BCBS PPO+ Health Plan

What to Know in 2026

• You may enroll a spouse/domestic partner, and/or dependents in coverage. Dependent children are covered up to age 26; no age limit applies for dependent(s) with disabilities that have been approved by BCBS and enrolled before age 26.
• You (and those you cover) may have a copay for office visits based on the location of your provider. There is a:
  • $0 copay for office visits at MIT Health;
  • $10 copay for MIT Health specialist office visits;
  • $25 copay for office visits and a $40 copay for specialist office visits with providers in the BCBS PPO+ network; and
  • In-network deductibles will apply ($175 employee only; $350 employee + spouse/ domestic partner, employee + child(ren), and family) to higher-cost services such as inpatient hospitalization, outpatient surgery, emergency room, diagnostic testing, non-preventive lab work, and imaging.
  • For services rendered by an out-of-network provider, a deductible and co-insurance will apply. 

More Benefits of this Plan

• BCBS TrueCare 360 Advocacy and Care Management – Dedicated Blue Care Managers and Service Advocates will help you and your family navigate the complex healthcare system, find resources in your community, coordinate care and access to services for complex cases, provide education about conditions, and support caregivers. See more about TrueCare and other support and advocacy resources for you.
• BCBS Virtual Primary Care – $0 cost for virtual primary care and mental health visits offered via chat, text, phone, and video with select providers. See more about virtual care.
• Expanded and updated fertility benefits (new egg cryopreservation benefit and updates to frozen embryo requirements) and enhanced gender-affirming care benefits. Learn more about these benefits.
• BCBS PPO+ Plan members have access to SaveOnSP, a copay assistance benefit for some specialty medications. This benefit is designed to help members save money by taking advantage of funds available through drug manufacturers.

Need Help or Have Questions?

Visit our Health Plans overview for information on eligibility, enrollment, mental health and other services, and more. If you still have questions, see the plan contacts below.