COLLEGE STUDENT INSURANCE
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. Think about it - if you're currently without health insurance, just one knee injury could cost you up to $12,000*.

That's why Fortis Health created Student Select - 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 are attending an accredited college or university, you are eligible for Student Select, up to age 63.

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 they require you to have more college credit hours than Student Select.

Does your college or university require coverage but you find the college-sponsored plan 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.

* Based on an average 1997 Fortis Health Student Select Claim

Here's How Student Select Works

You choose the deductible that best meets your needs: $250, $500, $1000, $2500

Since this plan is not an HMO or PPO, you pick your doctors and hospitals.

If you change schools, take a semester off or have to leave school, Student Select travels with you. And, because Student Select is guaranteed renewable, you can keep your coverage for as long as it's needed, as long as you pay your premiums.

Benefits are paid as follows:

FIRST You pay your calendar year deductible.
SECOND Once your deductible is satisfied, Fortis pays 80% of the next $10,000 of covered expenses.
THEREAFTER Fortis 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 air ambulance service
Medical equipment and supplies
Intensive care
Medical evacuation benefit

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!

For more information and an application, please contact Mass Benefits at 1-800-221-3083.

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