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.
* Products are underwritten by Time Insurance Company.
Student Select is permanent, renewable individual health insurance. It is designed specifically for college students under the age of 30.
Student Select 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.
The Student Select 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:
 |
You pay your calendar year deductible. | |
 |
Once your deductible is satisfied, Assurant Health pays 80% of the
next $10,000 of covered expenses. | |
 |
Assurant Health pays 100% of your remaining covered expenses up
to $100,000 for each illness or injury. Your total plan maximum is $1
million. | |
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.
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!
You can pay for your Student Select plan on an annual or semi-annual basis. Two convenient payment methods of credit card (Visa/MasterCard) or personal check are offered. Both the annual and semi-annual payment options are available with the credit card payment method.
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
(972) 767-4470 or mail it to:
Insubuy®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093.
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