Get answers to common questions.
- How can college students meet their needs with a Student insurance plan?
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 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 Insurance Plans. These plans are designed specifically for students who need greater coverage at an affordable rate while attending college. Student Insurance Plans offer 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. *** 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 Insurance Plans cost less than a traditional individual health insurance plan. They were designed specifically for students who need quality coverage at an affordable rate while attending college. *** Situation #3 (Graduate Student No Longer Eligible for Parents' Plan):Bob is in graduate school and is about to turn 26-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 Health plans are ideal for Bob's situation. The plans are 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, as long as the premiums are paid, Bob can keep the plan for the entire duration of the policy period, even if he graduates prior to the policy ending. This is important after graduation while looking for a job.Close
- Which doctors or hospitals can I visit?
Since a Student health plan 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!Close
- Do healthcare services need to be preauthorized?
No. Our current offerings are indemnity plans which means you can visit any doctor or hospital that you choose. Payment of service are based on usual, customary and reasonable charges for the area where services have been rendered, and according to the benefits outlined in the plan chosen.Close
- Who can purchase Student health insurance?
You must be an eligible college student at least 17 years of age. An eligible student can be full time (9 units), part time (6 units) or even non-traditional.Close
- If I apply for an insurance plan, am I obligated to buy?
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 include your credit card number for the first premium payment. Most insurance companies will not charge your card 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.Close
- Are foreign exchange student eligible for coverage?
If students are enrolled in school based in the united states and are studying overseas for a semester, then they are covered. Students who are not United States citizens, and are taking classes in the United States are not eligible for coverage.Close
- Can I add my family members (spouse and dependents) to my policy?
There are individual policies and individuals with dependant policies. If there is a need to cover a wife and/ or child(ren) then you would need to enroll in the plan that includes dependant coverage. A spouse does not have to be enrolled in college to be covered. Student plans do, however, comply with any state requirements for the coverage of newborns.Close
- As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?
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:CloseYou are currently satisfied with the coverage, cost, and benefits of your current medical plan.
- The HMO or PPO network for your insurance plan does not have physician or hospital coverage in the area around your child's college.
- Your child is nearing the age at which he or she can no longer be covered under your plan. Often times this is around 26 years of age, but you should check with your insurance company to find out the specific age limits for your current policy.
- The cost savings of removing your child from your insurance plan is greater than the cost of the separate Student insurance plan. To determine if this is the case, get a quote on this website for a Student plan for your child, and then compare that to the cost savings of removing your child from your standard medical plan (you may need to contact your insurance company to determine this amount).
- Am I covered year-round, or just while school is in session?
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.Close
- Will I be covered when I go out of state?
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.Close
- What happens if I transfer schools?
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.Close
- Will coverage be in jeopardy if I drop a class?
No, not as long as:Close
- You met the definition of an eligible student on the date the application was signed;
- The premium is paid in full.
- If I graduate or drop out of school will I lose my coverage?
No, provided that you attended school full-time for 31 days after the policy effective date, you are covered for 365 days from your enrollment date, as long as premiums are paid.Close
- How far in advance of the beginning of school can I apply?
You can apply within 30 days of the start of your classes. The policy will be sent out as soon as it is issued.Close
- When does my coverage begin?
Coverage can begin as soon as the day after you apply, or up to no more than 30 days after you apply.Close
- How many times can the insurance plan be renewed?
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.Close
- Can I contact someone if I need help?
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.Close
- Call UsOur licensed health insurance agents and knowledgeable representatives are ready to help you. Just call 877-731-9560 24 hours a day 7 days a week.
- Email UsClick here to send us an email. One of our knowledgeable customer care representatives will reply to you soon. Please note that our licensed health insurance agents can discuss insurance plan benefits and rates only by phone.
- Chat Online with UsClick here for a real-time, online chat session with one of our knowledgeable customer care representatives. Our chat option is available , excluding holidays. Please note that insurance plan benefits and rates can be discussed only by phone with one of our licensed health insurance agents.
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