Frequently Asked Questions - Benefits

Q. Are there additional benefits available?

A. Maternity benefits are available in most states for an additional charge. Additional benefits such as psychiatric, substance abuse/mental illness, alcohol, rehabilitation vary by state. E-mail or call us at 1-800-341-3534 if you would like additional information.

Q. I have had an on-going health problem since childhood. My current insurance plan covers my condition. It appears I qualify for coverage under Student Select since I meet the definition of an eligible student. Will my current medical problems be covered by Student Select?

A. Individuals should always be cautious when considering a health insurance change. The benefits and risks of changing plans should be balanced against each individual situation. While Student Select may offer a more affordable premium or higher maximum benefits for your condition, in most cases pre-existing conditions will not be covered until Student Select has been in effect for 12 months. Pre-existing conditions are those for which individuals received medical advice, diagnosis, treatment or services from a physician within the 12-month period prior to the covered person's effective date. Student Select does comply with all state requirements for preexisting conditions and for continuity of coverage. We would be happy to discuss your situation with you. Please call us at 1-800-341-3534.

Q. Does Student Select cover me when I go out of state?

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

Q. Why is there no prescription drug coverage?

A. Prescribed drugs are covered if you are hospitalized as an inpatient. Since, outpatient drugs are provided through most university health centers, they are not a covered benefit with Student Select. This helps keep the plan affordable.

Q. How often does my deductible start over?

A. Student Select's deductible is a 'calendar-year deductible'. This means that it starts over again on the first day of each new calendar year. We realize that you are less likely to meet your deductible and have us pay benefits if you get ill or get hurt in the last few months of a year. That is why Student Select includes a 'carryover deductible' feature. The 'carryover' feature looks at any covered charges you have in October, November or December of any year that go toward meeting your deductible. Fortis Health will 'carry over' the full amount of these charges to the next year to help you meet your new calendar-year deductible.

Q. How does Student Select pay my benefits?

A. When applying for coverage, you select a calendar-year deductible amount which you pay first.

$250 or $500 or $1000 or $2500

Once you meet your deductible amount, Student Select pays 80% of the next $10,000 of covered charges each year.

$8000 paid by Fortis Insurance Company
$2000 paid by you

Then, Student Select pays 100% of your remaining covered expenses for the remainder of the calendar-year, up to $100,000 for each illness and injury and up to $1 million total plan maximum.

100% paid by Fortis Insurance Company

At the beginning of each calendar year, your deductible starts over. Any payments you make during October, November and December that go toward meeting your deductible that year are carried over by Student Select to satisfy your deductible for the new calendar year. This carryover deductible helps you maximize your late-year health care payments.

FAQ Topics
General Information	Eligibility	Back to FAQs

• 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 

Tell us what you think of our service.  We want your experience with us to be the best that dealing with insurance can be.  If you need anything service related, please contact us or complete our service request form.

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