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When should you consider Student Health Insurance?

  • 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 college-sponsored plan?
  • Finding a traditional individual medical or other current coverage to be too expensive?

At HealthPlanOne, we can provide you a fast and easy quote process. We are proud to offer Student Health Insurance from Assurant Health.

Click on the image below to get a student health insurance quote today.

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Students and parents might not be aware of important facts when considering student health insurance.

  • Approximately 40 percent of parents mistakenly believed that adult children (ages 21 -24) living at home were covered under their health insurance plans.
  • 20 percent of college parents have no idea when their health insurance will no longer cover their college-age children.
  • Most believe that short-term health insurance for a healthy young adult costs more than $100/month; in fact, such policies generally cost around $50/month.
  • 68 percent of the parents were not even aware of the availability of short-term health insurance.

Assurant and HealthPlanOne can help bridge the gap for students who are in need of health insurance. For more information about student health insurance, read Assurant's commonly asked questions. HealthPlanOne also provides a variety of recent news topics and industry information as well as helpful articles. Check out our article on choosing the right plan for children and students.

Why get student health insurance at HealthPlanOne?

  • We educate our customers about the type of health insurance they are seeking.
  • We offer the broadest selection of health insurance.
  • We provide expert customer service through knowledgeable representatives in the health insurance industry.
  • We offer instant online student health insurance quotes.

Student Health Insurance Plan - Student Select

Student Select is the most popular student health insurance plan offered through Assurant and HealthPlanOne. Student Select Health Insurance is an affordable health insurance plan that covers against unexpected illnesses or accidents, high hospital costs as well as everyday doctor visits. It is important to understand that Student Select Health Insurance is not designed to pay for injuries and illnesses that exist at the time a customer's policy becomes effective. Additionally, prescription drugs are not covered. Below are details on Student Select plan benefits.

Feature Student Select
Policy Maximum
  • $1 Million lifetime
  • $100,000 per illness/injury
Plan Deductible This is the annual amount a customer pays before benefits are paid.
  • Individual: $250, $500, $1,000, $2,500
  • This is a calendar year deductible
Coinsurance (also referred to as Rate Payment) This is the percentage of covered medical expenses Assurant Health pays after the deductible is met.
  • 80% of the next $10,000 in covered expenses
  • Assurant Health pays 100% thereafter to $100,000
Prescription Drugs
  • Only inpatient prescriptions are covered. Cost is subject to deductible and coinsurance. There is no co-payment and no prescription card is issued.
OfficeVisits
  • Subject to deductible and coinsurance
Wellness Benefit
  • Not covered except where state mandated
Hospital Room and Board
  • Semi-private rate, subject to deductible and coinsurance
Intensive Care
  • Subject to deductible and coinsurance
In and Outpatient Surgery
  • Subject to deductible and coinsurance
Lab and X-ray
  • Subject to deductible and coinsurance
Substance Abuse, Mental/Nervous Disorders
  • Not covered except where state mandated
Medical Evacuation
  • Coverage is up to $10,000 per lifetime when medically necessary after illness or injury resulting in hospital admission. Evacuation will be to home country or to a facility operating within the laws and standards of home country. (Not available in all states)
Repatriation Benefit
  • Benefit is $10,000 over and above any other maximum benefit amount. (Not available in all states)
Pregnancy
  • Normal pregnancy is not covered. Complications of pregnancy are covered but are subject to deductible and coinsurance.
Pre-Existing Conditions
  • Not covered for the first 12 months
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.

About Assurant Health

Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Primary products include individual medical, small group, short term and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.