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.

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How does the Student Select medical Insurance satisfy the needs of college students?

The Student select medical insurance plan works for students in all of the following circumstances No longer covered as a dependant under your parent’s plan Attending school outside an HMO or PPO region Required to have coverage but choose not to participate in a college-sponsored plan Finding a traditional individual medical or other current coverage to be too expensive

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Does Study USA-HealthCare cover pre-existing conditions?

Sometimes. Pre-existing conditions are defined by the policy as “an injury, illness or condition which was contracted or which first manifested itself, or for which a licensed physician was consulted; or for which treatment or medication was prescribed, within 12 months prior to the effective date of the Covered Person’s coverage under this Program. Pre-existing conditions shall be excluded from coverage for a period of 12 months following the effective date of coverage under this program unless stipulated by State or Federal regulation. A Covered Person must be continuously insured. The maximum amount payable for a Pre-existing condition is $10,000.” […]

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