We’re eligible to waive; why shouldn’t we?

Your student can remain on your health plan until they are 26 years old. You believe your plan provides coverage that is comparable to that of the MIT Student Health Insurance Plan (MIT SHIP). You’re eligible to waive MIT SHIP coverage and remove that charge from your child’s student account. Why shouldn’t you?

Every year, we talk with students who have come to regret having waived MIT SHIP coverage.

Sometimes it’s because they aren’t able to find conveniently located in-network providers for an unexpected medical need. That can mean large out-of-pocket expenses. Or waiting until the next school vacation to get necessary care at home.

Sometimes it’s because the student’s insurance requires that they obtain prior authorization for diagnostic tests or treatment in the Cambridge area. Not only is this a major inconvenience; it may also lead to long delays in receiving necessary care.