Tuition, books, rent, food, fun . . . health insurance?

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 Fortis 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.

What is Student Select?

Student Select is permanent, renewable individual health insurance. It is designed specifically for college students of all ages (up to age 63).

Plan Highlights

	If you need to transfer schools, your Student Select coverage moves with you. Student Select is not tied to any one school. There's no need to change coverage or re-apply. In fact, you're covered when traveling anywhere in the United States, its possessions or Canada.
	You choose your doctors and hospitals. You are never restricted to an HMO or PPO service area.
	With Student Select you're covered year-round, not just during the school term. And, if for some reason, you have to leave school, Student Select stays with you for the remainder of the policy year... and then it's guaranteed renewable.
	Student Select guarantees renewability. Whereas most college plans only cover you until you graduate or very shortly thereafter, Student Select can be renewed as long as it's needed . . . and, of course, as long as the premiums are paid.

Eligibility Requirements

Student Select guarantees acceptance to any eligible student. Any undergraduate (taking nine or more college credits) or full-time graduate student*, attending a state-accredited college or university, up to age 63, is eligible for Student Select.

* Fortis Health will accept the school's definition of full-time.

How the Plan Works

The Student Select plan is simple, affordable and easy to obtain. You choose the plan that best meets your needs and budget.

Deductible Options: $250, $500, $1,000, and $2,500
Coinsurance (also referred to as Rate of Payment): 80/20 to $10,000

Preauthorization

If you are insured under a Student Select policy, you must obtain authorization for all hospital admissions, outpatient surgeries and certain other services. The number to call for Student Select preauthorization is 1-800-454-5105. The Student Select identification card, which is attached to the insurance contract you will receive, also lists the preauthorization phone number.

No HMOs or PPOs

Since Student Select is not an HMO or PPO plan, you can visit the doctor or hospital of your choice. No referrals are needed, no non-network penalties are incurred ... the choice is yours!

Payment Options

You can pay for your Student Select plan on an annual or semi-annual basis. Fortis Health offers two convenient payment methods of credit card (Visa/MasterCard) or personal check. Both the annual and semi-annual payment options are available with the credit card payment method.

Money Back Guarantee

If you are not 100% satisfied with the plan, you can return the contract within 10 days of delivery for a full refund. No questions asked! If a cancellation request is received after the 10 day free look, a prorated refund will be provided as described in the contract. Simply put your request in writing and fax it to 1-414-299-6217 or mail it to: Fortis Health, P.O. Box 3176, Milwaukee, WI 53201-3176.