Employee Insurance


HMO Network Blue New England
HMO Select
PPO Blue Care Elect  

When the active employee nears age 65, they must file with Social Security Administration for Medicare Part A only, which is free hospitalization coverage, to avoid any financial penalty later.  It is required that you file for qualification of medical benefits upon reaching age 65 and provide Blue Cross and Blue Shield a copy of your Medicare eligibility.  It is recommended that the employee file up to 4 months before their 65th birth month to avoid delays. To file for Medicare benefits call 1-800-772-1213 for a phone interview, call your local office for an appointment - Lowell is 1-877-746-9850 or go online at www.ssa.gov.  The employee and family members may remain on their HMO or PPO while still employed. 

Upon retirement, the Town of Chelmsford requires the retiree at age 65 to accept Medicare Part A (hospital)  and Part B (medical) to continue with Town offered supplemental insurance to Medicare benefits.  In the rare case a retiree does not qualify for Medicare Part A - the Town of Chelmsford will pay the cost of Part A and penalties associated for the retiree to become eligible. The retiree is responsible for paying the Medicare Part B monthly premium directly to Social Security Administration.  See the Retiree Benefits page for details about supplemental health insurance and prescription drug coverage offered by the Town of Chelmsford. 

 Blue Cross Blue Shield E-Kit with Health Plan Summaries