Will I lose coverage when I graduate or if I leave school?
No you will not lose coverage as long as you attended school full-time for 31 days after the policy effective date. The Student policy stays with you as long as you need it.
Read more »What happens if I transfer schools?
The student coverage is not tied to any one school and will move with you if you transfer schools.
Read more »Will I be covered when I go out of state?
The student insurance plan can move with you anywhere in the United States and Canada.
Read more »Does the student insurance provide coverage throughout the year, or just during the school term?
The student insurance provides coverage throughout the year, not just when the school is in session. If you leave school, your coverage continues for the remainder of the policy year. This insurance can also be renewed.
Read more »Do I need authorization for availing healthcare services?
Yes. The Assurant (formerly Fortis) insurance company uses an authorization service. This ensures that you receive the relevant and cost effective care available. Trained personnel with work with you and the doctors to review the course of treatment and advise you of your eligibility for benefits. The identification card you receive with your student select policy provides a toll-free number for easy access to this service.
Read more »Are there any network coverage limitations?
You can visit any doctor or hospital you like as the Student Select plan offered by Fortis Health is not an HMO or PPO plan. No referral is needed and no penalty is incurred for out-of-network service.
Read more »Can I purchase student insurance for family members (spouse and dependents)?
The Student Select insurance plan is designed for individual college students only and does not cover spouses and/or dependents. Student plans do, however, comply with any state requirements for the coverage of newborns. If you have a spouse who is also a full-time college student, a separate application can be submitted for that person.
Read more »Who can purchase the Student select health insurance?
Students till the age of 30 are eligible to purchase the Student select health insurance plan. The student eligibility requirements are as follows. An eligible undergraduate student is defined as a person carrying at least nine credit hours. If your university follows the quarterly system, please state it in your application along with showing your satisfying the requirements for full-time student status. An eligible graduate student must meet the graduate student guidelines of the college or university for full-time student status.
Read more »As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?
The answer depends on your specific circumstances. The following are some factors that might influence you to buy separate student insurance: Your child is nearing the age at which he or she can no longer be covered under your plan. This is usually around the age of 24 years however do check with your insurance company to find out the specific age limits for your current policy. The cost savings of removing your child from your insurance plan is greater than the cost of the separate Student insurance plan. To determine if this is the case, get a quote on […]
Read more »If I apply for an insurance plan from your site, am I obligated to buy?
No. You are under no obligation to buy a health insurance plan when getting a quote from this web site. After submitting your application you may cancel it at any time.
Read more »