How are mental health services covered if I have the MIT Student Extended Insurance Plan?
All registered MIT students can receive mental health services at MIT Medical at no charge as part of the MIT Student Medical Plan, which is included with tuition. If you are referred to a clinician outside of MIT Medical, those services would be covered by whatever additional insurance plan you have—the MIT Student Extended Insurance Plan or your parents’ insurance plan. The Extended Plan uses Blue Cross Blue Shield (BCBS) for its outpatient mental health benefit, which means that any outside clinician you see must be a BCBS provider. (Almost all mental health professionals in Massachusetts are BCBS providers.) The Plan pays for 24 visits per year. It pays 100 percent of the cost for the first 12 visits and 80 percent of the cost for the next 12 visits. You should not schedule more than one session per week.
