Application and rates

Student Select covers against unexpected illnesses or accidents.  

The plan provides for high cost items such as hospital stays and surgery as well as everyday occurrences like doctor visits. However, it is important to understand that Student Select is not designed to pay for injuries and illnesses that exist at the time a customer's policy becomes effective. Following are some highlights of the plan benefits.

Summary of Coverage

The following general summary of features on Fortis Health's Student Select plan may vary according to the state in which the insured resides. This summary is not an insurance contract. The policy itself sets forth in detail the rights and obligations of both you and your insurance company. Once you receive your policy, please read it carefully.

Summary of Coverage Grid

Note: This chart is not all-inclusive. The actual contract provides a complete list of benefits, limitations and exclusions. For a complete explanation on policy benefits, limitations and exclusions, see the insurance contract.

More specifically Student Select covers...

Covered charges incurred for: office, inpatient and emergency room visits, including treatment rendered during such visits; surgical services, including necessary post operative care following inpatient or outpatient surgery; services of an assistant surgeon, when we determine the services of an assistant are required to perform the surgery; anesthesia services.
Covered charges incurred for: room, board and routine nursing services that are generally provided to all persons while confined in a hospital. If the covered person is confined in a private room, only charges up to the average semi-private rate of the hospital are covered; inpatient medical care and treatment provided in a hospital; outpatient medical care and treatment provided by a hospital, freestanding ambulatory surgical center or freestanding urgent care center; medical care and treatment provided in an emergency room.
Covered charges incurred for outpatient x-ray, radioactive treatment and laboratory services including one screening mammographic exam per calendar year for a covered female, age 35 or over.
Covered charges incurred for the first 30 days of confinement in a rehabilitation or skilled nursing facility for the covered person per calendar year.
Covered charges incurred for the first 40 home health care visits for the covered person per calendar year.
Covered charges incurred for professional ground or air ambulance service to the nearest hospital that is able to treat the illness or injury.
Covered charges incurred for treatment and diagnosis of vertebrae, disc, spine, back, neck and adjacent tissues. The maximum amount we will pay is limited to $750 for the covered person per calendar year. The $750 maximum does not apply to covered charges incurred for hospital confinements, surgery, anesthesia, drugs, laboratory services, x-rays, MRIs or EMGs.
Covered charges incurred for rental (not to exceed the purchase price) of one basic manual wheelchair, one basic hospital bed, one pair of basic crutches, the initial permanent basic artificial limb or eye and oxygen and the basic equipment needed to administer oxygen; and the initial external breast prosthesis needed because of the medically necessary surgical removal of all or part of the breast, provided the surgical removal was done while the covered person was covered under the plan. Charges for repairs to, replacement of, maintenance of, or enhancement of the whole or parts of such items are NOT covered.
Covered charges incurred for reconstructive surgery required due to an illness which commenced or an injury which occurred while the covered person is insured under the plan.
Covered charges incurred for surgical treatment of temporomandibular joint (TMJ) or craniomandibular joint (CMJ) dysfunction, provided the charges are for services included in a dental treatment plan authorized by Fortis prior to the surgery; charges for nonsurgical treatment of TMJ or CMJ. The maximum amount we will pay for surgical and non-surgical treatment combined is limited to $1,000 for the covered person during his or her lifetime.
Covered charges incurred for the following complications of pregnancy: missed abortion (miscarriage); spontaneous, incomplete or complete abortion (miscarriage); ectopic pregnancy; spontaneous premature delivery of a nonviable fetus; and other medical conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy such as acute pyelonephritis, renal failure, diabetes, cardiac decompensation, malignancy, chronic hypertension and phlebitis.
Covered charges incurred for the covered person's medical evacuation to his or her home country or to a facility operated pursuant to the laws of his or her home country for the care and treatment of illness or injury, should the covered person be admitted as an inpatient to a hospital as a result of illness or injury. The maximum amount we will pay for medical evacuation of the covered person during his or her lifetime is limited to $10,000.
Covered charges incurred for repatriation of the covered person's remains to his or her home country or country of regular domicile should the covered person die while insured under this plan, provided treatment of the illness or injury would have been covered under this plan had the person not died. The maximum amount we will pay for repatriation of the covered person's remains is limited to $10,000.
Covered charges incurred for the following organ transplants: lung(s), heart, heart/lung, liver, kidney, cornea, skin, or allogeneic autologous bone marrow and/or stem cell rescue for acute leukemia in remission, neuroblastoma, advanced Hodgkin's disease, chronic myelogenous leukemia, or severe aplastic anemia. The maximum amount we will pay for any and all organ transplants is limited to $100,000 for the covered person during his or her lifetime.

Although this is a good description of the important features of the Student Select plan, this is not the insurance contract and only the actual contract defines coverage. Benefits may vary by state and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and the insurance company.

 

 

Dental - Click to view rates/application

(Note:  Other plans may be available in your area

If you're interested in an alternative quote click here)

 

The Competitor Smile Dental Plan

A Dental plan for You and Your Family

Quick Facts
The Competitor Smile Dental Plan
 

Choose Maximum Benefit Options
of $1000 or $1500 Per Insured, Per Year
Benefit Schedule Per Insured Person
Care Deductible Benefit Beginning
Preventative
Exams, Cleaning		 $35 Lifetime 80% Day One
Basic*
Fillings, Extractions, X-Rays, Oral Surgery		 $50 Per Year 50% 6 Months
Major*
Crowns, Bridges, Root Canals, Dentures, Perio Surgery		 $50 Per Year 50% 15 Months
Orthodontia**
Straightening of Teeth		 No Deductible 50% 24 Months
*Combined Basic and Major deductible.
**Orthodontia child coverage is Included.
The maximum benefit per insured child per year is $500 up to a lifetime maximum of $1000 per insured child.

ELIGIBILITY AND EFFECTIVE DATE:
You and your spouse age 18 through 64 and your unmarried dependent children under age 19 (or 23 if a full time student) may apply for coverage.

The earliest coverage can begin will be either the 1st or the 15th of the month, but not before HPA receives the application. If the application is received between the 1st and 14th, coverage will begin on the 15th of that month. If application is submitted between the 15th and before the 1st of the next month, coverage will begin on the 1st of the next month.

HOW THIS PLAN WORKS:
This plan reimburses you for covered dental expenses based upon a percentage of the Reasonable and Customary* (R&C) fees for those Covered Expenses.

This plan is affordable for you and your family!

*Reasonable and Customary fees are charges that do not exceed the general level of charges being made by other providers of dental services in the state where the charge is incurred.