The Massachusetts/MOSES Health and Welfare Trust manages the MOSES represented employees Dental and Optical benefits plans.  Every employee in a MOSES represented position is eligible to participate in one of the three available plans.  Coverage runs from January 1 to December 31 every year and there is an open enrollment period at the end of each year to allow plan members to change plans.

Informative Guides

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Dental/optical reimbursement requests for services rendered during calendar year 2025 must be postmarked no later than June 30, 2026 in order to receive full reimbursement. Requests postmarked in July will be penalized 20%. Any request postmarked after July 31, 2026 will not be processed. Follow the instructions on the reimbursement form. You must answer all questions and provide all required information and attachments.

Submit your claim to:

Massachusetts/MOSES Health and Welfare Trust Fund
P.O. Box 8099
Boston, MA 02114

The Administrator of the Health and Welfare Trust, who processes both Open and Closed Plan claims, is Tom Prendergast.

You can reach Tom Prendergast by mail at the above address, by email at: HWTAdmin@moses-ma.org or by phone at 617-367-2727 x 322

If you did not receive a reimbursement form and think you are eligible for benefits, please call the MOSES Office (617) 367-2727. If you received a reimbursement form and need another one, also please call the MOSES Office (617) 367-2727

TABLE OF CONTENTS 

• Eligibility
• Open Plan
• Closed Plan: Altus Dental
• Optical Benefits
• COBRA Benefits

ELIGIBILITY

An employee, spouse and children are eligible for dental/optical coverage under one of the available plans immediately upon hire in a MOSES represented position.  The age at which eligibility for children ends depends on the plan chosen; please refer to the different plans for additional information on this matter.

OPEN PLAN

​Under the Open Dental Plan, members can go to any legally qualified dental professional and be covered for dental work other than bleaching or similar services.  There is no co-insurance charge but there are limitations on reimbursements as described in the Plan Details.  Open Plan members are required to pay for services provided.  At the end of each plan year new reimbursement forms are sent to every eligible member and reimbursement forms are then submitted with copies of paid receipts to the Plan Administrator who reviews and processes the reimbursement requests and mails reimbursement checks to Plan members based on approved reimbursable expenses.

New employees are placed in the Open Plan unless they specifically request enrollment into the Closed Dental Plan.

CLOSED PLAN: Altus Dental

Over 5,000 dentists in Massachusetts, New Hampshire and Rhode Island accept Altus. You may also go to dentists that don’t participate in Altus – however, if you do this you will not be taking advantage of the in-network discounts that Altus negotiated with participating dentists, and you may be balance billed.

Under this plan, during 2026, you pay a co-premium to the Trust of $2.00/week for an individual plan, $6.00/week for one + one and $11.00/week for a family of 3 or more.  Dependent children are included until age 26 regardless of student status.  You must contact Tom Prendergast at tprendergast@moses-ma.org if you wish to enroll in this plan.  If you choose Altus Dental, you are also eligible for optical benefits.  Please see the plan listed further down on this page.

You may visit www.altusdental.com to find dentists that accept this plan. There are co-payments necessary for some services and some dental procedures are not covered. You may also contact Altus Dental with questions at (877) 223-0588.  If you do call, the MOSES Altus Dental Group number is 6005-0001.

Click here to view details of the 2026 Altus Plan benefits

OPTICAL BENEFITS

Optical Benefits with the Open Plan: Optical expenses that are part of the reimbursement formula are subject to certain limitations. For example, during calendar year 2025, the maximum optical expenses covered under the formula is $2,000.00. Eyeglasses are limited to $500.00 per pair and contact lenses are limited to $375.00 per person per year. Laser treatment during 2025 is covered up to $450.00 per person. Inter-ocular lenses added during a GIC approved cataract surgery are covered under the formula up to $450.00. Eye exams are increased this year to a maximum of $100.00 per visit.  As in the past, sports goggles, medicines, vision therapy, eye training, surgery, and non-prescription glasses are NOT covered.

Optical Benefits with the Closed Plan (Altus Dental): If you choose the Altus Dental Plan, allowed optical expenses are the same as the Open Plan, however, optical reimbursements are at 75% of the amount covered and your maximum optical reimbursement has been increased from $900.00 per year to $1,500.00 for calendar year 2025.  As in the past, sports goggles, medicines, vision therapy, eye training, surgery, and non-prescription glasses are NOT covered.

COBRA Benefits

The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) provides a procedure by which a former employee and/or ineligible dependent of a present employee may continue coverage, for a limited time, upon payment of an appropriate fee.

To receive benefits under COBRA you must apply in writing to:

Administrator Massachusetts/MOSES Health and Welfare Trust Fund
90 North Washington ST, FL 3
Boston, MA 02114

(Application must be made within 60 days of your eligibility for extended coverage, or the eligibility of your dependent(s) as detailed above)

2025 MASSACHUSETTS/MOSES HEALTH AND WELFARE TRUSTEES

Commonwealth (Management)	MOSES
Matthew Hale, HRD, Chair	Michael Galvin, DCR, Co-Chair
James Norton, MassDOT	Jessica Leger, POL, Co-Chair
Chris Groll, DHCD	Allen Bondeson  MassDOT
Ivana McGrail, MWRA	Michael Strangie,  MWRA
Martin Roach, EOHHS	Paul Donohue, Retiree, Alternate
	Patrick Russell, MWRA, Alternate