If you’re covered by the MIT Affiliate Extended Insurance Plan…
When you need care outside of MIT Medical—anything from physical therapy to MRIs to hospital stays— we can help you find the right specialists and make appointments, and we can answer your questions about what is covered.
The MIT Affiliate Extended Insurance Plan is a “preferred provider organization” or “PPO.” This means that you don’t need a referral from an MIT clinician to see a provider outside of MIT Medical. It also means that if you see a provider who participates in the PPO network, the insurance plan will cover more of the cost, so you will pay less.
But even though you don’t need a referral to see an outside clinician, it can be a good idea to get one. If you have a referral, MIT Medical’s Referral Office can help you find the right provider and book the first appointment, and your MIT Medical provider will automatically get reports from the outside facility, so he or she can coordinate your care and follow up as needed. When you have a referral on file, you also can fill prescriptions from the outside provider at the MIT Pharmacy with a significantly lower copay than you would have at a retail pharmacy.