Patient Rights & Responsibilities

• Student health plans

  • MIT Student Medical Plan

  • MIT Student Extended Insurance Plan

  • Waiver FAQ
  • International Students
  • Family Members
  • Rates
  • Referrals
• Employee health plans
• Affiliate health plan

MIT Student Extended Insurance Plan

The MIT Student Extended Insurance Plan is a comprehensive health insurance plan administered in partnership with Blue Cross Blue Shield of Massachusetts (BCBSMA). In addition to the care and services covered under the Student Medical Plan, the Extended Plan includes:

• Outpatient services outside MIT Medical (For information about referrals for outpatient medical or surgical services, read our Referral FAQ.)
• Hospital room and board for medical and psychiatric hospitalizations, along with use of operating room and equipment, X-rays, lab tests, drugs, and intensive care services
• Inpatient hospital care by physicians or services outside MIT Medical
• Prenatal care and in-hospital maternity care, including room and board, delivery room, special services, and nursery charges for the well newborn baby
• Emergency room care
• Outpatient mental health when referred by MIT Medical's Mental Health Service
• Surgical procedures, except cosmetic
• One annual routine eye exam at MIT Medical
• Chiropractic care
• Acupuncture for pain management and serious medical conditions at Massachusetts General Hospital or New England School of Acupuncture
• Prescription drugs (with copayments)
• Diagnostic lab tests
• Emergency care outside the United States

Enrollment

Students are automatically enrolled in, and billed for, the Extended Plan.

Outpatient Services

If you are referred to a provider outside MIT Medical, the Extended Plan will cover most of the cost of your care as long as the provider is part of the Blue Cross Blue Shield network, subject to Plan benefit limits. If you use a provider outside the Blue Cross Blue Shield network, you'll pay a larger portion of the cost. For more details, please refer to the Student Health Plans Overview (PDF) or the Summary Plan Description (PDF).

Waiving MIT Student Extended Insurance

Students who have other insurance that meets Massachusetts requirements can ask to waive mandatory enrollment in the MIT Student Extended Insurance Plan. We strongly recommend, however, that you seriously consider this specially designed plan before deciding to forgo its benefits. Our Waiver FAQ will help you understand the advantages of choosing the MIT Extended Plan.

If you still decide to waive enrollment, please follow the instructions for the online waiver process on our Waiver FAQ page. If you are unable to use the online form, contact us at stuplan@med.mit.edu.

You must waive the MIT Student Extended Insurance Plan every year.

Waiver Deadlines

For fall term, waivers must be submitted no later than September 30. For spring term, waivers must be submitted no later than February 28. For summer term, waivers must be submitted no later than June 30. Please note that the summer term waiving period is only for students registered for the summer term.

Resources

Student Health Plans – Overview (PDF)
Student Extended Insurance Plan – Summary Plan Description (PDF)

Related Links

Student Enrollment Form 2008-2009 (PDF)
Online Waiver
MIT Medical Services Directory