The MIT Student Medical Plan, included with tuition, provides students with access to most services at MIT Medical at no additional charge. The MIT Student Extended Insurance Plan provides further coverage, including prescriptions, off-campus specialty care, and hospitalization.
MIT Student Medical Plan
Included with tuition.
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
- Student Mental Health and Counseling Services
- Basic x-ray and laboratory testing
If you’re an MIT student, you’re automatically covered.
MIT Student Extended Insurance Plan
It’s there when you need it.
For coverage beyond the MIT Student Medical Plan, nearly 70 percent of MIT students choose the MIT Student Extended Insurance Plan.
The MIT Student Extended Insurance Plan meets state and federal health insurance requirements and J-1 visa requirements and picks up where the MIT Student Medical Plan leaves off. This plan meets the minimum essential health coverage requirements in accordance with the Patient Protection and Affordable Care Act. (For additional information, see the Summary of Benefits and Coverage.) The MIT Student Extended Insurance Plan covers:
- Prescriptions
- Referrals to specialists outside of MIT Medical
- Diagnostic tests, physical therapy, or surgery
- Hospitalizations and medically necessary ER visits
Students registered for 27 units or more per term are automatically enrolled in, and billed for, the MIT Student Extended Insurance Plan, so if you want the plan, you don’t need to do anything. However, as long as you are not an exchange student, you can waive this coverage if you already have comparable insurance from a U.S.-based insurer that will meet your needs while you are at MIT. For some students, remaining on their parents’ health insurance plan provides comparable coverage. You may also be able to purchase comprehensive insurance through a state or federal health insurance marketplace.
The waiver deadline is August 15 for the academic year (September 1-August 31).
If you’re registered for fewer than 27 units per term, you won’t automatically be enrolled in the MIT Student Extended Insurance Plan, but you are eligible for this coverage if you want it. Just stop by the MIT Health Plans Office (E23-308) to sign up.
