About the MIT Graduate Student Dental Plan
The MIT Graduate Student Dental Plan is available to all MIT graduate students enrolled in a degree-granting program. The dental plan is offered through Blue Cross Blue Shield (BCBS) and is separate from the MIT Student Health Insurance Plan (MIT SHIP).
You are not automatically enrolled in the dental plan. If you want dental coverage, you must enroll during the open enrollment period from July 15–August 15, 2022. You will have to pay for the plan and for any dental bills that are not covered by the dental insurance. Your dental coverage will last from September 1, 2022–August 31, 2023.
What does the plan cover?
The plan offers full coverage of routine diagnostic and preventative services once every six months, including emergency exams and periodic X-rays.
Other dental services, such as fillings (composite or silver) and root canal therapy are covered at 80 percent after a $50 deductible.
For complete coverage details, visit the Summary of Benefits.
How much does the plan cost?
Individuals: $544.56 per year ($45.38 per month).
Families: $1377.36 per year ($114.78 per month).
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.
How do I enroll?
During Open Enrollment, MIT graduate students can enroll themselves and eligible family members in the dental plan through the Gallagher Student Health website.
- Visit the Gallagher Student Health website, and log in. If it’s your first time using Gallagher, you will need to create an account.
- Complete the enrollment form for yourself and any family members you would like to add.
Choose how you pay. When you enroll, you can pay for the entire year at that time, or you can choose the installment plan — pay for the first three months of coverage, and then begin paying a smaller amount every month.
If you pay for the entire year, you may pay by credit card or through a one-time debit from your checking account. If you choose the installment plan, you will have to make payments through automatic debits from your checking account.
For more information, visit the Graduate Student Dental Plan FAQ.