBS HMO Rate Saver E-kit & Summary of Benefits and Coverage (SBC) (click here for a brief informative video presentation of this plan)
- BCBS Enrollment Form (complete & sign the bottom of the form - must be returned to the Treasurer's Office for processing)
- MMHG Employee Manual (sign & return with Enrollment Form to the Treasurer's Office)
- Harvard Pilgrim HMO Rate Saver E-kit & Summary of Benefits and Coverage (SBC)
- HP Enrollment Form (please complete for the HP HMO plan - must be returned to the Treasurer's Office for processing)
- MMHG Employee Manual (sign & return with Enrollment Form to the Treasurer's Office)
Dental Insurance (offered to actively working benefit eligible employees)
- Enrollment/Change/Cancellation Form (complete & sign bottom of the form - must be returned to the Treasurer's Office for processing)
- Find a Dentist (please choose Delta Dental Premier when searching for a provider)
***Please note this benefit is not available during the FY 2025 open enrollment***
Life Insurance (basic & voluntary coverage offered to new employees & benefit eligible employees during specified open enrollment periods only)
- Monthly Rates (for increments & rates above the guaranteed issue amount of $150k, please email Jennifer at jgrasso@townofpembrokemass.org)
Cafeteria Plan Advisors (CPA) Flexible Spending Accounts (FSA) (employees can contribute pre-tax funds for eligible expenses and services) * Please contact Cafeteria Plan Advisors at 781-848-9848 or email info@cpa125.com, M-F 8:00am - 4:30pm, with new or re-enrollment questions or if you need assistance logging into your existing account.
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Plan Information, Benefit Card Flyer, FSA Shopping Link & Coupon Code
- Enrollment Form (form can be returned directly to CPA but please confirm submission if confirmation is not received)
- Dependent Care Claim Form (must submit with bank account information listed for funds to be deposited)
Additional programs & services available to employees
Employee Assistance Program (EAP) (free confidential service offering assistance to all active employees and their families)
- Public Safety EAP - click here to view a quick orientation video of discounts and services offered through Public Safety EAP
- Educators' EAP - click here to view a quick orientation video of discounts and services offered through Educator's EAP
- TotalCare EAP - click here to view a quick orientation video of discounts and services offered through TotalCare EAP
Learn to Live (L2L) (free confidential online therapy program for all employees and retirees, which uses cognitive behavioral therapy techniques (CBT) to cope with stress, anxiety, substance use, social discomfort and trouble sleeping)
SmartShopper Incentive Program (available to BCBS members only, shop high quality lower cost services to receive a reward)
CanaRx (mail order prescription drug program for members taking brand name medications)
Deferred Compensation Options 403(b) & 457(b) Plans
- 403(b) Approved Vendor List for School Employees (please visit US OMNI for additional information or reach out directly to one of the 403(b) representatives listed to establish an account or rollover funds from a different school district)
- 403(b) IRS Contribution Limits
- US OMNI Salary Reduction Agreement Form (must be used to change deferral amount on 403(b) accounts)
- 403(b) IRS Contribution Limits
- 457(b) Approved Vendor List for Town Employees (please email or contact a 457 representative from this list to enroll or change your deferral amount)