Student Select Is Ideal If You Find Yourself In One Of The Following Situations:

• Are you no longer eligible for coverage under your parents’ health plan? Many health plans only cover you up to age 19-23, or they require you to have more college credit hours than Student Select.
• Does your college or university require coverage but you find the college sponsored plan inadequate? Many college or university plans offer "bare bones" benefits that may not be enough to give you financial security against large, unexpected expenses.
• Do you attend school outside an HMO or PPO region? Restrictions on coverage outside service areas may leave you with inadequate protection.
  

Is Your Current Health Coverage Too Expensive?

Traditionally, individual major medical plans cost two to three times as much as Student Select. The cost to include a student on an employer’s health plan as a dependent can also be very expensive.

Who’s Eligible for Student Select?

Eligible Students Must Be:

• A healthy full-time*college student under the age of 30.
• A student attending a state-accredited college or university. (The college or university must be listed in the Higher Education Directory).
• A student who maintains full-time status for a minimum of 31 days following the effective date of the policy.

* Full-time is defined as an undergraduate student taking nine or more college credits or a full-time graduate student.

Plan Exclusions

It is important to understand that Student Select 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 childbirth; sterilization; treatment for infertility; genetic testing or counseling; weight reduction or weight control programs and related surgery; medication to stimulate growth, dental treatment; routine physical 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 certificate you will receive when you purchase Student Select. THIS PLAN IS NOT AVAILABLE IN MAINE, MASSACHUSETTS, NEW HAMPSHIRE, NEW JERSEY, NEW YORK, RHODE ISLAND AND VERMONT.

 

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 outpatient services
• X-ray and laboratory services
• Home health care
• Ground or air ambulance service
• Medical equipment and supplies
• Intensive care
• Medical evacuation benefit
  

Here’s How Student Select Works

You choose the deductible that best meets your needs and budget: $250, $500, $1,000, $2,500. Since this plan is not an HMO or PPO, you pick your doctors and hospitals. For additional savings, you can use the doctors and hospitals participating in PHCS Healthy Directions. Simply call PHCS at (800) 357-6847 or visit them on the web at http://www.phcs.com to verify that your doctor or hospital is part of the PHCS Network. When using the web, click on "Find a Provider," then "Start New Search." Under Step #2, choose "Healthy Directions / Access Advantage" from the drop down menu. At the time of service, present your medical ID card with the PHCS logo on it and your provider will bill you at the reduced network rate for service. If you change schools, take a semester off or have to leave school, Student Select travels with you. And, because Student Select is renewable, you can keep your coverage for as long as it’s needed.

Benefits Are Paid As Follows

First: You pay your calendar year deductible. Then: Once your deductible is satisfied, Fortis Health pays 80% of the next $10,000 of covered expenses. Thereafter: Fortis Health pays 100% of your remaining covered expenses up to $100,000 for each illness or injury. Your total plan maximum is $1 million.

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