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.
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.
If you are living on campus or in the Boston area, all of these services must be accessible in this area. For example, if your current plan is an HMO outside of eastern Massachusetts, your coverage will likely be limited — or unavailable — outside of your HMO’s service area. As a result, it probably won’t be considered “comparable coverage.”
If you are studying remotely from a location outside of the Cambridge area, all of these services must be accessible in the area where you will be studying.
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.
Once you submit the request, Gallagher will check the insurance information you entered on your form to make sure it’s accurate and that your coverage is active. They will determine if your insurance plan meets Massachusetts requirements and send you an email either approving, denying or pending your waiver for additional information. It is important that you submit the additional information in a timely manner.
Gallagher will automatically deny waivers for plans that do not provide adequate coverage in the Cambridge area, but 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.
Yes. To comply with Massachusetts law, we automatically enroll all full-time students in the Extended Plan; however, we recognize that many of you may have other, comprehensive coverage for the area in which you will be studying. In that case, although Gallagher may deny your initial waiver request, it will likely be approved once you appeal. Note that if you waive the insurance coverage in the fall, you will not need to submit a waiver for the spring term, even if you are studying on campus.
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.
Yes, if you waive and then lose your other coverage, that would be considered a “qualifying event” that allows you to enroll in the Extended Plan. Arriving on campus after studying remotely for part of the year is also considered a qualifying event. To enroll in coverage due to a qualifying event, you must log on to the Gallagher website to submit a “Petition to Add” within 30 days.
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.
If the August 27 deadline hasn’t passed, it’s easy to withdraw your waiver and get Extended Plan coverage. Just log in to the Gallagher website, and click on “View My Submitted Forms.” Select and open your waiver form, scroll to the bottom of the form, and click “Rescind This Submission.”
If you change your mind after the August 27* deadline, but before August 31,* you can still withdraw your waiver with no penalty by calling Gallagher’s customer service line at 1-844-333-1466.
If you change your mind after August 31,* you’ll be able to enroll for the spring term during the open enrollment period from December 15–January 15.*
*These dates are subject to change.
You can enroll outside of an open enrollment period only if your other insurance coverage ends. This could happen because you turn 26 and age off your parent’s plan, or because your parent, spouse, or partner loses a job and loses the insurance coverage under which you were covered. In that case, you would need to log on to the Gallagher website to submit a “Petition to Add” form and supporting documentation within 30 days of the date on which your other insurance coverage ended. If approved, your Extended Plan coverage will start on the date your previous coverage ended.
Yes. MIT will automatically enroll you in, and bill you for, the MIT Student Extended Insurance Plan every year. 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.