Florida Individual Health Insurance
College/University Student Health Insurance
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Attention!! The Fortis Health student health insurance plan had a 60% rate increase for effective dates 9/1/02 and after. Here are some other options to consider:
Affordable Health Insurance Online - instant online quotes, plans from one month to 36 months, simplified underwriting
Continental General Affordable Individual Health Insurance - instant online quotes, plan descriptions, provider network and applications
Fortis Health Student Select Individual Health Insurance
Fortis Health Student Select is a renewable, individual health insurance for college students of all ages. If you are an undergraduate with nine or more credits or a full-time graduate student, and you are attending a Florida accredited college or university, you are eligible for student select, up to age 63. The application does not ask any health questions. Everyone meeting the above requirements is accepted.
For information on Fortis Health please click on Fortis Health.
Student Select is ideal if you find yourself in one of the following situations.
You are no longer eligible for coverage under your parents health plan.
Your college or university requires coverage but you find the college-sponsored plan inadequate.
You attend school outside an HMO or PPO region
Your current health coverage or health insurance plans you have looked at are too expensive
How Student Select Works
You choose the deductible that best meets your needs and budget: $250, $500, $1000, $2500
This is not an HMO or PPO so you pick your doctors and hospitals
If you change schools, take a semester off or have to leave school, Student Select travels with you. Because Student Select is guaranteed renewable, you can keep the coverage for as long as needed, as long as you pay your premiums.
Benefits are Paid as Follows
You pay the calendar year deductible
Once your deductible is satisfied, Student Select pays 80% of the next $10,000 of covered expenses
Student Select than pays 100% of the 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 your own doctors and hospitals
Semi-private room and board
Office visits
Emergency care
Surgery
In-hospital and outpatient services
X-rays and laboratory services
Home health care
Ground or ambulance service
Medical equipment and supplies
Intensive care
Medical evacuation benefit
Plan Exclusions
It is important to understand that Student Select is not designed to pay for injuries or 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. Student Select also does not cover normal pregnancy or childbirth, 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 or tonsils, 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. (For plans outside the US, please go to International Health Insurance). Other exclusions as well as other covered services are listed in detail in the policy or certificate you will receive when you purchase Student Select.
Money Back Guarantee
If you are not 100 percent satisfied with the plan, you may return the contract within 10 days of delivery for a full refund. No questions asked!
Rates
To calculate your annual rate multiply the Florida Base Rate by the area factor which is based on the zipcode of the school. Semi annual rates are .55 times the annual rate.
Find the Area Factor of the school by the zipcode of the school (for effective date before 9/1/2002)
Florida (except below)-------1.6
323, 324, 325---------------1.3
330, 331, 332, 333, 340-----2.3
Find the Florida Base Rate below (for effective date before 9/1/2002)
| Deductible | |||||
| Age | Payment Mode | $250 | $500 | $1000 | $2500 |
| 17 to 29 | Annual | $890 | $710 | $550 | $410 |
| Semi-annual | $462.80 | $369.20 | $286 | $213.20 | |
| 30-39 | Annual | $1280 | $1020 | $830 | $640 |
| Semi-annual | $665.60 | $530.40 | $431.60 | $332.80 |
Multiply the Area Factor by the Florida Base Rate to determine the annual premium. For example, the annual cost for a 21 year old in zipcode beginning with 326 for a $250 deductible plan would be 1.6 X $890 = $1424
To download a brochure, rates and application please click on Brochure.
Looking at other options or going to school or living outside of Florida check
Affordable Health Insurance Online - instant online quotes, plans from one month to 36 months, simplified underwriting
Looking for individual health insurance with copays for doctor visits and prescription card
Continental General Affordable Individual Health Insurance - instant online quotes, plan descriptions, provider network and applications
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Pierre Granger AAI,CIRMS
Group & Individual plans available
Website Address
http://www.assurance-reseau.com
E-Mail:
pierre@floridahealthinsurance.com
PH: (954) 328-6750
Fax: (305) 556-3680