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Student Health Insurance>>
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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 in serious financial risk. Think about
this--- if you're currently without health insurance, just one knee injury could
cost you up to $12,000. That's why we offer Student Select --- renewable,
individual health insurance for college students.
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 require you to have more
college credit hours than Student Select.
- Does you college or university require coverage but you find
college-sponsored plans 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 HMO or PPO service areas may leave you with inadequate
protection.
- Is your current health coverage too expensive? Traditionally,
individual major medical plans cost two or 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? To be eligible for Student
Select, you 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
student is defined as an undergraduate student taking nine or more college
credits or a full-time graduate student.
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
1-800-357-6847 or visit them on the web at
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
choose "Start New Search", Under Step #2, choose "Healthy Directions/Access
Advantage" from the drop down menu.
- 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 you coverage for as long as it's needed.
Benefits are Paid as Follows:
- You pay your calendar year deductible.
- Once your deductible is satisfied, the Insurance Company pays 80% of the
next $10,000 of covered expenses.
- After the deductible and out-of-pocket maximums are met. The
Insurance Company pays 100% of your remaining covered expenses up to $100,000
for each illness or injury. Your Total Plan Maximum is $1 million.
Plan Highlights:
- Up to $1 million protection; $100,000 per illness or injury.
- Freedom to choose you 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 ambulance service
- Medical equipment and supplies
- Intensive care
- Medical evacuation benefit
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