You are eligible for vision plan coverage if you are paid by MIT (unless Postdoctoral Fellow), are appointed to work at MIT for at least three months (a postdoctoral fellow must have a fellowship appointment of at least nine months), and work at least 50% of the normal full-time work schedule. MORE
The optional MIT Vision Plan covers the cost of vision care hardware—eyeglasses or contact lenses—through EyeMed Vision Care. The plan is intended to supplement the eye health care (such as checkups and doctors' visits) provided by MIT health plans.
When you enroll in the plan, you can obtain services either through EyeMed's network of providers (MIT is part of the "Select" network) or through an independent service provider. You generally will receive a higher level of reimbursement if you obtain services within the EyeMed network. Compare in-network and out-of-network reimbursement levels with the Vision Plan Comparison Chart and Vision Plan Rate Chart to decide if the plan makes sense for you.
Tiers of coverage
When you enroll in the MIT Vision Plan, you also choose who will be covered by your plan.
MIT's policy is the same for domestic partners as it is for married spouses and their eligible dependent children. You and MIT share the cost of coverage for your spouse/domestic partner and/or any eligible dependent children. You should be aware, however, that the Internal Revenue Service (IRS) imposes certain financial and tax regulations on health insurance costs in domestic partnerships. Read more (PDF).
Members of collective bargaining units
All the plan provisions are subject to the terms of your collective bargaining agreement.
Sign up when you begin work at MIT. Visit Atlas to enroll in the vision plan coverage within 31 days of your date of hire or appointment—or within 31 days of the date you receive your official Welcome Letter, whichever is later.
Sign up during Open Enrollment. If you do not return enroll within this 31-day period, you must wait until the next annual Open Enrollment period, which takes place in the fall.
Enroll as a result of a life event. If you experience a change in your life that has an impact on your benefits, you can enroll outside the Open Enrollment period. Learn more.
To cancel or make a change to your MIT Vision Plan coverage, use Atlas during the annual Open Enrollment period.
If you experience a change in your life—marriage, partner's job loss, disability, new baby, change in Medicaid status or insurance coverage—you can make changes to your vision care benefits outside the Open Enrollment period.
When you make a change because of a qualifying life event
Find out which life events qualify you to make changes to your benefits—and the time frame for making those changes.
Most of the benefits plans offered through MIT are paid with pre-tax dollars. In exchange for this tax advantage, you are prohibited from enrolling in, canceling, or making changes to those plans outside the annual Open Enrollment period, unless you experience a qualifying change in your work or family life.
|Vision Plan—2014 Member Benefits
(Group Number 9826959 - part of the "Select" network)
|In Network Member Costs||Out-of-Network Reimbursement|
|$0 co-pay; $140 allowance plus 20% discount on balance over $140||$82|
|Standard Plastic Lenses|
|Single Vision||$10 co-pay||$42|
(Add-on to Bifocal)
|Premium Progressive||$75, 80% of charge less $120 Allowance||$78|
|Tint (Solid and Gradient)||$15||N/A|
|Standard Scratch Resistance||$15||N/A|
|Standard Anti-Reflective Coating||$45||N/A|
|Polarized||20% off retail price||N/A|
|Other Add-Ons and Services||20% off retail price||N/A|
|Contact Lenses (Materials Only)|
|Conventional||$150 allowance plus 15% discount on balance over $150||$120|
|Disposable||$150 allowance; member is responsible for balance over $150||$120|
|Medically Necessary||Paid in full||$200|
|Laser Vision Correction|
|Lasik or PRK from U.S. Laser Network||15% off retail price or 5% off promotional price||N/A|
|Additional Pairs Discount|
|Members also receive a 40% discount off complete pair eyeglass purchase and 15% off conventional contact lenses once the funded benefit has been used.||N/A|
|Glasses(frames and lenses)||Once every 12 months||Once every 12 months|
|Contact Lenses||Once every 12 months||Once every 12 months|
|Important: You have the choice of glasses or contact lenses, but not both.|
NOTE: Members will receive a 20% discount on items not covered by the plan at network providers. This discount may not be combined with any other discounts or promotional offers. The discount does not apply to EyeMed providers' professional services, or to contact lenses.
Members also receive a 40% discount on a pair of prescription sunglasses and a 15% discount on conventional contact lenses once the funded benefit has been used.
This plan is offered with the EyeMedSelect panel of providers. For more information, contact 888-4-EYEMED or (866) 299-1358 or www.eyemedvisioncare.com. Out-of-network benefits are also available. MIT Optical is not part of the network; however, MIT Optical does offer discounts on glasses to employees. In addition to the discount at MIT Optical, if you do have the vision care plan you can then submit a receipt to EyeMed for out-of-network reimbursement.