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 health insurance requirements and picks up where the MIT Student Medical Plan leaves off. It covers:
- Prescriptions
- Referrals
- Diagnostic tests, physical therapy, or surgery
- Hospitalizations and medically necessary ER visits
- Out-of-area benefits covering emergencies and certain non-urgent, non-routine care.
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 and already have comparable insurance from a U.S.-based insurer, you can waive this coverage. For some students, a parent’s or spouse’s health insurance plan provides comparable coverage. You may also be able to purchase comprehensive insurance through a state or federal health insurance marketplace.
Are you eligible to waive the Extended Plan? Take our quiz to find out!
Waiver deadlines are August 31 for the academic year (September 1-August 31) and February 15 for the spring term.
NOTE: 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.
