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FAQ: Waivers

Do I have to waive the Extended Plan every year?

Yes. Each year, MIT will automatically enroll you in, and bill you for, the MIT Student Extended Insurance Plan. At that point, you can waive coverage for the whole academic year. You must submit the waiver form by each year’s deadline to have the charge removed from your bursar’s account.

Will I be allowed to waive MIT Student Extended Insurance Plan coverage?

You will be allowed to waive Extended Plan coverage if you are either:

  • Living on campus or in the Cambridge area and have another comprehensive insurance plan that provides “comparable coverage” in this area, OR
  • Studying remotely from a location outside of the Cambridge area and have another comprehensive insurance plan that provides “comparable coverage” in the area where you will be studying.

What does “comparable coverage” mean?

To waive the Extended Plan, you must be insured by a plan that meets Massachusetts state requirements for “comparable coverage of health services.” This means that it includes preventive and primary care, emergency services, surgical services, hospitalization benefits, outpatient services, mental health services, and prescription drugs in the area where you will be studying.

How do I submit a waiver request?

New Students - You will receive an email from Gallagher Student Health with the subject line: “Verify Your Gallagher Student Health Account.” This email will contain a link and temporary password you will use to log into the Gallagher Student Health website and create your account.

Use the link and password to log in. You will then be prompted to create a new, unique password. Once you’ve logged on with your new password, follow the directions to submit a waiver request.

Returning Students - You will need to log into the Gallagher platform to submit your waiver if you are a returning student at Gallagher Student Health website.

I will be studying remotely outside Massachusetts and I will have other insurance. Can I cancel Extended Plan coverage?

You will be able to cancel your insurance by completing a waiver on the link at Gallagher Student Health website.

If you are studying remotely and receive a waiver denial for a plan that provides coverage in your local area, you should submit an appeal immediately. Once we confirm that you are studying remotely, outside of the Cambridge area, we will grant the waiver.

I studied remotely last semester. Now I’m coming to campus and want Extended Plan coverage.

Students are automatically enrolled in the Extended Plan at the beginning of each Academic year.

Why does MIT use Gallagher Student Health to review waiver requests?

We do this to make sure students have the coverage they need while they are on campus. Gallagher reviews each waiver request to make sure the student has health insurance that will cover their care if they become sick or injured while in Cambridge. In the past, some students who waived the Extended Plan found that their coverage was not sufficient to cover the care they needed. Some students had to leave school and go home to get the care they needed. Others stayed at school and used expensive out-of-network providers, which left them with expensive bills to pay.

I waived in the fall. Can I enroll in the spring?

If you waived Extended Plan coverage in the fall, you will have the opportunity to enroll for spring coverage during the spring Open Enrollment period. To enroll, visit the  Gallagher Student Health website and complete the enrollment form. Once Gallagher processes your enrollment, the insurance premium will be added to your bursar’s account, and you will be emailed a link to information about downloading your insurance card and using your Extended Plan coverage.

If I enroll in an insurance plan through the Massachusetts Health Connector, may I waive the Extended Plan?

If you buy health insurance through the Massachusetts Health Connector, you will be allowed to waive the Extended Plan. You may also be eligible for financial assistance to help you pay for plans available through the Health Connector. Be sure to review these plans carefully before purchasing. Many of them have high deductibles — that’s the amount of your own money you need to pay before the insurance will pay for any care — and this will increase your out-of-pocket costs. In fact, depending on the healthcare services outside of MIT Medical you use during the year, you could end up spending more with a high-deductible Health Connector plan than you would with the Extended Plan.

I waived insurance, but now I’ve changed my mind. Can I still enroll in the Extended Plan?

If you change your mind during the waiver/open enrollment period, you can RESCIND your waiver on the Gallagher Student Health website.

Click the edit wavier button to access your waiver. Once you are on your waiver scroll to the bottom to hit the RESCIND button. You will be automatically enrolled in the Extended Insurance Plan.

If you changed your mind after the waiver/open enrollment period and waived Extended Plan coverage in the fall, you will need to  submit a Petition to Add (PTA) located on Gallagher Student Health website. All PTA submissions need to have a qualifying event in order to be considered for processing. Once Gallagher processes your enrollment, we will then add the insurance premium fee to your bursar’s account and send you a link to information about downloading your insurance card and using your Extended Plan coverage. Once you have received confirmation of your own Extended Plan enrollment, you may enroll eligible family members as well through the same PTA process on Gallagher Student Health website.