See below for answers to Frequently Asked Questions from employees on the Institute response to COVID-19.
How have the CARES Act and other recent COVID regulations impacted MIT’s Flexible Spending Accounts?
The CARES Act extended the list of Health Care FSA qualified expenses to include additional over-the-counter medications and products.
On April 3, 2020, MIT Benefits communicated the extension of the 2019 reimbursement window for Health Care and Dependent Care FSA claims from April 30, 2020 to May 31, 2020. Due to new regulations, that reimbursement window has now been extended to 60 days after the end of the President’s declaration of a national pandemic or another time period as designated by the IRS. As of now, no end date for the national pandemic has been declared.
For the 2020 plan year and future plan years, the carryover amount for the Health Care FSA is $550 (the carryover for the 2019 plan year is $500).
Can I reduce or cancel my Health Care and/or Dependent Care Flexible Spending Account contribution?
Recent regulations allow employees to revoke an election, make a new election, or decrease or increase an existing Health Care or Dependent Care FSA election on a prospective basis only. Employees cannot reduce their election to less than what has already been contributed and/or has been reimbursed. For example, during open enrollment, you made an annual Health Care FSA election of $2,000. As of 06/01/2020 you have contributed $900 and have been reimbursed $1,300. You cannot reduce your health FSA election to less than $1,300.
How do I access telehealth benefits?
Benefits eligible employees enrolled in one of the MIT medical plans have access to licensed doctors and providers for minor medical and behavioral health care services with $0 copays, using live video visits on your favorite device.
Blue Cross Blue Shield (BCBS) Well Connection telehealth video visits are secure. Board-certified physicians and licensed clinicians are required to provide patients with private, secure, HIPAA-compliant, and confidential online visits. Visit Well Connection to see if your physician is a telehealth provider.
You and your family members can visit doctors and providers anytime, anywhere in the United States, at home, work, or on vacation—weekends and holidays included. All you need is an internet connection and a smartphone, tablet, or computer with a webcam. Please visit our Well Connection page for more information.
Note for High Deductible Health Plans: The CARES Act, put into law on March 27, 2020, amends the rules applicable to HDHPs for plan years beginning on or before December 31, 2021 to allow HDHPs to cover telehealth and other remote care services before the applicable deductible is met. Out of network telehealth and other remote care services will be subject to the standard cost share per plan guidelines.
Are out of network telehealth visits covered?
I am enrolled in the MIT Traditional or MIT Choice Health Plan. I was previously seeing an out-of-network behavioral health provider via office visits. My provider has now switched to telehealth virtual visits temporarily due to the COVID-19 virus. Will the MIT Traditional and MIT Choice Health Plans still cover the visits if they are now out-of-network telehealth visits?
The MIT Traditional and Choice Plans will temporarily cover behavioral health out-of-network virtual visits, regardless of how the visit is conducted (telephonic or telehealth). The temporary coverage is outlined below:
- The MIT Traditional Plan will reimburse up to $60 per visit (the remaining cost is the responsibility of the member). This aligns with how out of network office visits are paid on the Traditional Plan currently. If the out of network telehealth visits are for COVID related treatment, the cost-share will be waived.
- The MIT Choice Plan will reimburse the cost per visit after the member’s deductible ($500 individual/$1000 family) has been met and the 25% coinsurance has been paid for the visit. If the out-of-network telehealth visits are for COVID related treatment, the cost-share will be waived.
The MIT Health Plans continue to cover behavioral health office visits (both in and out-of-network) as outlined in the current plan documents.
My in-network provider has switched from office visits to telehealth visits (not part of the BCBS Well Connection telehealth benefit). Will these visits be covered by my MIT Health Plan?
Blue Cross made a decision to allow all members access to telehealth services. Effective March 16, 2020, all members are covered for visits with in-network providers via telehealth temporarily with a $0 copay. This includes office visits offered over the telephone.
The easiest way to ensure that your telehealth visit is covered is by calling BCBS Member Services at 1-800-882-1093. The member services team can look up providers and determine if they are in the BCBS network based upon you’re the plan you are enrolled in.
Does BCBS offer a 24/7 Nurse Care line?
Members can reach a registered nurse 24/7 by calling 1-888-247-Blue (2583). This service is free to all members and offers a safe and convenient clinical resource.
Will Delta Dental be providing virtual services in case of emergency?
Delta Dental is working to provide solutions for members that may need an emergency dental consult and emergency dental care despite COVID-19 and the need for social distancing. Some dental offices have the capability to perform virtual evaluations via tele-dentistry.
Effective March 20, 2020, and for a period of 30 days, Delta Dental is requesting that dentists performing virtual evaluations submit these claims using the Oral Evaluation – Problem-Focused code (D0140). The service will be paid providing the patient has coverage/benefits available. Delta Dental has reminded providers to be mindful of patient privacy considerations when utilizing this technology.
Please feel free to contact Delta Dental Customer Service at 800-872-0500 with questions.
Will there be a change to the calendar year maximum reimbursement amount of $5,250 under the Tuition Assistance Plan?
The $5,250 calendar year maximum reimbursement amount under the Tuition Assistance Plan remains the same. Please continue to submit your tuition reimbursement requests as you normally do. Keep in mind that the reimbursement submission deadline is now 90 days from the end date of a course. More about the Tuition Assistance Plan.
How do I access a loan or hardship withdrawal from my 401(k) plan?
The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) introduces temporary relief provisions related to retirement plans. MIT 401(k) Plan participants have more freedom to access funds during the current economic crisis without tax penalties. See details.
Health and Wellness
Are MIT Community Wellness classes still available?
What are the Covid-19 testing requirements? What happens if there's a positive test result for myself, a member of my staff, or a colleague?
See the testing requirements and test result guidelines in the MIT Returning to Work on Campus FAQ.
I had a Covid-19 test at MIT Medical. Where can I find my test results?
Results will appear in the Covid Pass app/website in the Medical Test section.
Who should be working from home? Are we required to work from home?
MIT's phased approach to reopening campus emphasizes the health and safety of the community. DLCs are encouraged to continue remote work where it is possible. See details in the MIT Returning to Work on Campus FAQ.
I’m working remotely and caring for my children, who are home due to school/daycare closures. Am I expected to use vacation time for this?
No, you do not need to use vacation time. MIT has announced special policies related to leave and pay (MIT Touchstone login required) for both salaried and hourly employees. These policies take into account those of you working from home while caring for children or other family members. Your hours of remote work during this time may vary due to business needs (e.g., calls in the early morning or evening) and/or the employee’s own obligations (e.g., caring for children during normal working hours). For salaried staff, if they are able to do some work, they should simply be paid as usual.
Are there resources to help me manage my team remotely?
Yes. See our tips and resources for managing employees and teams when the members are working remotely.
What is the policy for an MIT-owned laptop or other equipment when it’s off campus? What happens if it’s stolen or damaged?
MIT’s Property Insurance Program provides coverage for MIT-owned equipment (e.g., desktops, laptops, printers) that is stolen or damaged when temporarily located at your home. Personal laptops and other personal equipment are not covered by MIT.
For further information on insurance coverage of MIT-owned equipment, see:
Will I be reimbursed for internet, phone, or other expenses related to working from home?
MIT does not pay or reimburse for phone or internet expenses.
Will free on-campus parking be available for returning staff, and for how long?
MIT parking facilities on the Cambridge campus are open to all MIT ID cardholders free of charge through September 1, 2020. We will re-evaluate this emergency policy for the fall term. All MIT ID cards have been activated to allow access to all MIT lots and garages, regardless of whether the individual is a current parking account holder.
How can I support MIT colleagues who may be struggling financially?
You can donate to the MIT Staff Emergency Hardship Fund, which provides financial assistance to MIT staff and postdoctoral scholars (associates and fellows) who are experiencing an immediate, severe, and temporary financial hardship due to a sudden or non-recurring emergency (e.g., serious illness or injury, family crisis, natural disaster).
I’m really anxious about COVID-19 – what resources are available to support me during this time?
You are certainly not alone here – many of us can relate to feelings of anxiety and fears about what the future might hold. We are increasingly concerned about our own health and the health of our loved ones, while also adjusting to new ways of living and working. Luckily, we have a few great resources to help you combat stress and loneliness during this challenging and confusing time.
MyLife Services – MIT’s employee support program – has created a COVID-19 Response Page with specific information and resources for managing work, caregiving responsibilities, as well as one’s own mental health and well-being, during this unique time. Employees are encouraged to contact MyLife Services for individualized support – counseling and stress management sessions can be conducted via phone, video conference or text message.
Employees can also visit MyStress Tools, which offers free access to an online suite of webinars, podcasts, audio, and articles, focused on stress-management.
HR encourages everyone to use this time at home as an opportunity to prioritize self-care!
How can I support my child’s learning while schools and child care are closed?
Preschool: Visit Bright Horizons Health and Safety Resource for Families for a list of vetted resources and indoor-friendly activities that promote in-home learning.
- Connect with an expert educational advisor (a “Navigator”) through EdNavigator. Navigators are former teachers, principals, and experienced guidance counselors, who can provide individualized guidance around how to manage your child’s education and learning from home.
- Camp Kinda is a free virtual summer experience designed to keep children in grades K-8 engaged, curious, and having fun.
Teens: Encourage your teen to use the time away from school to get a leg-up on the college application process. Connect with an expert college advisor through College Coach. College Coach experts are former college admissions and finance professional, who can provide individualized guidance around planning and paying for college.
Plus Parent Coaching: Parents of infants through teens can sign up for a one-on-one consultation with a Peace at Home Parenting coach to discuss any parenting questions or concerns.
Where can I find information about re-opening plans for MIT's child care centers?
See our re-opening FAQs for currently-enrolled families at MIT's Technology Childcare Centers (TCC).
What do I do if someone applied for unemployment benefits in my name?
Criminal enterprises using stolen personal information from earlier national data breaches have been attempting to file fraudulent unemployment claims through the Massachusetts Department of Unemployment Assistance system. This is part of a national unemployment fraud scheme. If you believe someone has applied for unemployment benefits using your personal information, you may report the incident by using the Commonwealth's secure fraud reporting form or by calling the DUA customer service department at (877) 626-6800. Additional information is available on the DUA website. Please contact your Human Resources Officer or your local HR representative if you have questions.
How do I get permission to be on campus?
See guidelines for campus access in the MIT Returning to Work on Campus FAQ.
What do we do about new hires while campus is closed to most employees?
New hires can, with few exceptions, be onboarded virtually in order to maintain their start date. Human Resources is able to continue the usual new employee onboarding steps as well, such as activation of benefits. See more detailed information about virtually onboarding new hires and our best practices for managers during this time of remote work.
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