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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 ($50 copayment)
  • Outpatient mental health when referred by MIT Medical's Mental Health and Counseling Service
  • Surgical procedures, except cosmetic
  • One annual routine eye exam at MIT Medical
  • Chiropractic care
  • Prescription drugs (one copayment per month depending on drug tier; see Understanding Your Pharmacy Options)
  • Diagnostic lab tests
  • Emergency care outside the United States

Please see the Student Health Plan Overview (PDF) for more information on copayments and coinsurance.


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

Waiving the MIT Student Extended Insurance Plan

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

Waiver deadlines: For fall term, waivers must be submitted no later than September 15. For spring term, waivers must be submitted no later than February 15. For summer term, waivers must be submitted no later than June 15. Please note that the summer term waiving period is only for students registered for the summer term. You must waive the MIT Student Extended Insurance Plan every year.


Student Enrollment Questions

Health Plans Office

Walk-in/Phone Hours
M–F, 8:30 a.m. to 5 p.m.

Coverage Questions

Claims and Member Services

Phone Hours
M–F, 8:30 a.m. to 5 p.m.

Walk-in Hours
M–F, 9 a.m. to 5 p.m.