Medical InsuranceHealth Reimbursement Account (HRA) / Health Insurance Enhancement PlanThe HRA was established to reduce the costs associated with seeking medical care on the Cape, for those on MIT insurance. JP students covered by MIT extended insurance who are unable to seek care at MIT Medical for conditions requiring prompt attention (e.g., flu, ear ache) are eligible to visit any physician’s office within the Blue Cross Blue Shield PPO network. Copayment that would not have been incurred if the student had been able to visit MIT Medical can be reimbursed by filling out a form and submitting it to Benefit Strategies, a 3rd party. The HRA is also available for reimbursing WHOI-based students with chronic health concerns who are required to make frequent doctor visits (e.g., allergy shots, diabetes treatment), and it can be used to cover fees associated with counselling appointments. JP students should consider the HRA as a supplement to, but not a replacement for, the MIT SEIP – non-urgent and infrequent appointments such as an annual physical exam should be scheduled at MIT Medical. If you travel from the Cape to MIT Medical, your costs can be fully reimbursed by Academic Programs (bus fare, parking pass, etc. by completing a Travel Expense Voucher and submitting it to the Academic Programs Office). If you have trouble getting reimbursed through the HRA, or have questions about how to use it, please contact someone in the Academic Programs Office or Human Resources. More info on this program is available through the MIT-WHOI website.
Walk-in clinics and emergency care on the CapeMashpee Family MedicineMonday-Friday, 9am-4pm, and Saturday am Mashpee Health Center, 5 Industrial Drive, Ste. 100, Mashpee, MA. phone: 508-539-6208 Strongly recommended by many JP students and WHOI staff. If you call the office, they may let you schedule a same-day appointment with a physician. Falmouth Walk In Medical Center - Monday-Friday, 8am-4pm (closed 12-1:30pm) 309 Teaticket Highway, East Falmouth, MA (508) 540-6790 Many specialists on the Cape may also be in network through the Blue Cross Blue Shield BlueCare Elect PPO. The BCBS website lists some, but not all of the physicians who are in-network throug hthe BCBS BlueCare Elect PPO plans. Therefore, you may want to call the physician’s office directly and ask if they will take your insurance rather than relying on the BCBS online database. Emergency CareFalmouth Hospital100 Ter Heun Dr., Falmouth; 508-548-5300. They have a complete emergency room with an airlift to Boston or Cape Cod Hospital. No emergency dental care. Insurance tip: you may want to call your health insurance company/plan/doctor before going in. Cape Cod Free ClinicWithin the BCBS PPO network. Mental Health Counselling and psychiatric services are available through MIT Mental Health. For those on the Cape, students can take advantage of the WHOI Employee and Student Assistance Program (ESAP, see WHOI Human Resources website) in conjunction with MIT SEIP coverage. Each year, students can receive 5 visits to a counsellor covered by WHOI Employee and Student Assistance Program (ESAP), the next 12 visits free under MIT SEIP, and the next 12 visits at a co-pay which the WHOI HRA will reimburse for. Prescriptions For those on MIT insurance, the cheapest option is to pick them up at the MIT Medical Pharmacy. Most contraceptives are free (thanks Obamacare!), other medications currently have a copay of $5 to $25 per month. If you don't want to make a trip to MIT, most prescriptions can be mailed. Request a refill and then call the pharmacy to get it mailed to your home address. They charge an extra $7 to mail the prescriptions and they will send up to 3 months at a time. For medications that cannot be mailed, you can get your doctor to send the prescription to a pharmacy on the Cape that accepts Express Scripts (CVS, Shaws and Stop & Shop all do). You will be charged an extra $10-20, on top of the regular copay, except for contraceptives which should still be free. The MIT SEIP only allows you to pick up one month at a time from the Express65 Town Hall Sq., Falmouth; 508-540-7075. This clinic is meant for those with no health insurance (which does not apply to JP students). Website: http://www.capecodclinic.org/index.html Planned Parenthood210 Jones Road, Falmouth Eye CareIf you have the MIT Student Extended Insurance Plan, you are eligible for one routine eye exam per year at MIT Medical. MIT health insurance does not cover the purchase of glasses or contact lenses. However, WHOI's Environmental Health and Safety Office will reimburse you for the purchase of prescription safety glasses if eye protection is needed for your research. The reimbursement is up to $180 per year (a pair of safety glasses with high index lenses cost $152 in 2011). See http://ehs.whoi.edu/ehs/DesktopDefault.aspx?tabindex=1&tabid=3&itemID=380 and contact Georgi Crowley (gcrowley@whoi.edu) for more information. Cambridge Eye / Visionworks17 Davis Straits Rd., Falmouth Plaza; 508-495-0332. A chain store. Carries a good selection of glasses, sunglasses and contacts. Website: http://www.visionworks.com/ http://www.cambridge-eyedoctors.com/ MIT OpticalStratton Student Center, lower level; M-F 9 a.m.-6 p.m phone 617-258-5367. No appointment necessary. Offers students a discount on eyeglass purchases. Website: http://web.mit.edu/medical/services/s-optical.html Dental CareThe MIT Student Extended Insurance Plan does not cover routine dental care. MIT graduate students currently have the option to purchase dental coverage at a group rate through Delta Dental. Two plans are available, the PPO Value Plan or the DeltaCare plan . http://graddental.mit.edu/graddental/ Sign up must be done at the beginning of the academic year. Currently (spring 2013) no dentists in Falmouth accept either plan, but please check the Delta Dental website http://www.deltadentalma.com/ for the most up to date info. Below is an incomplete list of dentists in the Falmouth and Boston areas compiled by surveying Joint Program students for their recommendations. Richard Demerjian91A Water St., Woods Hole; 508 548 6655. Good and friendly, and sympathetic to those of us without insurance (meaning they don’t try to do extra, non-necessary things that will cost extra money). Popular with students. Falmouth Dental Associates210 Jones Rd., Falmouth; 508-540-0303. As of spring 2013, a cleaning with a hygienist is $125 for those without insurance. Website: http://www.falmouthdental.com John C. Gagnon Falmouth Family Denstistry337 Gifford St., Falmouth; 508-548-2999. Brian Lee245 Jones Road, Falmouth; 508-548-5028. Formerly Dr. Garber’s practice. Thomas D Hutchinson344B Gifford St., Falmouth; 508-540-2515. Gerald Roan205 Worcester Court, Falmouth; 508-548-1699 Bright DentalIndependent practice of Karen A. Bright, D.M.D., 435 Washington Street, Somerville, MA. phone 617-491-2829, fax 617-491-0600. Friendly, skilled and offers student discounts - what more could you ask? Website: http://www.brightdental.com MIT Dental Wiki Markup |
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MIT E-23 5th floor. phone: 617-253-1501; \[http://medweb.mit.edu/directory/services/dental.html
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