MIT offers three health insurance options for employees, the MIT Traditional Health Plan, the MIT Choice Plan, and the MIT High Deductible Health Plan (HDHP).
All three plans offer the opportunity to choose a primary care provider (PCP) at MIT Medical in Cambridge or Lexington. The convenience of our locations, the quality of our providers, the ease of referrals, and our affiliation with top hospitals are just a few of the reasons that more than half of all MIT employees who purchase an MIT-sponsored health plan choose a PCP at MIT Medical.
- With the MIT Traditional Health Plan, you and all of your covered family members will choose PCPs at MIT Medical facilities on campus in Cambridge or at Lincoln Laboratory in Lexington.
- The MIT Choice Plan offers flexibility when neither MIT Medical location is convenient for all family members. With Choice, you can still have the convenience, lower copays, and quality of care that come with having a primary care provider (PCP) at MIT Medical, but one or more of your family members can choose PCPs from the multistate HMO Blue New England network or use out-of-network providers subject to deductible and coinsurance.
- The MIT HDHP allows participants to use the nationwide PPO Blue Cross Blue Shield network. It offers lower premiums in exchange for a deductible ($1,500 for the individual plan, $3,000 for the family plan). While the HDHP doesn’t require patients to select a PCP, we strongly recommend that all of our patients select a PCP—a single clinician who can coordinate your care.