For benefits-eligible employees of MIT Cambridge and Lincoln Laboratory and the Whitehead Institute. Not available to Draper Laboratory employees.

As its name implies, the Flexible MIT Health Plan allows you to arrange for medical care in a number of ways:

Care at MIT: When you receive care at MIT Medical or at one of our affiliate hospitals through a referral by an MIT physician, nearly all services are free.

Care outside MIT: Outside Massachusetts, you can use any licensed doctor or general hospital anywhere in the world by paying a deductible and co-insurance fee. Inside Massachusetts, you can use any Blue Cross Blue Shield of Massachusetts (BCBSMA) participating doctor or hospital, subject to deductible and co-insurance requirements. If the provider isn't part of the BCBSMA network, you may also be billed for the difference between the BCBSMA-allowed amount and the provider's fee.

Worldwide emergency service: If you have a medical emergency anywhere in the world, your care is fully covered as long as you follow our authorization and follow-up procedures.

Depending on where you seek health care, coverage for you and your family includes:

• Free office visits, with no referral needed, to most MIT clinical services
• Urgent care 24 hours a day
• Routine physical exams (only at MIT Medical except limited pediatric visits)
• Routine eye exams (only at MIT Medical)
• A range of women's health care services, including gynecological exams, mammograms, and interrupted pregnancies, and maternity coverage
• Outpatient psychotherapy evaluation and some treatment at MIT Medical
• Inpatient care in cooperating hospitals or substance abuse treatment facilities
• Special mental health and substance abuse benefits through BCBSMA's Managed Care Behavioral Health Network
• Cancer treatment therapies
• Acupuncture for pain management and serious medical conditions at Massachusetts General Hospital or New England School of Acupuncture
• Vision, hearing, cholesterol, and other screening tests (as part of an annual phyical)
• Diagnostic lab and X-ray services
• Immunizations - with co-payments in some cases (only at MIT Medical, excludes pediatric immunizations)
• Prescription drugs dispensed at MIT Medical or outside of MIT Medical with participating Express Scripts pharmacies (copayments may vary)
• Emergency care
• Out-of-area urgent and emergency care services

Be sure to download the Benefits-at-a-Glance 2008 (pdf) for a complete explanation of the MIT Medical services and benefits available to you and your family. Or, contact Claims and Member Services at 617-253-5979 or by email at mservices@med.mit.edu.