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Using your health insurance in Cambridge

The MIT Student Medical Plan is included with tuition. You are covered by the MIT Student Medical Plan even if you waive the MIT Student Extended Insurance Plan. With the MIT Student Medical Plan, you can use most services at MIT Medical with no copay and no additional charge. This includes primary care, mental health and counseling services, basic lab and X-ray services, urgent care, and many medical specialties.

But the MIT Student Medical Plan doesn’t cover prescriptions or services outside of MIT Medical. Those services will be covered by the MIT Student Extended Insurance Plan or, if you’ve waived, your other comprehensive insurance plan:

  • If you buy the MIT Student Extended Insurance Plan, we can help you find the right specialists, make appointments, and learn what’s covered. You can also fill prescriptions at most retail pharmacies.
  • If you waive, take the time now to learn about your plan’s rules for referrals, service authorizations, and claims. Check with your insurer to make sure can easily find in-network providers in the Boston area.

Learn more about the extended insurance plan.