Student Health Insurance By Top Rated Companies
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Time Individual Health Insurance Quotes
I
About Time Insurance Company I
About Time Individual Health Insurance Products
 Student Health
Insurance
Coverage Highlights
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 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.
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Feature |
Student
Select |
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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)
This is the percentage of covered medical
expenses Assurant Health pays after the
deductible is met.
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- 80% of the next $10,000 in
covered expenses
- Assurant Health pays 100%
thereafter to $100,000
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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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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.
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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.
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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.
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Covered
charges incurred for the first 30 days of
confinement in a rehabilitation or skilled nursing
facility for the covered person per calendar year.
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Covered
charges incurred for the first 40 home health care
visits for the covered person per calendar year.
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Covered
charges incurred for professional ground or air
ambulance service to the nearest hospital that is
able to treat the illness or injury.
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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.
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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.
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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.
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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 us 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.
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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.
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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.
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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.
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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.
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AL, AR, AZ, CO,
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MI, MS, NC, NE,
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AL, AR,
AZ, CO, FL, GA,
IL, IN, IA, KS, KY,
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UT, VA, WI |
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Available In All
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AR, IL, IN,
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PacifiCare |
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for
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29724 F00-0283-LC), and a major resource for individual and family coverage.
HealthInsuranceQuotesAmerica is independent of any company or company
products offered. Depending on the plan and the state of residence, plans may vary.
The quotes generated by this program are not a contract, binder, or agreement to extend coverage and are based on the listed factors and
the applicable underwriting criteria for the rate shown. The exact
premium can only be determined after an underwriting review and may
be different or the policy may not be available. Your information is only shared with the company underwriter and never distributed in
any
other way.
All health insurance
definitions defined here are to be understood as being general definitions.
These definition may vary by insurance company and may be found in the
company policy or certificate of insurance. Not all products from all companies are available in all
states.
Advise Notice: We do not provide legal advice on this site. The general information presented on various legal aspects of plans herein
are not intended to be relied upon as legal advice. Individuals should always seek
the advice of a qualified legal professional.
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