Benefit Information

Plan Year FY2026 (7/1/25 to 6/30/26)

Health Insurance Information

When making insurance enrollment decisions, always consult your healthcare provider and ensure they are within the specific plan’s network or click the "Find a Provider" link below. You may also reach out to the insurance carriers directly, via the Member Services number below, to ask specific coverage questions under the plans offered by the Town. Mention that you are a "prospective member" and be ready to reference the specific Plan Name as specified below. If you need further assistance or clarification, please reach out to your HR Department and we may be able get further information from our Insurance Account Representative on your behalf.

Where to Submit Enrollment Materials
Town Employees: enrollments@needhamma.gov
School Employees: Upload securely via TalentEd Records (or contact to HRPayrollHelpDesk@needham.k12.ma.us for instructions)
Not Enrolling in Health Insurance? Please complete a Declination Form and submit to your Human Resources Department.

FY26 Virtual Overview Session Recordings

Health Insurance Rates	FY26 Health Insurance Plan Comparisons
FY2026 Health Plan Rates	High Deductible Health Plans Benchmark Health Plans
FY25 vs. FY26 Rate Changes	All Health Plans

Health Insurance Rates

FY26 Health Insurance Plan Comparisons

FY2026 Health Plan Rates

High Deductible Health Plans

Benchmark Health Plans

FY25 vs. FY26 Rate Changes

All Health Plans

Blue Cross/Blue Shield
High Deductible Health Plan Plan Name: Access Blue New England Saver Enrollment Form Enrollment Form - Spanish Summary of Benefits Summary of Benefits & Coverage Rx Formulary Guide CVS Caremark - Mail Service Order Form	Benchmark Health Plan Plan Name: HMO Blue New England Enrollment Form Enrollment Form - Spanish Summary of Benefits Summary of Benefits & Coverage Rx Formulary Guide CVS Caremark - Mail Service Order Form
High Deductible Health Plan - Limited Network Plan Name: Access Blue New England Saver Select Enrollment Form Summary of Benefits Summary of Benefits & Coverage	Benchmark - Limited Network Plan Name: HMO Blue New England Select Enrollment Form Summary of Benefits Summary of Benefits & Coverage
Member Services: 1-800-782-3675 BCBS Website: Find a Provider Fitness Reimbursement Form MyBlue Member App Fact Sheet

Blue Cross/Blue Shield

High Deductible Health Plan

Plan Name: Access Blue New England Saver

Benchmark Health Plan

Plan Name: HMO Blue New England

High Deductible Health Plan - Limited Network

Plan Name: Access Blue New England Saver Select

Benchmark - Limited Network

Plan Name: HMO Blue New England Select

Member Services: 1-800-782-3675

BCBS Website: Find a Provider

Fitness Reimbursement Form

MyBlue Member App Fact Sheet

Harvard Pilgrim Health Care
High Deductible Health Plan Plan Name: Best Buy HSA HMO Enrollment Form Summary of Benefits & Coverage Schedule of Benefits	Benchmark Health Plan Plan Name: ChoiceNet HMO Enrollment Form Summary of Benefits & Coverage Schedule of Benefits	PPO Health Plan Plan Name: PPO Enrollment Form Summary of Benefits & Coverage Schedule of Benefits
Member Services: 1-888-333-4742 HPHC Website: Find a Provider

Health Savings Account (HSA) Info
HSA Enrollment Form
HSA Guidebook
Health Equity Plan Comparison Tool
General Info on HSA/QHDHP

Health Insurance Opt-Out Program
Program Requirements (PDF)
Opt-Out Form

Supplemental Benefit Information

Dental, Vision, & Basic Life Rates

FY26 Rate Chart - Effective July 1, 2025

FY25 Rate Chart - Effective July 1, 2024

Boston Mutual
Basic/Voluntary Life Insurance application
Voluntary Term Life Insurance Rates
Evidence of Insurability Form
Life Insurance EOI HIPAA Release

Delta Dental
Delta - Low Plan Enrollment Form Plan Summary	Delta - High Plan Enrollment Form Plan Summary
Delta Dental: Right Start 4 Kids Delta Dental: Rollover Maximum
Member Services: 1-800-872-0500 Delta Dental Website: Find a Provider

EyeMed Vision Insurance
Plan Name: Insight Enrollment Form (Vendor only allows 1st of the month enrollments) Plan Summary
Member Services: 1-888-4-EYEMED EyeMed Website: Find a Provider