No matter what your specific needs, a Student health insurance plan can provide you with a valuable health insurance solution. Here are some examples illustrating how a Student health plan (e.g. the Student Select plan offered by Fortis Health) might help you:

Situation #1 (College-Sponsored Plan too "Bare-Bones"):
Jack is heading off to college in the fall. At college, he'll be outside of the HMO network region of his parents' health insurance plan, but Jack's parents want to make sure he has adequate health coverage. They did some research and found that the health insurance plan offered through the college is too "bare bones," with lots of limitations on coverage.

Jack's 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 in protection for eligible expenses, including in-hospital and outpatient services, emergency care and surgery.

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Situation #2 (Can't Afford a Traditional Individual Health Insurance Plan):
Amy will be attending college next semester. Her school requires that she have some type of health insurance prior to the start of school. However, Amy doesn't have health insurance through her parents. And, she just can't afford the cost of a traditional individual health insurance plan. She can't risk going without coverage, but she needs a plan that will fit her tight budget.

Amy's Solution:
In many cases, Student Select costs less than a traditional individual health insurance plan. It was designed specifically for students who need quality coverage at an affordable rate while attending college.

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Situation #3 (Graduate Student No Longer Eligible for Parents' Plan):
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 parents' health plan. His parents are worried about him not having health insurance.

Bob's Solution:
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 that, provided that Bob attended school full time for 31 days after the policy effective date, 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.

Since a Student health plan (e.g. a Student Select plan offered by Fortis Health) is not an HMO or PPO plan, you can visit the doctor or hospital of your choice. No referrals are needed, no out-of-network penalties are incurred ... the choice is yours!

Yes. The insurance company (Fortis Health) uses an authorization service which ensures you receive the most appropriate and cost effective care available. Trained staff work with you and your physicians to review the course of treatment and advise you of your eligibility for benefits. The identification card you receive with your policy provides a toll-free number for easy access to this service.

You must be an eligible college student between the ages of 17 to 29 to purchase a Student health insurance plan.

An eligible undergraduate student is defined as a person carrying at least nine credit hours. An eligible graduate student must meet the graduate student guidelines of the college or university for full-time student status. Students must attend a state-accredited college or university in the United States.

NOTE: Some schools operate on a quarterly schedule where full-time undergraduate status is considered to be six to eight credits per term. If this is the case, you should tell us in writing (attached to the application) that you are attending a school with a quarterly class schedule and are meeting the school's definition of full-time status.

No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number or a check for the first premium payment. Most insurance companies will not charge your card or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund.

A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.

Yes, as long as you are attending school in the United States and meet the eligible student requirements defined above.

The Student insurance plans are designed for individual college students only and do 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.

An informed answer depends on several factors. You may want to consider a separate Student plan for your child if one or more of the following apply to you:

On the other hand, a separate Student plan may not be appropriate if:

With a Student insurance plan you're covered year-round, not just during the school term. And, if for some reason, you have to leave school, your coverage stays with you for the remainder of the policy year... and then it's guaranteed renewable.

A Student insurance plan travels with you anywhere in the United States, its possessions, and Canada. And, although it does not cover you in a foreign country, a Student plan does cover you for an emergency medical evacuation to the home country or a facility operating within its laws.

If you need to transfer schools, your Student coverage moves with you. Student coverage 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.

No, not as long as:

No, not as long as:

You can apply as soon as you are enrolled as an eligible student. But, keep in mind the full premium must be paid with the application. The policy will be sent out as soon as it is issued. We would prefer that the application not be completed more than 60 days prior to the requested effective date.

It depends on how you pay for your coverage. If you are submitting your application:

You also have the option of selecting a coverage start date up to 60 days in the future. But please note that the coverage cannot start on the 29th, 30th, or 31st of a month.

Student health insurance is renewable as long as you need it. Whereas most college plans only cover you until you graduate or very shortly thereafter, the Student plans offered on our site can be renewed as long as they're needed... as long as your premiums are paid.

Yes. We believe in providing you with top-quality customer service. Our customer care center is staffed with licensed health insurance agents and knowledgeable representatives, ready to assist you.

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