|Is your student in college, but out of your insurance network?? That can
lead to "gaps" in coverage, or at the very least, significantly higher expenses
paying the much higher "out of network" rates.
As if college wasn't expensive enough, protecting students health can
greatly increase risk, and cost if not managed properly.
That dilemma is one of the "hidden costs" of a college education faced by
parents and students alike. endeavor group knows this, as we are
parents of college students ourselves. We can help protect students,
regardless of the college or the state that students attend school.
And we can even help protect students attending classes in schools located
in other countries, or trips to most overseas countries. We offer short-term
and student health insurance plans from Fortis, Unicare, World, Golden
Rule, or Blue Cross/Blue Shield of Texas among hundreds of others.
BUT FORTIS STUDENT SELECT IS BY FAR THE BEST AND MOST
POPULAR STUDENT HEALTH PLAN IN THE U.S.
Click on any image to go to the Fortis Student Select Site
Feel free to contact
endeavor group at
any time for more
information or for
the name of a
|"its all about the miles, baby..."
If your Visa/Master Card gives you mileage points or discounts, you
might like Fortis Short Term Medical. Fortis is one of an
internationally recognized health insurance company, with
insurance plans certified in all 50 states and most foreign
countries. It is also one of the few student medical plans with a
credit card and payment plan option, as opposed to an upfront
lump sum payment by check.
endeavor group can help you apply to other student health plans
from the other companies that we represent as well.
Read more about the Fortis Student Health Insurance plans below:
Ideal if you are:
No longer covered as a dependent under your parent's plan
Attending school outside an HMO or PPO region
Required to have coverage but choose not to participate in a
Finding a traditional individual medical or other current coverage
to be too expensive.
Here's some more about how and why
makes good sense:
2401 Roundrock Trail
Plano, TX 75075
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?
Plan Highlights No HMOs or PPOs
Eligibility Requirements Payment Options
How the Plan Works Premium Refunds
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).
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
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.
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.
You must be a full-time student for a minimum of 31 days
following the effective date of your policy.
* 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
Benefits are paid as follows:
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!
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.
If you are not 100% satisfied with the plan, you can return the contract within 10
days of delivery for a refund. 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.
For more information on Fortis Student Select, call:
Contact endeavor group by phone, fax, or email at the numbers at left.
group at information
or call 214-764-6315 or
Fortis Student Select
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 Fortis Health's 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.
group at information
or call 214-764-6315 or
Fortis Student Select
Student Select is designed to protect you in the event of an unexpected
illness or injury. Because of this, dental and eye care, pre-existing
conditions, maternity and routine physical exams are not covered.
What's Not Covered
Pre-existing conditions incurred for first 12 months
Outpatient prescription drugs
Mental illness or substance abuse
Dental and Vision
Routine physical exams
Intercollegiate sports injuries
Note: This is not a complete list of plan exclusions
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.
More specifically Student Select covers...
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.
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.
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.
Covered charges incurred for the first 30 days of confinement in a rehabilitation or
skilled nursing facility for the covered person per calendar year.
Covered charges incurred for the first 40 home health care visits for the covered
person per calendar year.
Covered charges incurred for professional ground or air ambulance service to the
nearest hospital that is able to treat the illness or injury.
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.
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.
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
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 Fortis 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.
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.
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.
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.
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.
Although this is a good description of the important features of the Student Select
plan, this is not the insurance contract and only the actual contract defines coverage.
Benefits may vary by state and by the terms of the insurance contract. The policy
itself sets forth in detail the rights and obligations of both you and the insurance
Although this is a good description of the important features of the
Student Select plan, this is not the insurance contract and only the
actual contract defines coverage. Benefits may vary by state and by
the terms of the insurance contract. The policy itself sets forth in
detail the rights and obligations of both you and the insurance
The following general summary of the services not covered under this plan
may vary according to the state in which the insured resides.
Charges for services or supplies not listed in the covered medical services provision;
charges for complications of treatment or surgery resulting from an excluded service
or procedure; charges for complications resulting from the covered person leaving an
inpatient or outpatient facility against the advice of the covered person's physician.
Charges for drugs or medications.
Free treatment or charges that, in the absence of our coverage, the covered person is
not required to pay.
Charges for missed appointments and provider administrative fees.
Charges for the services of a standby physician except in limited circumstances.
Charges for treatment of the covered person's intentionally self-inflicted illness or
injury, whether sane or insane.
Charges for treatment of an illness or injury caused by or contributed by: (a)
employment; (b) the participation in the military service; (c) war or act of war, (d)
commission of a felony; or (e) participation in illegal activities or riot.
Charges for treatment of an illness or injury that occurs while the covered person has
been under the influence of illegal narcotics or non-prescribed controlled substance.
Charges for injury sustained while: (a) participating in any intercollegiate sport; (b)
traveling to or from such sport as a participant; or (c) participating in any practice or
conditioning program for such sport.
Charges for cosmetic treatment or surgery and any complications arising from such
treatment or surgery.
Charges for hearing aids; eyeglasses; contact lenses; eye exams; eye refraction; eye
surgery for correction of refraction error, orthotics or corrective shoes; repairs to or
prosthetic devices; or routine foot care.
Charges for normal pregnancy or childbirth, cesarean sections or routine newborn
nursery care; genetic testing, counseling or therapy including but not limited to,
amniocentesis and chorionic villi testing; intrauterine or fetal treatment or surgery;
abortion; except as provided in the Complications of Pregnancy Provision; treatment
of sexual dysfunction; transsexual surgery; infertility diagnosis and treatment;
oocyte retrieval; artificial insemination; in-vitro fertilization; surrogate pregnancy;
fees associated with sperm banking; and sterilization or reversal of sterilization.
Charges for treatment, medications or hormones and any other treatment or surgery
for weight control or obesity.
Charges for treatment of psychiatric conditions or substance abuse.
Charges for dental treatment including dental braces or appliances to a sound tooth.
Charges for services rendered by or supplies purchased from a member of the covered
person's extended family or a person residing with the covered person.
If the covered person is eligible for Medicare, that part of any charge for which a
benefit would be paid under Medicare to a person enrolled under Parts A and B of
Medicare, regardless of whether such person actually was enrolled. This does not
apply when the benefits of this plan are, by law, primary to those of Medicare.
Charges for treatment, repair or removal of the tonsils or adenoids.
Charges for services rendered and supplies received which are not for treatment of
illness or injury.
Charges for living expenses; and travel or transportation expenses.
Charges for treatment of chronic pain disorders; biofeedback; aversion therapy;
custodial care; self help programs; services of a non-physician surgical assistant;
services rendered by a masseur, masseuse or rolfer; health club membership fees or
Charges for experimental or investigational services.
Charges incurred outside of the United States or its possessions or Canada.
Charges for which we are unable to determine our liability because you failed to
provide us with the necessary information.
Charges incurred during a hospital confinement prior to surgery unless the
admission is medically necessary for an emergency.
The first $500 of otherwise covered charges not authorized in accordance with the
Benefit Management Program provision or any expense for an organ transplant if
the procedure was not authorized prior to any organ evaluation, testing or donor
Charges incurred after coverage terminates.
Charges incurred for a condition for which there is other liability insurance
providing medical payments or medical expense coverage.
Although the above provides a good description of the important features of the
Student Select plan, this is not the insurance contract and only the actual contract
defines coverage. Exclusions may vary by state and by the terms of the insurance
contract. The policy itself sets forth in detail the rights and obligations of both you
and the insurance company.
group at information
or call 214-764-6315 or
Fortis Student Select
Have a question? Here are the answers to the most commonly
asked questions about Student Select.
Your questions are important to us! If any of your questions are not addressed within
the following topics, please call or email us and we will promptly provide you with the
Q. When does my coverage begin?
A. If you are submitting your application by:
Internet using a credit card - The earliest your coverage can begin is the day
following transmission, if all other eligibility criteria have been met. For example, if
you submit your application online on March 16th, your coverage begins at 12:01 A.M.
on March 17th. Dates of the 29th, 30th and 31st are not available.
All transmissions take place and are recorded based on the time and date in the
Central Time Zone. For example, if you submit your application on-line at or after
10:00 P.M. on March 15th from a location in the Pacific Time Zone, the time of the
transmission will be at or after 12:00 A.M. Central Time. The transmission date of
your application will be March 16th.
Mail and writing a check - The earliest that your coverage can begin is the day
following the U.S. Postal Service postmark, if all other eligibility criteria have been
met. (If the envelope containing your application is not postmarked by the U.S. Post
Office or if the postmark is not legible, coverage will begin the later of a) your
requested date or b) two days prior to the date the application was received by Fortis
Health.) Dates of the 29th, 30th and 31st are not available.
Coverage will take effect provided the following conditions are met: Your completed
application and full premium payment are received by Fortis Health and you meet
the requirement for acceptance.
Q. How many times can the plan be renewed?
A. Student Select is renewable as long as you need it...and, of course, as long as the
premiums are paid. This is important after graduation while looking for a job.
Q. When will I receive confirmation or acceptance of the application?
A. Fortis Health will review the application for eligibility and check the submitted
If you apply via the Internet, you will receive an email message with confirmation or
acceptance of the application shortly after it is submitted. Your identification card
and contract will be sent to the "correspondence address" indicated within
approximately 72 hours of receipt.
If you print out the application and mail it to us, most eligibility determinations are
made within 48 hours of receipt. If the application is complete and the full premium
is paid, the identification card and contract will be sent to the "correspondence
address" indicated within approximately 72 hours of receipt.
Please Note: If you are required to provide proof of insurance to your school, please
submit the application at least two weeks before proof of coverage is needed.
Q. If I graduate or drop out of school, will I lose coverage?
A. No, your Student Select policy stays with you for as long as you need it and, of
course, as long as premiums are paid.
Q. Will coverage be in jeopardy if I drop a class?
A. No, not as long as:
1) You met the definition of an eligible student on the date the application was signed.
2) You attended school full-time for 31 days after the policy effective date.
3) The premium is paid in full.
Q. Who is considered an eligible student?
A. An eligible undergraduate student is defined as a person carrying at least nine
credit hours. An eligible graduate student must meet the graduate student
guidelines of the college or university for full-time student status. Students must
attend a state-accredited college or university. Please check with your college or
university to see if the school is listed in the 2001 Higher Education Directory.
You must be a full-time student for a minimum of 31 days following the effective date
of your policy.
Q. Some schools operate on a quarterly schedule. Full-time undergraduate status is
six to eight credits per term. Do I