Wondering how to use your insurance on and off-campus? Learn more about using your MIT student health insurance
About the MIT Student Medical Plan
Included with tuition.
The MIT Student Medical Plan, which is included with tuition, provides access to most services at MIT Medical at no additional charge. You can receive healthcare services at MIT Medical if you are studying on campus or studying remotely but living in the Cambridge area.
If you’re an MIT student, you’re automatically covered for most services at MIT Medical, including:
Basic x-rays and some laboratory testing
You can access these services on-campus at MIT Medical with no copay and no additional charge.
About the MIT Student Extended Insurance Plan
The MIT Student Extended Insurance Plan is a comprehensive insurance plan that meets state and federal health insurance requirements and J-1 visa requirements. This plan meets the minimum essential health coverage requirements in accordance with the Patient Protection and Affordable Care Act. Whether you’re studying on campus or remotely, the Extended Plan is there when you need it through the nationwide Blue Cross Blue Shield network.
MIT complies with Massachusetts law by automatically enrolling you in, and billing you for, the MIT Student Extended Insurance Plan. If you already have comprehensive health insurance that meets your needs in the area where you are studying, you can waive Extended Plan coverage.
Insurance coverage under the Student Extended Insurance Plan begins on September 1, 2021. MIT will not be offering Extended Plan coverage for the month of August. If you need insurance coverage during the month of August, other options are available at healthcare.gov.
Learn more about waiving the Extended Plan.
MIT Student Extended Insurance Plan coverage includes:
- Prescriptions
- Routine care and visits to specialists outside MIT Medical
- Telehealth visits (US only)*
- Referrals to specialists outside MIT Medical
- 52 off-campus mental health visits with no out-of-pocket cost
- Diagnostic tests, physical therapy, or surgery
- Hospitalizations and medically necessary ER visits
…and more.
* Because some states have laws restricting the provision of telehealth services across state lines, MIT Medical clinicians can only schedule telehealth appointments with patients who are physically located in Massachusetts at the time of the appointment.
Learn how the Extended Plan works when you’re studying remotely.
