MIT offers two health plan options.
Explore the plans:
- Blue Cross Blue Shield (BCBS) PPO+ Health Plan
- Blue Cross Blue Shield (BCBS) High Deductible Health Plan
Compare the plans:
- See our FAQs
- Review our health plan comparison chart
- Review the 2024 Benefits Brochure
- See plan premiums
The MIT Traditional and MIT Choice Health Plans have been discontinued.
Using the Plans
You are eligible for health plan coverage if you are paid by MIT, are appointed to work at MIT for at least three months, and work at least 50% of the normal full-time work schedule.
Tiers of coverage
When you select one of the health plans offered through MIT, you must also choose who will be covered by your plan.
- Choose Individual if you only need to cover yourself.
- Choose Employee + Spouse to cover yourself and your spouse or domestic partner.
- Choose Employee + Child(ren) to cover yourself and your child(ren) if you are a single parent or your spouse/domestic partner is covered under another plan.
- Choose Family to cover yourself, your spouse/domestic partner, and your child(ren).
Who is eligible
- you have been appointed—and are currently employed—to work at MIT for at least three months
- you work at least 50% of the normal full-time work schedule
- you are paid by MIT
- you meet the criteria above and have a visiting appointment of at least three months
- you have a postdoctoral fellowship appointment of at least three months and you want to continue your existing MIT health plan coverage
Who is NOT eligible
- teaching or research assistant (see graduate student benefits)
- honorary lecturer
- summer appointment
- international visiting student
- member of the armed services assigned to MIT
- family member who is not employed by MIT
- work-study student
- paid by MITemps
Members of collective bargaining units
All the plan provisions are subject to the terms of your collective bargaining agreement.
How to enroll
Sign up when you begin work at MIT
Use Atlas to enroll in your health 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. When enrolling a spouse or partner or dependent(s) in health plan coverage, you must provide appropriate documentation (e.g., a marriage license or birth certificate) to MIT Benefits.
When you make your benefit elections as a new employee, you also have the opportunity to enroll eligible dependents in MIT’s health plan. You will need to provide proof of eligibility when you add dependents to your benefits coverage. This process is simple and straightforward. Shortly after you enroll a dependent in your benefits, you will receive a letter at your home address from MIT Benefits. This letter will ask you to submit specific documents demonstrating that your newly enrolled dependent are eligible to receive benefits coverage under MIT’s health plan and will explain how to do so. The types of acceptable documents vary depending on your relationship to your dependent. Learn more.
As a result of federal health care reform, MIT is also required to report the tax identification numbers (TIN) of each employee and family member with MIT health plan coverage. A TIN may be a Social Security number, Individual Taxpayer Identification number, or Taxpayer Identification number for Pending U.S. Adoptions.
How to change your coverage
To cancel or make a change to your MIT Health 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 health care benefits outside the Open Enrollment period.
When you make a change because of a qualifying life event
- your change must be consistent with your life event (such as adding coverage for a new spouse/domestic partner)
- your change will be effective on the date of the qualifying event
- you must return the Health/Dental/Vision Plan Enrollment/Change Form (available below) to MIT Benefits within 31 days of the event—or within 60 days of change in Medicaid status
- you must provide appropriate documentation (e.g., a marriage license or birth certificate)
Find out which life events qualify you to make changes to your benefits—and the time frame for making those changes.
Why the period for making changes is limited
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.
All MIT Health Plan members will receive new ID cards by January 1, 2024. You must present your ID card when you see any providers in 2024 or your claims will not be processed correctly and will result in your provider’s office sending you a bill.
Additional Plan Benefits
Mental health and substance abuse benefits
Members of the MIT health plans are covered for visits to both in- and out-of-network mental health providers, though out-of-pocket costs will be lower if you see an in-network provider. You do not need an authorization or referral to begin necessary outpatient mental health care.
You can use the Blue Cross Blue Shield of Massachusetts website to find behavioral health providers who participate in the network for your plan.
MyLife ServicesMIT provides MyLife Services as an employee benefit for faculty, staff, postdoc associates and postdoc fellows, and household members. MyLife Services provides up to four free and confidential counseling sessions per person, per concern, with a licensed mental health professional. If you or your household member choose to continue seeing a mental health professional for an ongoing concern after those four sessions, you may use your health insurance coverage; copayments, coinsurance, or deductible charges may be required.
Using MIT Health Services
Out of area and international travel coverage
The MIT health plans cover transportation (automobile, airplane, train, or bus) and lodging expenses up to an annual benefit maximum of $5,000 for covered services. This coverage is provided when access to covered services is not available within 100 miles of the member's residence at the time the service(s) is needed, and the member must travel to an in-network provider for the covered services.
The MIT health plans cover additional benefits including weight loss and fitness reimbursements, mind and body reimbursements, Applied Behavior Analysis (ABA) Services for covered dependents to treat autism spectrum disorders (ASD), Gender Confirmation Surgery (GCS) for the treatment of gender identity disorder, and more. Learn about these benefits.
Other health plans
- See our Retiree health plans.
- The MIT Affiliate Health Plan is available to MIT affiliate fellows, visiting scholars, visiting professors, and visiting scientists.
- MIT offers the Cigna Global Health Benefits plan for faculty and staff and their dependents who live overseas.
Need Help or Have Questions?
For plan benefits or enrollment
|MIT Health Member Services
|Blue Cross Blue Shield of MA
|Blue Cross Blue Shield
Related Documents & Forms
Return this form to MIT Benefits in NE49-5000.