Is your student in college, but out of your insurance network?? That can lead to "gaps" in coverage, or at the very least, significantly higher expenses paying the much higher "out of network" rates. As if college wasn't expensive enough, protecting students health can greatly increase risk, and cost if not managed properly.
That dilemma is one of the "hidden costs" of a college education faced by parents and students alike. endeavor group knows this, as we are parents of college students ourselves. We can help protect students, regardless of the college or the state that students attend school.
And we can even help protect students attending classes in schools located in other countries, or trips to most overseas countries. We offer short-term and student health insurance plans from Fortis, Unicare, World, Golden Rule, or Blue Cross/Blue Shield of Texas among hundreds of others. BUT FORTIS STUDENT SELECT IS BY FAR THE BEST AND MOST POPULAR STUDENT HEALTH PLAN IN THE U.S.
Click on any image to go to the Fortis Student Select Site
Feel free to contact endeavor group at any time for more information or for the name of a representative nearest you.
"its all about the miles, baby..." If your Visa/Master Card gives you mileage points or discounts, you might like Fortis Short Term Medical. Fortis is one of an internationally recognized health insurance company, with insurance plans certified in all 50 states and most foreign countries. It is also one of the few student medical plans with a credit card and payment plan option, as opposed to an upfront lump sum payment by check.
endeavor group can help you apply to other student health plans from the other companies that we represent as well.
Read more about the Fortis Student Health Insurance plans below:
Ideal if you are: 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.
Here's some more about how and why
makes good sense:
endeavor group headquarters: 2401 Roundrock Trail Plano, TX 75075 214-764-6315 office 214-764-6380 fax 888-398-6246 toll-free
Tuition, books, rent, food, fun . . . health insurance? 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 at serious financial risk.
That's why Fortis Health created Student Select just for college students . . . specifically those of you who may need to change schools or who may be attending school outside the HMO or PPO region of your parent's health plan.
What is Student Select? Preauthorization Plan Highlights No HMOs or PPOs Eligibility Requirements Payment Options How the Plan Works Premium Refunds
What is Student Select? Student Select is permanent, renewable individual health insurance. It is designed specifically for college students of all ages (up to age 63).
Plan Highlights If you need to transfer schools, your Student Select coverage moves with you. Student Select is not tied to any one school. There's no need to change coverage or re-apply. In fact, you're covered when traveling anywhere in the United States, its possessions or Canada. You choose your doctors and hospitals. You are never restricted to an HMO or PPO service area.
With Student Select you're covered year-round, not just during the school term. And, if for some reason, you have to leave school, Student Select stays with you for the remainder of the policy year... and then it's guaranteed renewable.
Student Select guarantees renewability. Whereas most college plans only cover you until you graduate or very shortly thereafter, Student Select can be renewed as long as it's needed . . . and, of course, as long as the premiums are paid. \ Eligibility Requirements Student Select guarantees acceptance to any eligible student. Any undergraduate (taking nine or more college credits) or full-time graduate student*, attending a state-accredited college or university, up to age 63, is eligible for Student Select.
You must be a full-time student for a minimum of 31 days following the effective date of your policy. * Fortis Health will accept the school's definition of full-time.
How the Plan Works The Student Select plan is simple, affordable and easy to obtain. You choose the plan that best meets your needs and budget.
Deductible Options: $250, $500, $1,000, and $2,500 Coinsurance (also referred to as Rate of Payment): 80/20 to $10,000
Benefits are paid as follows:
Preauthorization If you are insured under a Student Select policy, you must obtain authorization for all hospital admissions, outpatient surgeries and certain other services. The number to call for Student Select preauthorization is 1-800-454-5105. The Student Select identification card, which is attached to the insurance contract you will receive, also lists the preauthorization phone number.
No HMOs or PPOs Since Student Select is not an HMO or PPO plan, you can visit the doctor or hospital of your choice. No referrals are needed, no non-network penalties are incurred ... the choice is yours!
Payment Options You can pay for your Student Select plan on an annual or semi-annual basis. Fortis Health offers two convenient payment methods of credit card (Visa/MasterCard) or personal check. Both the annual and semi-annual payment options are available with the credit card payment method.
Premium Refunds If you are not 100% satisfied with the plan, you can return the contract within 10 days of delivery for a refund. If a cancellation request is received after the 10 day free look, a prorated refund will be provided as described in the contract. Simply put your request in writing and fax it to 1-414-299-6217 or mail it to: Fortis Health, P.O. Box 3176, Milwaukee, WI 53201-3176.
For more information on Fortis Student Select, call: Contact endeavor group by phone, fax, or email at the numbers at left.
Contact endeavor group at information @endeavorgroup.net, or call 214-764-6315 or 888-398-6246 for Fortis Student Select
Student Select covers against unexpected illnesses or accidents. The plan provides for high cost items such as hospital stays and surgery as well as everyday occurrences like doctor visits. However, it is important to understand that Student Select is not designed to pay for injuries and illnesses that exist at the time a customer's policy becomes effective. Following are some highlights of the plan benefits.
Summary of Coverage The following general summary of features on Fortis Health's Student Select plan may vary according to the state in which the insured resides. This summary is not an insurance contract. The policy itself sets forth in detail the rights and obligations of both you and your insurance company. Once you receive your policy, please read it carefully.
Contact endeavor group at information @endeavorgroup.net, or call 214-764-6315 or 888-398-6246 for Fortis Student Select
Student Select is designed to protect you in the event of an unexpected illness or injury. Because of this, dental and eye care, pre-existing conditions, maternity and routine physical exams are not covered.
What's Not Covered
Pre-existing conditions incurred for first 12 months
Maternity
Outpatient prescription drugs
Dependent coverage
Mental illness or substance abuse
Dental and Vision
Routine physical exams
Intercollegiate sports injuries Note: This is not a complete list of plan exclusions
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. More specifically Student Select covers...
Covered charges incurred for: office, inpatient and emergency room visits, including treatment rendered during such visits; surgical services, including necessary post operative care following inpatient or outpatient surgery; services of an assistant surgeon, when we determine the services of an assistant are required to perform the surgery; anesthesia services.
Covered charges incurred for: room, board and routine nursing services that are generally provided to all persons while confined in a hospital. If the covered person is confined in a private room, only charges up to the average semi-private rate of the hospital are covered; inpatient medical care and treatment provided in a hospital; outpatient medical care and treatment provided by a hospital, freestanding ambulatory surgical center or freestanding urgent care center; medical care and treatment provided in an emergency room.
Covered charges incurred for outpatient x-ray, radioactive treatment and laboratory services including one screening mammographic exam per calendar year for a covered female, age 35 or over.
Covered charges incurred for the first 30 days of confinement in a rehabilitation or skilled nursing facility for the covered person per calendar year.
Covered charges incurred for the first 40 home health care visits for the covered person per calendar year.
Covered charges incurred for professional ground or air ambulance service to the nearest hospital that is able to treat the illness or injury.
Covered charges incurred for treatment and diagnosis of vertebrae, disc, spine, back, neck and adjacent tissues. The maximum amount we will pay is limited to $750 for the covered person per calendar year. The $750 maximum does not apply to covered charges incurred for hospital confinements, surgery, anesthesia, drugs, laboratory services, x-rays, MRIs or EMGs.
Covered charges incurred for rental (not to exceed the purchase price) of one basic manual wheelchair, one basic hospital bed, one pair of basic crutches, the initial permanent basic artificial limb or eye and oxygen and the basic equipment needed to administer oxygen; and the initial external breast prosthesis needed because of the medically necessary surgical removal of all or part of the breast, provided the surgical removal was done while the covered person was covered under the plan. Charges for repairs to, replacement of, maintenance of, or enhancement of the whole or parts of such items are NOT covered.
Covered charges incurred for reconstructive surgery required due to an illness which commenced or an injury which occurred while the covered person is insured under the plan.
Covered charges incurred for surgical treatment of temporomandibular joint (TMJ) or craniomandibular joint (CMJ) dysfunction, provided the charges are for services included in a dental treatment plan authorized by Fortis prior to the surgery; charges for nonsurgical treatment of TMJ or CMJ. The maximum amount we will pay for surgical and non-surgical treatment combined is limited to $1,000 for the covered person during his or her lifetime.
Covered charges incurred for the following complications of pregnancy: missed abortion (miscarriage); spontaneous, incomplete or complete abortion (miscarriage); ectopic pregnancy; spontaneous premature delivery of a nonviable fetus; and other medical conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy such as acute pyelonephritis, renal failure, diabetes, cardiac decompensation, malignancy, chronic hypertension and phlebitis.
Covered charges incurred for the covered person's medical evacuation to his or her home country or to a facility operated pursuant to the laws of his or her home country for the care and treatment of illness or injury, should the covered person be admitted as an inpatient to a hospital as a result of illness or injury. The maximum amount we will pay for medical evacuation of the covered person during his or her lifetime is limited to $10,000.
Covered charges incurred for repatriation of the covered person's remains to his or her home country or country of regular domicile should the covered person die while insured under this plan, provided treatment of the illness or injury would have been covered under this plan had the person not died. The maximum amount we will pay for repatriation of the covered person's remains is limited to $10,000.
Covered charges incurred for the following organ transplants: lung(s), heart, heart/lung, liver, kidney, cornea, skin, or allogeneic autologous bone marrow and/or stem cell rescue for acute leukemia in remission, neuroblastoma, advanced Hodgkin's disease, chronic myelogenous leukemia, or severe aplastic anemia. The maximum amount we will pay for any and all organ transplants is limited to $100,000 for the covered person during his or her lifetime. Although this is a good description of the important features of the Student Select plan, this is not the insurance contract and only the actual contract defines coverage. Benefits may vary by state and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and the insurance company.
Although this is a good description of the important features of the Student Select plan, this is not the insurance contract and only the actual contract defines coverage. Benefits may vary by state and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and the insurance company.
Plan Exclusions The following general summary of the services not covered under this plan may vary according to the state in which the insured resides.
Charges for services or supplies not listed in the covered medical services provision; charges for complications of treatment or surgery resulting from an excluded service or procedure; charges for complications resulting from the covered person leaving an inpatient or outpatient facility against the advice of the covered person's physician.
Charges for drugs or medications.
Free treatment or charges that, in the absence of our coverage, the covered person is not required to pay.
Charges for missed appointments and provider administrative fees.
Charges for the services of a standby physician except in limited circumstances.
Charges for treatment of the covered person's intentionally self-inflicted illness or injury, whether sane or insane.
Charges for treatment of an illness or injury caused by or contributed by: (a) employment; (b) the participation in the military service; (c) war or act of war, (d) commission of a felony; or (e) participation in illegal activities or riot.
Charges for treatment of an illness or injury that occurs while the covered person has been under the influence of illegal narcotics or non-prescribed controlled substance.
Charges for injury sustained while: (a) participating in any intercollegiate sport; (b) traveling to or from such sport as a participant; or (c) participating in any practice or conditioning program for such sport.
Charges for cosmetic treatment or surgery and any complications arising from such treatment or surgery.
Charges for hearing aids; eyeglasses; contact lenses; eye exams; eye refraction; eye surgery for correction of refraction error, orthotics or corrective shoes; repairs to or prosthetic devices; or routine foot care.
Charges for normal pregnancy or childbirth, cesarean sections or routine newborn nursery care; genetic testing, counseling or therapy including but not limited to, amniocentesis and chorionic villi testing; intrauterine or fetal treatment or surgery; abortion; except as provided in the Complications of Pregnancy Provision; treatment of sexual dysfunction; transsexual surgery; infertility diagnosis and treatment; oocyte retrieval; artificial insemination; in-vitro fertilization; surrogate pregnancy; fees associated with sperm banking; and sterilization or reversal of sterilization.
Charges for treatment, medications or hormones and any other treatment or surgery for weight control or obesity.
Charges for treatment of psychiatric conditions or substance abuse.
Charges for dental treatment including dental braces or appliances to a sound tooth.
Charges for services rendered by or supplies purchased from a member of the covered person's extended family or a person residing with the covered person.
If the covered person is eligible for Medicare, that part of any charge for which a benefit would be paid under Medicare to a person enrolled under Parts A and B of Medicare, regardless of whether such person actually was enrolled. This does not apply when the benefits of this plan are, by law, primary to those of Medicare.
Charges for treatment, repair or removal of the tonsils or adenoids.
Charges for services rendered and supplies received which are not for treatment of illness or injury.
Charges for living expenses; and travel or transportation expenses.
Charges for treatment of chronic pain disorders; biofeedback; aversion therapy; custodial care; self help programs; services of a non-physician surgical assistant; services rendered by a masseur, masseuse or rolfer; health club membership fees or exercise equipment.
Charges for experimental or investigational services.
Charges incurred outside of the United States or its possessions or Canada.
Charges for which we are unable to determine our liability because you failed to provide us with the necessary information.
Charges incurred during a hospital confinement prior to surgery unless the admission is medically necessary for an emergency.
The first $500 of otherwise covered charges not authorized in accordance with the Benefit Management Program provision or any expense for an organ transplant if the procedure was not authorized prior to any organ evaluation, testing or donor search.
Charges incurred after coverage terminates.
Charges incurred for a condition for which there is other liability insurance providing medical payments or medical expense coverage.
Although the above provides a good description of the important features of the Student Select plan, this is not the insurance contract and only the actual contract defines coverage. Exclusions may vary by state and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and the insurance company.
Contact endeavor group at information @endeavorgroup.net, or call 214-764-6315 or 888-398-6246 for Fortis Student Select
Have a question? Here are the answers to the most commonly asked questions about Student Select. Your questions are important to us! If any of your questions are not addressed within the following topics, please call or email us and we will promptly provide you with the answers.
General Information 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 at 12:01 A.M. on March 17th. Dates of the 29th, 30th and 31st are not available. All transmissions take place and are recorded based on the time and date in the Central Time Zone. For example, if you submit your application on-line at or after 10:00 P.M. on March 15th from a location in the Pacific Time Zone, the time of the transmission will be at or after 12:00 A.M. Central Time. The transmission date of your application will be March 16th. 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 Fortis 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 Fortis 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. Fortis 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.
Eligibility 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
