Getting care on campus
The MIT Student Medical Plan provides access to most services at MIT Medical with no copay and no additional charge. This includes:
- Primary care
- Specialty care
- Urgent care
- Mental health and counseling services
- Basic x-ray and laboratory testing
With the MIT Student Extended Insurance Plan…
The MIT Student Extended Insurance Plan was designed to integrate seamlessly with the MIT Student Medical Plan. This means that 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.
If you’ve waived the Extended Plan…
Remember, even if you waive the MIT Student Extended Insurance Plan, you still have coverage through the MIT Student Medical Plan and can use most services at MIT Medical with no copay and no additional charge.
But when you need care outside of MIT Medical or need to fill prescriptions, things will work a little differently:
- Services outside of MIT Medical: We can recommend outside specialists and facilities, but we can’t provide an actual referral or tell you if a provider is part of your insurance company’s network. Check the rules for your insurance; you may need a referral from your doctor at home or authorization from the insurance company. In rare circumstances, students may have to leave school and go home to get in-network care.
- Prescriptions: The MIT Pharmacy can fill prescriptions from MIT clinicians, but we can’t accept most outside prescription plans, so you will most likely have to pay full price at the MIT Pharmacy and submit a claim for reimbursement to your insurer. Alternatively, you can fill your prescriptions at one of many local retail pharmacies.
- Emergency room visits and hospitalizations: You will have to arrange coverage with your insurer.
- Claims: You will be solely responsible for working out claims issues with your insurer. MIT Medical cannot intervene.