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Call Us at 1-866-465-1540 for a Free, No-Obligation
Rate Quote! Why You Would Need
Student Health Coverage:
- View our Student
Medical Insurance Frequently Asked Questions
- No longer covered as a dependant under your parents plan.
Many health plans only cover you up to age 19-23, or they
require you to have more college credit hours than you currently
have. (minimum of 9 credit are required for coverage)
- You are enrolled in a vocational school and will need
coverage
- Attending school outside an HMO or PPO region. Restriction
on coverage outside HMO or PPO services areas may leave
you with inadequate protection
- Required to have coverage but choose not to participate
in a college-sponsored plan. You may find that coverage
at Universities and Colleges is inadequate; commonly these
plans are “bare-’bones”
- Finding your current medical coverage is too expensive?
Traditionally, individual major medical plans cost two to
three times as much as a student medical policy.
- A parent, who is paying for high additional premiums,
to cover you child as a dependent on your employer sponsored
health plan
- If you are a student and traveling to Canada or other
US territories
Who’s eligible for Student Health
Insurance
- Healthy full –time college student under the age
of 30
- Students attending a state – accredited college
or university. (The college or universities must be listed
in the Higher Education Directory)
- Students who maintain full-time status for a minimum
of 31 days following the effective date of the policy. Full
time definition: a full time student is defined as an undergraduate
student taking nine or more college credits or a full time
graduate student
Here’s how the Student Health
Insurance works:
- You choose the deductible that best meets your needs
and budget: $250, $500, $1,000, $2,500
- Since this plan is not a HMO or PPO, you pick your doctors
and hospitals
- If you change schools, take a semester off or have to
leave schools, Student Select plans travel with you. and,
because Student Select is renewable, you can keep your coverage
for as long as it’s needed.
- For additional savings, you can use the doctors and hospitals
participating in the PHCS Healthy Directions provider network.
Simply either call PHCS at 1-800-357-6847 or visit them
on the web at www.phcs.com to verify that your doctor or
hospital is part of the PHCS Network. Your medical bills
will be discounted to the negotiated amount through PHCS
Student Health Coverage Plan Highlights:
- Up to 1 million protection; $100,000 per illness or injury
- Freedom to choose your own doctors and hospitals
- Semi-private room and board
- Office visits
- Emergency care
- Surgery
- In-hospital and out patient services
- Home healthcare
- Ground or air ambulance services
- Medical equipment and supplies
- Intensive care
- Medical evacuation benefit
- View our Student
Medical Insurance Frequently Asked Questions
Payment Options
Most student health insurance plans will offer two payment
options.
- Single payment option is good if you
know the exact number of days coverage is needed. The minimum
number of days you may apply for is 30 days; the maximum
is 185 – 365 day depending on the state. Refunds are
available if requested within the 10 day free look period.,
(TIG select offers a 30 day free look period)
- Monthly payment options are used if
you are unsure how long you need coverage. This “pay
as you go” option gives you the flexibility to continue
coverage for as long as it’s needed or simply stop
payments and your coverage will discontinue once paid up
coverage period ends.
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MasterCard or Visa - If you pay your initial
35 days premium by MasterCard or Visa, each additional 30
days of coverage will be automatically charged to your account.
If your temporary need ends prior to this date, simply call
the insurance company and they will stop the automatic account
charge.
-
Automatic Charge to Checking Account –
If you choose to pay monthly by automatic charge to checking
account, you must submit the first 35 day premium via check
along with a separate voided check. All subsequent monthly
payments will be automatically debited from your checking
account. If your temporary need ends prior to this date,
simply call the insurance company and they will stop the
automatic account charge.
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Premium Refund:
If you are not 100% satisfied with the plan, you may
return the contract and identification cards within 10 days
of delivery for a premium refund “No Questions Asked!”
*Based on actual claims data
Plan Exclusions:
It is important to understand that Student Select Health Insurance
is not designed to pay for injuries and illnesses that existed
prior to your policy effective date. 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 child birth; sterilization, treatment
for infertility, genetic testing or counseling; weight reduction
or weight control programs and related surgery; medication
to stimulate growth; dental treatment; routine exams and immunizations;
removal of tonsils or adenoids; custodial care; mental illness
or substance abuse; intercollegiate sports injuries; prescription
drugs; free services; intentionally self-inflicted injury;
cosmetic treatment or surgery; hearing aids, contact lenses,
eyeglasses, eye exams; and 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. |
