Retiree Health Plans (Under Age 65)

Retiree Health Plans (Under Age 65)

MIT offers three health plan options to retirees and subscribers under the age of 65 — the MIT Traditional and MIT Choice plans, which are available to active employees, as well as the the Blue Care Elect Preferred PPO plan (not offered to active employees and described below).

Health Plan Options for Retirees and Subscribers Under the Age of 65

Plan Rates

Blue Care Elect Preferred (PPO)

What You Should Know

  • No copayments for some preventive care services as long as those services are provided by a preferred provider. (See below.)
  • Copayments for some outpatient services are $25.
  • There is a $100 copayment for each visit to the emergency room (waived if admitted or for observation stay and regardless of whether you are in or out-of network).
  • There is a $50 copayment for high-tech imaging services received by a preferred provider.

This a nationwide plan designed to give you the highest level of benefits when you obtain services from preferred providers. These are called your "in-network" benefits. You can also obtain covered services from non-preferred providers, but your out-of-pocket costs are higher. These are called your "out-of-network" benefits.

For more information regarding how the Blue Care Elect Preferred (PPO) Plan works, refer to the Summary of Benefits (below).

Retirees Under Age 65 - 2017 Monthly Rates

Health Plan Individual Family
MIT Traditional Health Plan $663 $1,723.80
MIT Choice Plan $683 $1,775.80
Blue Care Elect Preferred (PPO) $713 $1,853.80