The process begins six months before your planned retirement date. Start by downloading the helpful retirement checklist from MIT’s Human Resources (HR) office. You can also visit the Planning Retirement section of the HR website to learn about all things retirement, not just medical and health insurance issues.
Enrolling in Health Insurance
If you will be under 65 when you retire:
If you retire before turning 65, you can choose to stay with your current plan, or select from one of three options for medical coverage through MIT: the MIT Traditional Health Plan, the MIT Choice Plan, or Blue Care Elect Preferred. You can continue using one of these plans until the month before you turn 65. If you have a spouse under age 65, and/or eligible dependent children, they are eligible to be covered as well.
About three months before you turn 65, the MIT Benefits Office will send you a packet of materials describing available Medicare supplemental plans along with the forms you’ll need to enroll in Medicare. You must enroll by the first day of the month before you turn 65. For example, if your birthday is May 26, you need to enroll in Medicare before April 1 of that year.
If you do not receive a packet, contact the Benefits Office.
If you will be under 65, and your spouse will be older than 65 when you retire:
If your spouse/partner is older than 65 when you retire before age 65, he or she must have Medicare as their primary coverage. However, your spouse will be eligible to sign up for MIT’s Medicare supplemental plan or MIT's Medicare HMO plan.
If you are 65 or older when you retire:
If you retire at or after age 65, your primary health insurance will come from Medicare Parts A (hospital) and B (medical). However, MIT offers a Medicare supplemental plan to help offset the healthcare costs that Medicare doesn’t fully reimburse.
If you are 65 or over, and your spouse is at least age 65 when you retire:
If your spouse/partner is 65 or older when you retire and already on Medicare, he or she is eligible to sign up for MIT’s Medicare supplemental plan or MIT's Medicare HMO plan. However, he or she is not required to have the same coverage you choose.