MIT offers eligible employees a wide range of health and medical plans that cover most types of care. You will not be excluded from any of the plans offered by the Institute because of pre-existing conditions.
You can help moderate the increase in cost for both you and MIT.
All benefits-eligible faculty and staff are eligible to use certain clinical services at MIT Medical, including urgent care, eye, radiology, and laboratory services. If you are enrolled in an MIT-sponsored health insurance plan, you'll be charged a $10 copayment for most services at MIT Medical. If you aren't enrolled in an MIT-sponsored plan, your benefits are determined by your individual coverage, and you may be billed for any copayments, co-insurance, or non-covered services.
All employees and their dependents must choose a primary care provider (PCP) when they enroll in the MIT Traditional or MIT Choice plans. Your PCP manages all aspects of your health care and is your key resource when you have questions about your health. Learn how to choose or change your PCP.
You can avoid a copayment for high-tech imaging such as a CT scan, MRI, or PET, at facilities such as Shields MRI or Coolidge Corner Imaging. Consider using one of these facilities instead of a hospital since the cost at one of these facilities is generally one third less for MIT than the same service at a hospital.
The high-tech imaging copay will be waived for both members of the MIT Traditional and the MIT Choice Plan if services are received at one of these preferred provider facilities with a referral from your PCP. If you visit any other provider for these tests, you will pay a $50 high-tech imaging copay, up to a $250 per person calendar year maximum.
Check with your primary care provider or specialist for a referral to one of these providers.
You are eligible to pay a copayment of $10 for your health care visits when you choose a PCP from the providers at MIT Medical, either in Cambridge or Lexington.
If you or any of the family members covered under your plan choose a PCP from the HMO Blue New England Network, you will pay a $20 copayment for healthcare visits. The maximum you would pay in copayments for the year is $1,200 per member. This amount is the total of copayments that you pay for non-MIT Medical primary care providers, OB/GYN physicians, and specialists.