We have assembled an overview of the most important things retired MIT employees should know about MIT Medical to help you better understand the resources and benefits available to you and your family.
Retirees of MIT Cambridge, Lincoln Laboratory, the Whitehead Institute, and their covered dependents, can still receive care at MIT Medical but must first notify MIT’s registration or billing staff upon retirement, especially if they are covered by Medicare.
Retirees under age 65 who are not yet eligible for Medicare may be eligible to continue with the same coverage and benefits they had prior to retirement. Members of the MIT Traditional Health Plan and MIT Choice Plan members with an MIT primary care provider (PCP) may continue to receive all their care at MIT Medical or be referred to an outside provider when necessary. Speak to a representative of your benefits office upon retirement to determine if you are eligible to continue your coverage.
Retirees 65 and older should speak with representatives of their benefits office upon retirement to determine their benefit options.
Once you are covered by Medicare, you may continue to receive care at MIT Medical or go to any other Medicare-participating provider. MIT Medical will bill Medicare (and Medex) for services you receive at MIT Medical. Note that the benefits available under Medicare and Medex are different from those offered to active employees. Some services you receive at MIT Medical may not be covered by Medicare, and you may be responsible for some charges.
Retirees 65 or older who are covered by Medicare may visit the provider of their choice without receiving a referral from an MIT Medical provider.
The MIT Pharmacy participates in Express Scripts for prescriptions written by MIT providers, but does not fill prescriptions from providers outside MIT Medical. Beginning January 1, 2012, MIT retirees enrolled in the Medicare Part D Prescription Drug Plan administered by Express Scripts can obtain a 30-, 60- or 90-day supply of their prescription medications at any Express Scripts network retail pharmacy, including the MIT Pharmacy, by paying one copay per 30-day supply. For more information go to http://hrweb.mit.edu/benefits/retirees/prescriptions.
If you are a retiree under 65 who is covered by the MIT Traditional Health Plan or by the MIT Choice plan with an MIT PCP, you have the same prescription coverage as active employees.
If you are a retiree 65 or older, you may have prescription coverage through Express Scripts. Contact your benefits office for information on copayments, drug coverage, and the mail-order process. The MIT Pharmacy participates in Express Scripts for prescriptions written by MIT Medical providers, but does not fill prescriptions from providers outside MIT Medical.
Your employee health plan will be your primary plan, even if you are enrolled in Medicare.
For questions about eligibility for retirement benefits or the Medicare program, contact the MIT Benefits Office at 617-253-6151 or firstname.lastname@example.org.
MIT Benefits Office
MIT Medical Billing Office
Hours: M–F, 8:30 a.m. to 5 p.m.
Claims and Member Services
Phone Hours: M–F, 8:30 a.m. to 5 p.m.
Walk-in Hours: M–F, 9 a.m. to 5 p.m.