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
If you are registered as a full-time student, you will be automatically enrolled in, and billed for, the MIT Student Extended Insurance Plan, which provides comprehensive coverage, including prescriptions, diagnostic tests and specialists outside of MIT Medical, and hospitalization. If you want the plan, you don’t need to do anything. But if you already have comparable insurance from a U.S.-based insurer that will meet your needs while you are at MIT and are not an exchange student, you may be eligible to waive this coverage.
If you’re a less-than-full-time student who is not automatically enrolled in the Extended Plan, you may be eligible for this coverage if you want it. Call the MIT Health Plans Office at 617-253-4371 for more information.
The waiver deadline is August 15 for the academic year (September 1-August 31).
