Healthy, Wealthy and Wise

Don’t take chances with your student’s most precious asset, their health.

After your son or daughter finishes high school, they think of themselves as an adult. While in many ways they are right, they can vote, legally drive and can serve in the military, they usually will still qualify as a minor dependant on your health insurance.

But soon after this time, health coverage for your child becomes less clear. Some policies will extend coverage to age 22 if they are a full-time student. But what if they do not go on to college, or pursue college part time while working full time? Even with a newly minted college degree at age 21 they may not have a job right away, or may spend a year working at jobs with no benefits to save money for graduate school, and then what coverage do they have?

More Often Than You Might Think

The Student Select health insurance plan helps families across the country more often than you might think.

• Many colleges or universities require students to have health insurance, but the plans they offer may be inadequate. A number of school offer “bare bones” plans that may not be enough to give you security against larger or unexpected expenses
• Your student may attend a college or university that is outside the physician coverage area of your HMO or PPO. So while your policy actually covers them, not having easy and affordable access to a doctor’s care can be an unnecessary risk
• Age and student status can make your child ineligible for your plan from time to time. Student Select offers the reassurance of consistent health coverage day in and day out.

Easy to Use

Having a health plan that is easy to use is important for your child as well. They may not be familiar with making these decisions on their own, since they have had you to guide them. But Student Select offers many nice features that make it a great insurance learning tool.

• You choose the deductible that best meets your needs and budget: $250, $500, $1000, or $2500. The higher the deductible, the lower your premium
• Student Select is not an HMO or PPO, so you can decide which doctors and hospitals you want to use
• If you choose doctors and hospitals participating in the PHCS Healthy Directions program, you will reduce your medical costs further because of the special relationship they have with Student Select
• Your Student Select coverage travels with you if you change schools, or leave school at the end of the semester.

Student Select Plan Highlights

Benefits are paid in the following order: you pay your calendar year deductible; then Fortis Health pays 80% of the next $10,000 of covered expenses; and thereafter Fortis pays 100% of your remaining covered expenses up to $100,000 for each illness or injury. The plan total is $1 million. Other features include:

• Freedom to choose your own doctors and hospitals
• Semi-private room and board
• Office visits
• Emergency care
• Surgery
• In-hospital and outpatient services
• X-ray and laboratory services
• Ground or air ambulance service
• Intensive care

Like many other policies, Student Select is not designed to pay for injuries and illnesses that existed prior to your policy effective date. For other specific items that are or are not covered by the Student Select plan, please visit the Fortis website.

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