Open Enrollment

MIT Benefits Open Enrollment for the 2023 calendar year is closed.

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 benefits outside the Open Enrollment period. Find out which life events qualify you to make changes to your benefits.

2023 Benefits Highlights

Portable child care subsidy (PCCS) program

MIT is pleased to offer a new portable child care subsidy program for eligible employees to address the high costs of childcare—an ongoing challenge for many employees and families.

Health plan premiums (rates) and plan enhancements

Each year before Open Enrollment, MIT identifies the projected rate increase for our health plans. For calendar year 2023, MIT’s health plan rates will increase by 2.9% on average, which is lower than the projected 7.6% medical plan trend.

  • Mind and body reimbursement: Reimbursement of up to $150 per member per year for massage therapy, tai chi, hypnosis therapy, qi (chi) gong, meditation therapy, and meditation apps.

  • Travel benefit enhancements: The MIT health plans will 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.

  • Family planning enhancement: Coverage amount for donor sperm will increase to $750 for each calendar year and includes shipping cost coverage.

For more information on these highlights, visit our Health Plans page.

Dental and vision plan premiums (rates)

There will be no increase to dental plan rates in 2023. The vision plan rates will decrease by 2.1% in 2023. Please note that both Freedom Pass and ContactsDirect.com have been discontinued. A new program, Eye360, is being added and is similar to Freedom Pass but with fewer limitations. In addition to the current provider network, members will also have access to PLUS Providers, which offer $50 on top of the $150 frame allowance.

Life insurance plan premiums (rates)

There are no changes to Optional Life or Dependent Life insurance rates in 2023.

Flexible spending accounts

Flexible Spending Account (FSA) maximums for 2023 are $3,050 for the Health Care FSA and $5,000 for the Dependent Care FSA, unless otherwise noted by the IRS. If you wish to remain in the Health Care or Dependent Care Flexible Spending Account(s) for calendar year 2023, you MUST re-enroll in coverage.

Voluntary benefits

In addition to its robust health and welfare and retirement programs, MIT is pleased to offer eligible employees other voluntary benefits including identity theft protection services, legal insurance, pet health insurance, and more. There are no changes to these plan rates in 2023.

Prescription drug copays

Reminder: Following the closing of the MIT Medical pharmacy in early 2022, MIT retained MIT Medical pharmacy copays of $5 (generic) and $15 (brand) through December 31, 2022. As of January 1, 2023, employees will pay the Express Scripts in-network copays of $8 (generic) and $25 (brand) at retail pharmacies.

Benefits Brochure

Review the MIT Benefits Brochure for 2023 to see plan information, rates, and highlights.

Checklist

We've provided a checklist to help you plan for enrollment.

More Information

Identification cards

Current MIT Health Plan members who do not make a change will not receive a new card in 2023. Members who are newly enrolled in one of the MIT Health Plans will receive an ID card by January 1, 2023. You must present your ID card when you see any providers in 2023 or your claims will not be processed correctly and will results in your physician's office sending you a bill.

Help and contacts

Here's how to reach the vendors for each of MIT's benefit plans, or you can contact MIT Benefits by phone or email for assistance.

Vendor Phone Website
ARAG (legal insurance) 1-800-247-4184
ASPCA (pet health insurance) 1-877-343-5314
Blue Cross Blue Shield of MA 1-800-882-1093
Delta Dental 1-800-872-0500
Express Scripts 1-866-454-7118
EyeMed 1-866-939-3633
 
Fidelity – Health Savings
Account (HSA)
1-800-544-3716
Fidelity – Supplemental 401(k) Plan 1-877-MIT-SAVE
or 1-877-648-7283
HealthEquity 1-877-924-3967
ID Watchdog 1-866-513-1518
MIT Medical 1-617-253-4481
Pension Service Center 1-855-4MITPEN
or 1-855-464-8736
Pets Best 1-888-984-8700