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Assurant Health Student Select Insurance (Formerly Fortis) |
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Assurant Health Student Select Insurance is a permanent, renewable individual health insurance. Assurant Health Student Select Insurance is designed for college students under the age of 30. Assurant Health Student Select Insurance moves with you if you transfer schools. Assurant Health Student Select Insurance covers you year-round, not just during the school term and you choose your doctors and hospitals. You are never restricted to an HMO or PPO service area.
Assurant Health Student Select Insurance policy is ideal if you are
- No longer covered as a dependent 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
Assurant Health Student Select Insurance (Formerly Fortis) - Highlights
- Assurant Student Select Insurance is renewable individual health insurance for college students up to age 63
- Assurant Student Select Insurance covers up to $1 million protection, $100,000 per illness or injury - more than many college-sponsored plans offer
- Assurant Student Select Insurance assures guaranteed acceptance to any eligible college student
- Assurant Student Select Insurance offers freedom to choose your own doctors and hospitals - no network limitations
- Assurant Student Select Insurance provides coverage throughout the year, even if student changes schools
- Assurant Student Select Insurance is guaranteed renewable as long as it is needed, even when you are no longer a student
Assurant Health Student Select Insurance (Formerly Fortis)- General Information
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.
That's why Assurant Health created Student Select just for college students . . . specifically those of you who may need to change schools or who may be attending school outside the HMO or PPO region of your parent's health plan. |
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* Products are underwritten by Fortis Insurance Company. |
What is Assurant Health Student Select Insurance?
Student Select is permanent, renewable individual health insurance. It is designed specifically for college students under the age of 30.
Assurant Health Student Select Insurance Plan - Highlights
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If you need to transfer schools, your Student Select coverage moves with you. Student Select is not tied to any one school. There's no need to change coverage or re-apply. In fact, you're covered when traveling anywhere in the United States, its possessions or Canada.
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You choose your doctors and hospitals. You are never restricted to an HMO or PPO service area.
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With Student Select you're covered year-round, not just during the school term. And, if for some reason, you have to leave school, Student Select stays with you for the remainder of the policy year... and then it's guaranteed renewable.
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Student Select guarantees renewability. Whereas most college plans only cover you until you graduate or very shortly thereafter, Student Select can be renewed as long as it's needed . . . and, of course, as long as the premiums are paid. |
Assurant Health Student Select Insurance (Formerly Fortis) - Eligibility Requirements
Student Select Insurance is available to any eligible student. Any full-time college student*(taking nine or more college credits), attending a state accredited college or university, under the age of 30 and is able to answer "NO" to the medical questions on the application, is eligible for Student Select.
You must be a full-time student for a minimum of 31 days following the effective date of your policy.
* Assurant Health will accept the school's definition of full-time.
Assurant Health Student Select Insurance (Formerly Fortis) - How the Plan Works
The Student Select Insurance plan is simple, affordable and easy to obtain. You choose the plan that best meets your needs and budget.
Deductible Options: $250, $500, $1,000, and $2,500
Coinsurance (also referred to as Rate of Payment): 80/20 to $10,000 |
| Benefits are paid as follows: |
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| You pay your calendar year deductible. |
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| Once your deductible is satisfied, Assurant Health pays 80% of the next $10,000 of covered expenses. |
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| Assurant Health pays 100% of your remaining covered expenses up to $100,000 for each illness or injury. Your total plan maximun is $1 million. |
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Assurant Health Student Select Insurance - Preauthorization
If you are insured under a Student Select policy, you must obtain authorization for all hospital admissions, outpatient surgeries and certain other services. The number to call for Student Select preauthorization is 800-454-5105. The Student Select identification card, which is attached to the insurance contract you will receive, also lists the preauthorization phone number.
Assurant Health Student Select Insurance - No HMOs or PPOs
Since Student Select is not an HMO or PPO plan, you can visit the doctor or hospital of your choice. No referrals are needed, no non-network penalties are incurred ... the choice is yours!
Assurant Health Student Select Insurance - Payment Options
You can pay for your Student Select plan on an annual or semi-annual basis. We offer two convenient payment methods of credit card (Visa/MasterCard) or personal check. Both the annual and semi-annual payment options are available with the credit card payment method.
Assurant Health Student Select Insurance - Premium Refunds
If you are not 100% satisfied with the plan, you can return the contract within 10 days of delivery for a refund. If a cancellation request is received after the 10 day free look, a prorated refund will be provided as described in the contract. Simply put your request in writing and fax it to 414-299-6217 or mail it to: Assurant Health, P.O. Box 3176, Milwaukee, WI 53201-3176.
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