Full-Time Employee Benefits

Flexible Benefits Plan

The Town offers a Flexible Benefits Plan (Section 125 Plan, also known as "Cafeteria Plan"), which is not an insurance plan but an IRS approved program to purchase insurance with pre-tax earnings. It allows eligible employees to purchase group insurance (health, dental and life) and pay the premiums with payroll deductions before income tax is calculated. It also offers two separate Flexible Spending Accounts: a Medical Expense Account and a Dependent Care Account, which allows employees to pay for out of pocket medical expenses or Childcare and Eldercare expenses with pre-tax earnings.

For more information on this plan please contact Lynne Frederick, Assistant Town Treasurer, at 413-596-2800, Ext. 207.

Benefits Book

Review the current Benefits Book (July 1, 2025 through June 30, 2026) (PDF).

CANARX

CANARX is a voluntary international mail order prescription program available to eligible employees, non-Medicare eligible retirees and their dependents enrolled in a health plan with the Scantic Valley Regional Health Trust (SVRHT).  More information about this program can be found here CANARX CANARX CANARX CANARX CANARX CANARX.

Health Insurance

The Town offers the following plan options for active employees and retirees who are not eligible for Medicare: 

• Harvard Pilgrim 
  • Harvard Pilgrim Best Buy HMO
    • Harvard Pilgrim Schedule of Benefits Best Buy HMO
  • Harvard Pilgrim HMO
    • Harvard Pilgrim Schedule of Benefits HMO
  • Harvard Pilgrim Open Enrollment Member Guide
  • Click here                to find Harvard Pilgrim providers
  • Harvard Pilgrim Prescription Drug Coverage                                        
  • Harvard Pilgrim Enrollment Form
• Blue Cross and Blue Shield 
  • Network Blue NE (PDF)
  • Blue Care Elect PPO (PDF)
  • BCBS 20/20 Vision & Hearing Plan Information & Enrollment Forms (PDF)
    • Click here                to view a video presentation about the vision plan!
    • BCBS 20/20 enhanced vision coverage information for children 19 and under can be found here              
  • BCBS Enrollment Form (PDF)/D
  • Well Connection - Telehealth Care
• Health New England Scantic Valley Exclusive HMO 
  • Health New England HMO Summary of Benefits & Coverage(PDF)
    • HNE Benefits Chart
    • HNE Wellness Reimbursement Plans
    • HNE Teladoc
  • HNE Enrollment Form (PDF)

Following are a Premium Rate Schedule and a Plan Comparison Chart to assist employees and retirees in determining which is the best option for them and their families:

• Health Insurance Rates FY 2025 (PDF)
• Health Plan Comparison Chart FY 2026 (PDF)

Please Note: The SVRHT voted to waive the co-payments for high technology imaging services when employees select from non-hospital imaging centers from on these lists:

• BCBS Non-Hospital Imaging Centers (PDF)
• HNE Non-Hospital Imaging Centers (PDF)

The Patient Protection and Affordable Care Act (ACA), Health Care Coverage Options under the Health Insurance Exchanges

The Patient Protection and Affordable Care Act (ACA) requires the Town to provide each of its employees with a formal Notice (PDF) of the health care options that will be available to individuals under the Health Insurance Exchanges that the ACA requires each state to establish. In Massachusetts, the Exchange is known as the "Health Connector".

Your Privacy

The Town of Wilbraham is a member of the Scantic Valley Regional Health Trust (SVRHT), a joint purchasing group. SVRHT contracts with Group Benefits Strategies (GBS) to administer the health insurance program for the member communities. Even for self-insured plans, the Town of Wilbraham does not directly pay for services and does not receive Private Health Information (PHI). The Town of Wilbraham may ask the employee’s permission to receive such information in certain circumstances, for instance when reimbursing an employee for expenses from a Medical Flexible Spending Account. 

If you have any concerns or questions, please contact Human Resources at (413) 596-2800, Ext. 222. 

Dental Insurance

Dental Insurance is offered through Blue Cross Blue Shield:

• Dental Blue Program (PDF)
• Dental Services for children under 13

Fiscal Year 2026 dental premiums:

Employee pays 100%, bi-weekly payroll deductions:

• Individual Coverage: $26.26 bi-weekly
• Family Coverage: $76.66 bi-weekly

Boston Mutual Life Insurance Options

The Town of Wilbraham offers many insurance options through Boston Mutual.  To see an overview of all the options, please review the flyer here Version OptionsFull-Time Employee BenefitsHeadline Boston Mutual Life Insurance Options Boston Mutual Life Insurance Options.

To learn more about each of the options offered, please select the option(s) of interest:

Basic Life, Whole Life, Accident, Critical Illness, Long Term Disability, Voluntary Life & Accidental Death & Dismemberment

Good Health Gateway Diabetes Care Rewards Program

The Scantic Valley Regional Health Trust is committed to helping their health plan members living with pre-diabetes or any type of diabetes improve their overall health and wellbeing.  For more information about the Rewards Program, please click here Version OptionsFull-Time Employee BenefitsHeadline Good Health Gateway Diabetes Care Rewards Program Good Health Gateway Diabetes Care Rewards Program.

Employee Assistance Program

The Town of Wilbraham offers an Employee Assistance Program to all employees.  All services are at no cost to the employee, confidential, and available to employees and their family members.  A wide range of services are available including: Counseling, Work/Life Resources, Legal & Financial Resources, Life Coaching, Personal Assistant, Critical Incident Response, and Medical Advocacy.  To learn more about this program, please click here Version OptionsFull-Time Employee BenefitsHeadline Employee Assistance Program Employee Assistance Program