Health Reimbursement Account
It is not reasonable to expect WHOI-based students* who are ill or injured to travel to MIT Medical to receive urgent or emergency care. WHOI-based students covered by MIT extended insurance who are unable to seek care at MIT Medical for conditions requiring prompt, but not immediate, attention (sprains, earache, high fever, etc.) are eligible to make up to eight office visits per year at a physician’s office within the Blue Cross Blue Shield PPO network. To find in-network hospitals or providers, click here.
The HRA is also available for WHOI-based students with chronic illnesses who are reequired to make frequent doctor visits.
How it works:
- For emergency care (e.g. heart attack, stroke or poisoning), go to an in-network hospital emergency room - $100 copay if not admitted to the hospital
- For urgent or chronic care, see an in-network doctor or clinic - $25 copay
- You should receive an Explanation of Benefits from BCBS. They may charge you a copay and 20% co-insurance.
- If there is a cost incurred that would not have been incurred if you had gone to MIT Medical, submit a completed Reimbursement Claim Form (under Related Files) with the original medical bill to Benefit Strategies. If approved, you will receive reimbursement for your copay and co-insurance up to $1,000 per year. Students who exceed the $1,000 maximum may request an exception to the limit.
* Check with the WHOI Registrar or JP Administrator at MIT to determine if you are considered to be a WHOI-based student.