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 FY24 are:                            Monthly Premiums for FY25 are:
HMO

     Individual      $169.59                                                 Individual       $186.28
     Family            $420.18                                                 Family             $461.50                             
PPO

     Individual      $230.97                                                Individual       $253.69
     Family            $576.33                                                Family             $633.01        


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.
*There are no changes to the FY25 dental premiums.
Employee pays 100% of premiums.
Monthly Premiums for FY24 are:                            Monthly Premiums for FY25 are:
     Individual      $42.25                                                  Individual        $42.25
     Double           $90.02                                                 Double             $90.02
     Family            $125.96                                                Family              $125.96

Vision Insurance
The Town offers vision insurance through VSP Vision.
*There are no changes to the FY25 vision premiums. However, we have added a new vision coverage option.
Employee pays 100% of premiums.
Monthly Premiums for FY24 are:                             Monthly Premiums for FY25 are:
Option 1:                                                                       Option 1:
     Individual     $7.43                                                     Individual          $7.43

     Double          $10.77                                                    Double               $10.77
     Family           $19.31                                                     Family                $19.31
Option 2:                                                                      Option 2:
Not Offered                                                                     Individual           $10.76
                                                                                          Double                $15.60
                                                                                          Family                 $27.98

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.