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 on 12:01 AM on
March 17th. Dates of the 29th, 30th and 31st
are not available.
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 Assurant 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 Assurant 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. Assurant Health will review the application
for eligibility and check the submitted premium.
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 qualify for Student Select?
A. Yes. You should tell us in writing
(attached to the application) that you are attending a school with a
quarterly class schedule and are meeting the school's definition of
full-time status.
Q. I am a foreign exchange
student. Am I eligible for Student Select coverage?
A. Yes, as long as you meet the eligible
student status requirement defined above.
Q. Can I add my family members
(spouse and dependents) to my policy?
A. The Student Select plan is designed for
individual college students only and does not cover spouses and/or
dependents. Student Select does, however, comply with any state
requirements for newborn coverage.
Q. When can I apply for a
policy? I would like to apply now but won't be a student for another
month?
A. You can apply as soon as you are enrolled
to be an eligible student.
Q. How far in advance can I
apply if requesting a later effective date? In other words, can I apply in
July but request an effective date for September 1st when school begins?
A. Yes, but keep in mind the full premium
must be paid with the application. The policy will be sent out as soon as
it is issued. We would prefer that the application not be completed more
than 60 days prior to the requested effective date.
Q. Are there additional benefits
available?
A. Maternity benefits are available in most
states for an additional charge. Additional benefits such as psychiatric,
substance abuse/mental illness, alcohol, and rehabilitation vary by state.
Q. Does the Student Select plan
cover me when I go out of state?
A. The Student Select plan travels with you
anywhere in the United States, its possessions and Canada. And, although
it does not cover you in a foreign country, Student Select does cover you
for an emergency medical evacuation to the home country or a facility
operating within its laws.
Q. Are prescription drugs
covered?
A. Prescribed drugs are covered if you are
hospitalized as an inpatient. Since outpatient drugs are provided through
most university health centers, they are not a covered benefit with
Student Select. This helps keep the plan affordable.
Q. How often does the deductible
start over?
A. With the Student Select plan, the
deductible is a "calendar-year" deductible. This means it starts
over again on the first day of each new calendar year. The Student Select
plan includes a carryover deductible feature that looks at any covered
charges you had in October, November or December of the previous year that
goes toward meeting the deductible. Assurant Health will carry over the full
amount of these charges to the next year to help meet the new
calendar-year deductible.
