Massachusetts Institute of Technology (MIT) 보험회사 : Student Extended Insurance Plan

General Requirements

Massachusetts has set minimum standards for qualified student health insurance programs. All MIT students must have health insurance that meets these requirements. Students enrolled at MIT have the option of enrolling in the MIT Student Extended Insurance Plan or waiving this coverage if they are enrolled in a U.S.-based health insurance program that meets Massachusetts requirements. This coverage must be in effect for the entire academic year. You are responsible for determining whether your health insurance meets these requirements. Because of the extremely high cost of medical care in Boston, we recommend that your coverage be comparable to the MIT Student Extended Insurance Plan. In addition, make sure your insurance plan covers services while you are in Massachusetts.

Your coverage must include all benefits mandated by Massachusetts insurance law, including (but not limited to):

• Treatment for mental and nervous conditions (including biologically based conditions and rape-related post-traumatic symptoms) for up to 60 inpatient days per year
• Alcohol and drug abuse treatment
• Emergency services
• Maternity care
• Christian Science practitioners, with the same exclusions, limitations, and benefit levels as other services
• Ambulance transport in an emergency, subject to a $25 deductible, up to a maximum of $125 per illness or injury
• An annual deductible of no more than $250

If there are overall maximum limits, coverage for all benefits for each illness or accident must be at least $25,000.

Inpatient hospitalization requirements

Hospital charges for room and board and special services in a semiprivate or intensive care unit must be covered at 80 percent of allowed charges for each illness or accident.

Physician fees (excluding surgery) must be covered at 80 percent of allowed charges for each illness or accident.

Surgical services must be covered at 80 percent of allowed charges for expenses actually incurred for surgery, up to a maximum of at least $5,000 for each surgical procedure. This includes coverage for anesthetist or assistant surgeon services up to 30 percent of the amount reimbursed under the surgical coverage.

Outpatient services requirements

Basic benefits for expenses actually incurred in a physician's office, hospital outpatient department or emergency room, clinical lab, radiological facility, or other similar facility licensed by the state must be covered at 80 percent of allowed charges, up to a maximum of at least $1,500 for each illness or accident. A deductible or copayment may be charged for each visit but cannot be larger than:

• $100 for each hospital or emergency room visit that does not result in an admission
• $50 per visit to a hospital outpatient department
• $25 per visit to a physician's office

Surgical services are covered at the same rate as listed above for inpatient surgery.

High-cost procedures (over $200) must be covered at 80 percent of allowed charges up to a maximum of at least $2,000 per illness or injury.

Outpatient mental health must fully cover at least 24 outpatient visits per year. For biologically based conditions, treatment of rape-related post-traumatic symptoms, and care for persons under age 19, coverage must be at least as extensive as coverage for outpatient medical conditions.

Outpatient contraceptive services, if offered, must be offered on the same terms and conditions as all other outpatient services. If prescription drug coverage is offered, it must cover FDA-approved contraceptive drugs on the same terms and conditions as all other drugs.

For J-1 visa holders only

Students with J-1 visas under MIT visa sponsorship must have insurance that not only meets state requirements, but also meets United States Department of State regulations for themselves and their spouses and children who accompany them. These requirements include:

• Medical benefits of at least $50,000 per accident or illness
• In case of death, repatriation of remains in the amount of $7,500
• In case of serious illness or injury, payment of expenses associated with the medical evacuation of the student to their home country in the amount of $10,000
• A deductible not to exceed $500 per illness or accident