Health Insurance for College Students

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Student Select: Affordable Health
Insurance For College Students
 

Tuition, books, rent, food, fun . . . health insurance ?

With all the things you have to pay for in college, paying for health insurance is probably last on your list. But what’s last on your list could be the first thing to put you at serious financial risk. Think about this - if your currently without health insurance, just one knee injury could cost you up to $12,000*.

That’s why Fortis Health created Student Select - renewable, individual health insurance for college students. If you are an undergraduate with nine or more credits or a full-time graduate student, and are attending an accredited college or university, you are eligible to apply for student select if you are under the age of 30.

Student Select is ideal if you find yourself in one of the following situations:

Are You no longer eligible for coverage under your parents’ health plan? Many health plans only cover you up to age 19-23, or they require you to have more college credit hours than Student Select.

Does your college or university require coverage but you find the college-sponsored plan inadequate? Many college or university plans offer “bare bones” benefits that may not be enough to give your financial security against large, unexpected expenses.

Do you attend school outside an HMO or PPO region? Restrictions on coverage outside HMO or PPO service areas may leave you with inadequate protection.

Is your current health coverage too expensive? Traditionally, individual major medical plans cost two to three times as much as Student. Select. The cost to include a student on an employer’s health as a dependent can be very expensive.

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Here’s How Student Select Works

You choose the deductible that best meets your needs and budget:

$250, $500, $1000, $2500

Since this plan is not an HMO or PPO, you pick your doctors and hospitals.

If you change schools, take a semester off or have to leave school, Student Select travels with you. And, because Student Select is guaranteed renewable, you can keep your coverage for as long as it’s needed, as long as you pay your premiums.

Benefits are paid as follows:

First: You pay your calendar year deductible.

Then: Once your deductible is satisfied, Fortis Health pays 80% of the next $10,000 of covered expenses.

Thereafter: Fortis Health pays 100% of your remaining covered expenses up to $100,000 for each illness or injury. Your plan maximum is $1 million.

Plan Highlights

•  Up to $1million protection, $100,000 per illness or injury
•  Freedom to choose your own doctors and hospitals
•  Semi-private room and board
•  Office visits
•  Emergency Care
•  Surgery
•  In-hospital and outpatient services
•  X-ray and laboratory services
•  Home health care
•  Ground or air ambulance
•  Medical equipment and supplies
•  Intensive care
•  Medical evacuation benefit

Plan Exclusions

It is important to understand that Student Select is not designed to pay for injuries and illnesses that existed prior to your policy effective date. Expenses for these pre-existing conditions incurred during the first 12 months of the policy are not covered in most states. Student Select also does not cover normal pregnancy or childbirth; sterilization, treatment for infertility, genetic testing or counseling; weight reduction or weight control programs and related surgery; medication to stimulate growth; dental treatment; routine physical exams and immunizations; removal of tonsils or adenoids; custodial care; mental illness or substance abuse; intercollegiate sports injuries; prescription drugs; free services; intentionally self-inflicted injury; cosmetic treatment or surgery; hearing aids, contacts lenses, eyeglasses, eye exams; and charges incurred outside the United States, its possessions or Canada. Other exclusions as well as other covered services are listed in detail in the policy or certificate you will receive when you purchase Student Select.

Money Back Guarantee !

If you are not 100 percent satisfied with the plan, you may return the contract within 10 days of delivery for a full refund. No questions asked!

* Based on an average 1997 Fortis Health Student Select claim.

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Health of America Insurance Agency
2901 S Wayzata Blvd., Minneapolis, MN 55405-2126
Phone: 612-377-3222 or Toll Free 1-800-868-2333
Fax: 612-377-3444
Business hours: M-F 8:30 am - 5:00 pm CST

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