Active Emplyee Benefits

Employee Benefits 07/01/2025 - 06/30/2026

LS Employee Benefits Guide


HARVARD PILGRIM HEALTH CARE (3 Plans):

HMO with HSA
HMO with HSA Benefits and Coverage

Focus Network MA HMO
Focus Network MA HMO Benefits and Coverage

HMO
HMO Benefits and Coverage

Harvard Pilgrim Insurance Rates and Enrollment Form:
*Medical Plan Rate Contribution 07/01/2025 - 06/30/2026
*Harvard Pilgrim Enrollment Form 

Disclosure Notice:
*Medicare Part D Creditable Coverage Disclosure Notice 

ALTUS DENTAL:
Altus Dental Benefits and Coverage
*Altus Dental Enrollment Form 

ALTUS VISION:
Altus Vision Benefits and Coverage
*Altus Vision Enrollment Form 

CAFETERIA PLAN ADVISORS - FLEXIBLE SPENDING (FSA):
*FSA Store 
Flexible Spending (FSA) Cafeteria Plan Documents

HEALTHEQUITY (HSA):
*HSA Store
HSA Documents


403(b):
403(b) plan (tax-sheltered annuity plan or TSA) is a retirement plan.
Link to 403b Providers TSA Consulting Group: LS 403b Providers through TSA Consulting Group 

*403(b) Plan Participation Guide 
*403(b) Meaningful Notice - Plan Summary 2025 
*403(b) Annual Retirement Benefits Guide 2025
*403(b) Enrollment Form 
*403(b) Distribution Information 
*IRS Notice 2023-62

457:
The Massachusetts Deferred Compensation 457 SMART Plan is a retirement savings program available for Commonwealth of Massachusetts state and municipal employees. Eligible employees can save and invest before-tax and after-tax dollars through salary deferrals into our wide array of low fee investments options.
*457 Smart Plan
*457 Territory Map for Representative contacts