College-Sponsored Plan too "Bare-Bones"
Situation:
Jack is heading off to college in the Fall. His school is
requiring that he have some type of health insurance prior to the start of school. Since
he will be out of the PPO network region of his parent's health plan, Jack's parents want
to make sure he has adequate health coverage. They did some research and found that the
college plan is too "bare bones". It had a very low maximum benefit with a lot
of other limits.
Solution:
Jack's situation is ideal for Student Select. It was
designed specifically for students who need greater coverage at an affordable rate while
attending college. The Student Select plan offers a choice of deductibles, and because it
is not an HMO or PPO plan, Jack can pick the doctor or hospital he wishes to visit. The
plan allows for up to $1 million protection for eligible expenses, including in-hospital
and outpatient services, emergency care and surgery.
Going to College Outside HMO or PPO Network
Situation:
Julie will be attending school out of state.
Unfortunately, the PPO plan she has through her parents does not cover her fully outside
of the service area. Her parents are concerned because they know that even a minor illness
could put all of them at serious financial risk.
Solution:
Restrictions for coverage outside the PPO health plan may
leave Julie with inadequate protection. However, she can rest easy because Student Select
may be just the solution she is looking for. Student Select a permanent, individual health
plan that is not an HMO or PPO. This means Julie will be protected in the event of an
illness or accident and can pick the doctor or hospital of her choice.
Can't Afford a Traditional Individual Medical Plan
Situation:
Amy will be attending college next semester. However, the
HMO plan she is on with her parents doesn't fully cover her outside of the service area.
While there are plenty of expenses she is sharing with her parents, including tuition,
books, rent, and food, she just can't afford the additional cost of a traditional
individual medical plan. She needs a plan that can better fit her budget because she
definitely can't afford to go without coverage.
Solution:
In many cases, Student Select costs less that a
traditional individual medical plan. It was designed specifically for students who need
quality coverage at an affordable rate while attending college. The Student Select plan
offers a choice of deductibles, and because it is not an HMO or PPO plan, Amy can pick the
doctor or hospital she wishes to visit. The plan allows for up to $1 million protection
for eligible expenses, including in-hospital and outpatient services, emergency care and
surgery. Amy even has the option to pay her premiums on an annual or semi-annual basis.
Graduate Student No Longer Eligible for Parents Plan
Situation:
Bob is in graduate school and is about to turn 24-years
old. He just found out that once he does, he will no longer be covered under his parent's
health plan. His parents are worried about him not having health insurance.
Solution:
Don't worry mom and dad, Student Select is ideal for
Bob's situation. The plan is available to full-time graduate students and coverage can be
obtained as early as the next day. Enrollment is simple and premiums are affordable. Best
of all, Student Select is guaranteed renewable. This means Bob can keep the plan as long
as he needs it, as long as premiums are paid. This is important after graduation while
looking for a job.
|
