The MIT Affiliate Health Plan provides affiliates with comprehensive, high-quality health care during their time at MIT. The convenience of our medical services, the expertise and experience of our physicians, and our affiliation with top hospitals in the Boston area are only a few of the plan’s advantages. The plan is available to those who meet both of the following requirements:
The plan has two complementary parts:
MIT Affiliate Medical Plan: Covers a wide range of care and services provided at MIT Medical, including primary care, certain medical specialties, urgent care, and others.
MIT Affiliate Extended Insurance Plan: Meets Massachusetts requirements for comprehensive health insurance. In addition to the services provided by the MIT Affiliate Medical Plan, members receive access to inpatient hospitalization (including the birth of a child), inpatient mental health and substance abuse treatment, emergency room services, surgical procedures, and other benefits, such as annual eye exams and prescription medicine.
Affiliates with appointments of five months or longer* are required to have comprehensive health insurance . If you have other health insurance that meets Massachusetts requirements, you may waive coverage from the MIT Affiliate Health Plan by completing the affiliate waiver request form. If you do not have insurance and are required to purchase insurance, you must purchase both the MIT Affiliate Medical Plan and the MIT Affiliate Extended Insurance Plan. Check with the administrative officer in your department if you have questions about your eligibility.
If you'd like to purchase the MIT Affiliate Medical Plan but not the MIT Affiliate Extended Insurance Plan, you must complete the application process in person by coming into the Health Plans office (E23-308) during regular business hours (Monday-Friday, 8:30 a.m.–5 p.m.). You must bring proof that you have adequate hospital insurance from another provider that is comparable to the MIT Affiliate Extended Insurance Plan.
* except Bantrell Fellows and those with the title of visiting professor, including assistant or associate profesor
If you already have insurance that's comparable to MIT’s insurance coverage, you may submit an affiliate waiver request form. Complete insurance information, including a copy of your insurance card or certificate, is required on all waiver forms.
Family members of covered affiliates are also eligible for one or both parts of the MIT Affiliate Health Plan. Family members are defined as spouses or spousal-equivalent partners, unmarried dependent children under 25 years of age, and dependent children of covered, unmarried dependents.
If you are purchasing coverage for a spousal-equivalent partner, you will need to complete an Affidavit of Spousal-Equivalent Partnership form (PDF). You will also be required to provide proof of family relationship or eligibility for other family members. Please see Family/Dependent Eligibility: Documentation Required for more information
Are you dealing with changing circumstances that may impact your health insurance coverage, such as marriage, a new baby, or loss of other insurance coverage?
You can make changes to your health insurance coverage during open enrollment periods (July 15–September 15 and December 15-February 15 each year), but you can also change your insurance coverage when a "qualifying life event" occurs. The changes you make at that time must be related to the change in your circumstances (such as adding coverage for a new spouse, new domestic partner or new baby). To make a change, you must provide appropriate documentation (for example, a marriage license or birth certificate) within 31 days of the event. Changes to your insurance coverage will be effective on the first of the month in which that event occurred.