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FAQ: Using the MIT Student/Affiliate Extended Insurance Plans off-campus during the COVID-19 pandemic

Does my insurance cover COVID-19 testing and care?

Yes, in most cases. Any medically necessary treatment for COVID-19 is covered under MIT’s Student/Affiliate Extended Insurance Plans. Blue Cross Blue Shield will cover the full cost of diagnostic tests for COVID-19 for individuals who meet the Centers for Disease Control and Prevention (CDC) guidelines for testing, provided that the test meets CDC guidelines. You will not pay copays, coinsurance, or deductibles for medically necessary testing, counseling, vaccination (once available), and other COVID-19-related 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.

I’m studying remotely this semester. Will I be able to access in-network providers outside of Massachusetts?

Yes. You will have access to the nationwide Blue Cross Blue Shield network. To find in-network providers in your area, you can search online (Select “Blue Card PPO/EPO” as your plan’s network) or call 800-810-2583. For assistance in locating in-network mental health providers, call 877-566-2583.

We encourage you to download the MYBlue app, which contains a copy of your membership card.  

If you lose 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 Health account. If you have questions, contact stuplan@med.mit.edu.

I’m studying remotely and can’t come to MIT Medical. Will I still be able to get routine care?

In response to the pandemic, BCBSMA has eliminated the requirement that you get routine care at MIT Medical. 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.

Note: Because some states have laws restricting the provision of telehealth services across state lines, MIT Medical clinicians can only schedule telehealth appointments with patients who are physically located in Massachusetts at the time of the appointment.

Do I have access to telehealth services?

Yes. Student enrolled in the Extended Plan have access to Blue Cross Blue Shield MyBlue telehealth service with no cost share. MyBlue provides HIPAA-compliant video visits with medical and behavioral health clinicians on your computer or mobile device. If your provider does not participate in MyBlue, remote visits may still be covered if your provider uses a HIPAA-compliant platform for telehealth consultations, however out of network cost sharing will apply. MyBlue services are not available outside the United States.

Note: Because some states have laws restricting the provision of telehealth services across state lines, MIT Medical clinicians can only schedule telehealth appointments with patients who are physically located in Massachusetts at the time of the appointment.

Are my prescription medications still covered?

Yes. Your prescription medications are covered. You can fill prescriptions at any Express Scripts pharmacy for the same copay as you would have at the MIT Pharmacy, and you can also get early 30-day refills for all prescribed maintenance medications. For more information and specific questions, call BCBSMA at 1-800-882-1093. 

I don’t live in the United States. Will my health insurance work internationally?

Yes. You are covered internationally, except for telehealth services. When you receive services, you will likely be required to pay out-of-pocket 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 as it would be for any out-of-network services in the US. To learn more or locate providers in your country, visit BCBS Global Core.

Where can I get information about my insurance claims online?

You may access your claims information online through the MyBlue portal

Who can I contact with other questions?

For other questions, contact the MIT Member Services Team at 617-253-5979 or mservices@med.mit.edu.