FAQ: COVID-19 and the MIT Student/Affiliate Extended Insurance Plans
Yes. Any medically necessary treatment for COVID-19 is covered under MIT’s Student/Affiliate Extended Insurance Plans. You will not pay co-pays, co-insurance, or deductibles for testing, counseling, vaccination (once available), and other care provided at doctors’ offices, emergency rooms, and urgent care centers in the US or internationally. Blue Cross Blue Shield will not require prior authorizations and referrals for medically appropriate care for COVID-19.
Yes. You will have access to the nationwide Blue Cross Blue Shield network. Locate providers in your area online (Select “Blue Card PPO/EPO” as your plan’s network), or call 800-810-2583. For assistance locating in-network mental health providers, call 877-566-2583. At your visit, be sure to show your Blue Cross Blue Shield of Massachusetts ID card. If you cannot find your card, you can request a new one by calling BCBSMA member services at 1-800-262-2583. You can also access your insurance information on your Gallagher student account. If you have difficulty, contact firstname.lastname@example.org.
BCBSMA has eliminated the requirement that you get routine care at MIT Medical, and has waived the 12-visit limit. You can receive care from any provider in the nationwide Blue Cross Blue Shield “Blue Card PPO/EPO” network for the same out-of-pocket cost you would have in Massachusetts.
Yes. Blue Cross Blue Shield is offering free access to Well Connection, their telehealth service. Well Connection provides HIPAA-compliant video visits with medical and behavioral health practitioners on your computer or mobile device. If your provider does not participate in Well Connection, remote visits may still be covered if your provider uses a HIPAA compliant platform to offer telehealth consultations.
Yes. Your prescription medications are covered. You can fill prescriptions at any Express Scripts pharmacy for the same copay as you would have at MIT Medical, and you can also get early 30-day refills for all prescribed maintenance medications. For more information and specific questions, contact BCBSMA directly.
Yes. You are covered internationally. You will likely be required to pay out-of-pocket for services and file for reimbursement, so make sure you get itemized receipts for any care. You will have the same $100 copay for emergency room services as you would have if you went to an emergency room in the US. Your out-of-pocket cost for non-emergency services will be the same out-of-pocket cost you would have for any out-of-network services in the US.
To learn more or locate providers in your country, visit BCBS Global Core.
Refund requests will be reviewed on a case-by-case basis. For students who have relocated outside of the country and whose use of the plan is therefore limited, approved refunds will be granted as quickly as possible. To qualify for a refund, we will need proof that you have returned to your country. We will accept a copy of your passport or airline ticket. For students who are approved to cancel their insurance and obtain a prorated refund for the remaining months of the coverage period, please be advised that you will not be able to re-enroll in the plan until the fall semester, effective September 1, 2020. To submit a request for a refund, please complete the request form and email both the form and supporting documentation to email@example.com. All requests must be submitted by May 15, 2020.
You may access your claims information online through the MyBlue portal.
For other questions, contact the MIT Member Service Team at 617-253-5979 or firstname.lastname@example.org. We thank you for your patience as this situation evolves. We are working tirelessly to get you the answers you need.
Please note: We are closed to in-person visits at this time.