Health Plans

Health Plans

MIT offers three health plan options: The MIT Traditional Health Plan, the MIT Choice Plan, and the MIT High Deductible Health Plan.

Eligibility

You are eligible for health plan coverage if you are paid by MIT, 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 on eligibility.

Find the Plan That Works for You

See Plan Details

Learn more about the MIT Traditional Health Plan, MIT Choice Plan, or the MIT High Deductible Health Plan.

Enrollment and Making Changes

Find out how to enroll in a plan or change your existing plan.

Choosing a PCP

The MIT Traditional Health Plan and the MIT Choice Plan require that you choose a Primary Health Provider (PCP). Learn more about choosing a PCP.

Using MIT Medical

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.

More Health Plan Benefits

The MIT health plans cover Applied Behavior Analysis (ABA) Services for covered dependents from age three through age six to diagnose and treat autism spectrum disorders (ASD) with a pre-authorization from Blue Cross Blue Shield. The MIT health plans also cover Gender Confirmation Surgery (GCS), also known as Gender Reassignment Surgery (GRS), for the treatment of gender identity disorder. Learn more about these benefits. 

Retiree Health Plans

Learn about the health plans offered to retirees.