Student health insurance from Fortis Health -- Student Select

James Zander & Associates
The Benefit Place

Health coverage that
protects you year round!

Here's What's Covered:

Student Select coverage is created for today’s undergraduate and graduate college students. It covers you against unexpected illnesses or accidents. It provides for high cost items such as hospital stays and surgery as well as everyday occurrences like doctor visits. Student Select allows you to pick your hospitals and physicians, covering your medical care in hospitals, at freestanding ambulatory surgical centers, or at urgent care centers. More specifically Student Select provides...

Physician office visits for illness or injury.

Physician services including inpatient and emergency room care, and surgical care including anesthesia services and postoperative care.

X-rays and laboratory services for outpatient x-ray, radioactive treatment and laboratory services. Covered services include one screening mammogram per calendar year for females 35 years or over.

Emergency care including ground and air ambulance to the nearest hospital able to treat the illness or injury.

$1 million lifetime protection - $100,000 per illness or injury.

Medical evacuation when medically necessary after illness or injury resulting in hospital admission. Evacuation will be to home country or to a facility operating within the laws and standards of home country. Coverage is up to $10,000 per lifetime.

Semi-private hospital room rate with no limit on days.

Intensive care and coronary care units with no limit on days.

Organ transplants including lung, heart, heart/lung, liver, kidney, cornea, and skin. Lifetime maximum benefit of $100,000 for services from donor search through follow-up care for 12 months post transplantation.

Inpatient and outpatient surgery including reconstructive surgery for an illness or injury commencing while covered under the policy.

Physical medicine for outpatient treatment of vertebrae, disc, spine, back, neck and adjacent tissues up to $750 per calendar year.

Home health care including services administered during a home health care visit such as nursing care, intravenous drug therapy, and occupational/physical/ respiratory/speech therapies. Coverage is up to 160 hours of visits per calendar year. A visit can be from 15 minutes up to four hours.

Medical equipment and supplies such as crutches, wheelchair and oxygen.

Rehabilitation and skilled nursing facility charges for up to 30 days following illness, injury or hospitalization.

Temporomandibular (TMJ) or Craniomandibular (CMJ) Joint Dysfunction services including diagnostic exam and x-ray, injections, physical therapy and surgical treatment up to $1000 per lifetime.

Complications of pregnancy including miscarriage, ectopic pregnancy and spontaneous premature delivery of a nonviable fetus if the pregnancy begins and ends while the covered person is covered under Student Select. Also covered are medical conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy such as diabetes and chronic hypertension.

Repatriation benefit which covers preparation and transportation of the insured’s remains to his or her home country or country of regular domicile if death occurs while insured, and cause of death is a covered illness or accident. The repatriation benefit is $10,000 over and above any other maximum benefit amounts.

Additional benefits that your policy will clearly explain.

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. Please read your policy carefully when you receive it.

If you would like more specifics on Student Select contract benefits and limitations now, please click below for a more detailed summary of coverage.

Go to Full Student Select Summary of Coverage

What is not covered?

It is important to understand that Student Select is not designed to pay for injuries and illness that exist at the time your policy becomes effective. Expenses for these pre-existing conditions incurred during the first 12 months of the policy are not covered in most states. Student Select also does not cover normal pregnancy or childbirth; mental illness or substance abuse, routine physical exams or eye care; intercollegiate sports injuries; charges incurred outside the United States, its possessions or Canada. Other exclusions as well as other covered services are listed in detail in the policy or certificate you will receive when you purchase Student Select.

Read your policy carefully

Although the above provides 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. The policy itself sets forth in detail the rights and obligations of both you and the Insurance Company. PLEASE READ YOUR POLICY CAREFULLY when you receive it.

Get general information
Find out about the coverage
View our FAQ's
Calculate your premium apply by clicking on the appropriate state below and printing the application. Once the form is completed, if paying by credit card, please fax it to 214-599-9813 and mail the original of the application to the address on our contact us page. If paying by check, please mail the application to the address on our contact us page along with the check.
CA, CT, GA, IA, IL, KY, LA, MD, MN, MO, NC, NE, OH, OK, SC, TN, TX, VA, WI

Do you need to save money?
Would you like to get big discounts on healthcare like insurance companies do? You can add this plan to your temporary coverage to get discounts on the care below. You also get huge savings on many procedures that are elective or experimental? These are procedures that are generally not covered by most insurance plans. The cost is low - $12.95 per month for single coverage and $16.95 for family coverage in the United States (except for California, which is $19.95 single and $24.50 for family coverage). You can even save 25% off the cost of the plan if you purchase it on an annual basis. Click here to get more details about our discount plan. It is not insurance, but it can save you big bucks on:

Health Care
Prescription Drugs
Dental Care
Vision Care
Hearing Care

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