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Medical Insurance - Assurant Health |
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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.
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Summary
of Coverage
The
following general summary of
features on the 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. (Get
plan details and an online
quote)
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| Feature |
Student
Select
Print
Brochure &
Application |
| Policy
Maximum |
- $1
Million Lifetime
- $100,000
per illness/injury
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| Plan
Deductible
This
is the annual amount a
customer pays before
benefits are paid.
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- Individual:
$250, $500, $1,000,
$2,500
- This
is a calendar year
deductible
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| Coinsurance
(also
referred to as Rate
Payment)
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- 80%
of the next $10,000
in covered expenses
- Assurant
Health pays 100%
thereafter to
$100,000
- Coinsurance
is the percentage of
covered medical
expenses Assurant
Health pays after the
deductible is met.
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| Prescription
Drugs |
- Only
inpatient
prescriptions are
covered. Cost is
subject to
deductible and
coinsurance. There
is no copayment and
no prescription card
is issued.
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| Office
Visits |
- Subject
to deductible and
coinsurance
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| Wellness
Benefit |
- Not
covered except where
state mandated
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| Hospital
Room and Board |
- Semi-private
rate, subject to
deductible and
coinsurance
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| Intensive
Care |
- Subject
to deductible and
coinsurance
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| In
and Outpatient Surgery |
- Subject
to deductible and
coinsurance
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| Lab
and X-ray |
- Subject
to deductible and
coinsurance
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| Substance
Abuse, Mental/Nervous
Disorders |
- Not
covered except where
state mandated
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| Medical
Evacuation |
- Coverage
is up to $10,000 per
lifetime 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.
(Not available in
all states)
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| Repatriation
Benefit |
- Benefit
is $10,000 over and
above any other
maximum benefit
amount. (Not
available in all
states)
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| Pregnancy |
- Normal
pregnancy is not
covered.
Complications of
pregnancy are
covered but are
subject to
deductible and
coinsurance.
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| Pre-Existing
Conditions |
- Not
covered for the
first 12 months
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| Extension
of Benefits |
- Coverage
may be extended up
to 12 months if the
covered person is
confined as an
inpatient in a
hospital on the date
coverage terminates,
due to an injury
sustained or an
illness which
commenced while the
policy was in force.
The extension of
benefits provision
applies only if the
covered person
remains confined as
an inpatient in a
hospital beyond the
termination date.
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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. Student Select
contracts are underwritten by
Time Insurance Company (Rated A-
Excellent by AM Best).
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home
| products | about us |
policy services | contact us |
privacy
policy
- Long Term Consumer Care,
Inc.
- N27 W23960 Paul Road Suite
201 ~ Pewaukee, WI 53072
- Toll Free:
1.800.544.9505 Fax: 1-262.523-1910
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LTCC
is a trademark of Long Term Consumer Care, Inc. All
other products mentioned are registered trademarks of their
respective companies. LTCC, Inc. is a licensed health
insurance agency and only accepts business from appointed
agents.
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Save
time and apply securely online with eSign. With
instant online acceptance the Assurant Student Select
plan can begin as early as the
following day. You
can pay for your plan online by credit card. You can
also complete the online application and mail in your
payment. Want
to apply offline? Click Here if you would like to print
the application & brochure. |
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Graduate
Student No Longer Eligible for Parents Plan
Situation: Bob
is in graduate school and is about to turn 24-years
old. He just found out that once he does, he will no
longer be covered under his parent's health plan. His
parents are worried about him not having health
insurance.
Solution: Don't
worry, Student Select is ideal for Bob's situation.
The plan is 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, Student Select is guaranteed renewable. This
means Bob can keep the plan as long as he needs it, as
long as premiums are paid. This is important after
graduation while looking for a job. |
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