Open Enrollment is open now through October 29, 2021.
Highlights for 2022
Medical Plan Premiums (Rates)
Each year, MIT identifies the projected rate increase for medical plans in advance of Open Enrollment. For calendar year 2022, MIT’s medical plan premiums will increase by 2.5%, which is lower than the 5.0% to 6.5% medical trend.
Medical Plan Enhancements
- Behavioral Health
Copayment costs for a member’s first two behavioral health visits per calendar year will be waived on the MIT Traditional and Choice plans. For the MIT High Deductible Health Plan, the deductible must be met first before any coinsurance is waived for behavioral health visits for the remainder of the calendar year.
- Virtual Office Visits
Beginning January 1, 2022, virtual office visit copays will be the same as in-person office visit copays. Well Connection (MyBlue app) telehealth visits will remain at a $0 copay.
- Fitness Reimbursement
Benefits will be expanded to include home fitness equipment such as stationary bikes (including Peloton), weights, exercise bands, treadmills, and fitness machines. This does not include items that are considered to be “recreational equipment” or “sports equipment,” such as kayaks, inline skates, bicycles, ice skates, trampolines, fitness clothing, or sneakers.
There will be no increase to dental plan rates in 2022.
There will be no increase to vision plan rates in 2022.
Life Insurance Plans
There will be a 12% decrease in employee costs for optional life insurance in 2022. There is no change to employee costs for dependent life insurance in 2022.
Flexible Spending Accounts
The Flexible Spending Account (FSA) maximums will remain the same, $2,750 for the Health Care FSA and $5,000 for the Dependent Care FSA, unless otherwise stated by the IRS.
Due to COVID regulations, employees' entire balance of unused Health Care FSA funds will be carried over from 2021 to 2022. Previously, employees could only carry over up to $550 from one plan year to the next. Once you have exhausted your 2022 election amount, you will automatically have access to your 2021 carryover balance.
Also, employees' entire balance of unused Dependent Care FSA funds will be carried over from 2021 to 2022. Dependent Care FSA carryover only applies to 2020 and 2021 plan years. You will have access to your 2021 Dependent Care carry over funds as of May 15, 2022.
Review the MIT Benefits Brochure for 2022 to see plan information, rates, and highlights.
Recent Transparency in Coverage (TiC) regulations require that new medical plan ID cards must be issued to all members for calendar year 2022. Blue Cross Blue Shield will mail new cards to all enrolled members prior to January 1, 2022.
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.
|Blue Cross Blue Shield of MA||1-800-882-1093||Blue Cross Blue Shield|
|Delta Dental||1-800-872-0500||Delta Dental|
|Express Scripts||1-866-454-7118||Express Scripts|
|Fidelity – 401(k) Plan||1-877-MIT-SAVE|
|Fidelity – Health Savings|
|MIT Medical||1-617-253-4481||MIT Medical|
|Pension Service Center||1-855-4MITPEN|