What does the plan cover?
Who is eligible to enroll?
Can I enroll my spouse or children?
What other dental insurance coverage options do I have if I am under age 19?
As part of Affordable Care Act requirements, the MIT Student Health Insurance Plan (MIT SHIP) provides some basic dental coverage for covered individuals younger than 19. See the Summary of Benefits for more information.
How much does it cost?
Premiums for the 2023-24 plan year are:
Full Year (September 1, 2023 – August 31, 2024)
Individuals: $570.72 per year; Families: $1,443.48 per year
Fall Term Only (September 1, 2023 – January 31, 2024)
Individuals: $237.80; Families: $601.45
Spring Term Only (February 1, 2024 – August 31, 2024)
Individuals: $332.92; Families: $842.03
Summer Term Only (June 1, 2024 – August 31, 2024)
Individuals: $142.68; Families: $360.87
Some graduate students may be eligible for subsidies to cover a portion of the individual dental premiums.
Note: The family rate is the same whether you choose to enroll only your spouse/partner, only your child(ren), or all of your eligible family members. The cost is also the same regardless of the number of children enrolled.
When can I enroll?
You can enroll during the annual open enrollment period from July 15 to August 15.
What if I miss the sign-up window? Can I sign up after August 15 or in the middle of the school year?
You cannot sign up outside of the July 15–August 15 window or the October 24–November 24, 2023 enrollment period unless you lose your existing dental insurance or experience a “qualifying life event” — like getting married or having a baby. If you join in the middle of the year after a qualifying life event, you will be charged a prorated premium for the portion of the plan year for which you are enrolled.
How long will I have coverage?
Where can I use it?
Can I transfer my previous dental records to MIT Dental?
Is there a maximum benefit?
Are braces or other orthodontic services covered?
No. This plan does not include coverage for braces or orthodontics. Additionally, MIT Medical’s Dental Service does not offer orthodontic services, but they can direct you to orthodontists in the Cambridge area.
Do benefits roll over from year to year?
How do I enroll?
You may sign up during the annual open enrollment period or as the result of a qualifying event by, visiting Gallagher Student Health.