Self employed health insurance. A dilemma on self employed health insurance has put health insurance consumers whom are self employed at odds with health insurance over the last few health years. Self employed health insurance is constantly on the rise and health insurance consumers are wondering what to do about health and self employed health insurance rising at such a high self employed rate. Health insurance in general has been rising and self employed health insurance consumers with health need to know about health insurance.

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How can college students meet their needs with a Student insurance plan?


No matter what your specific needs, a Student health insurance plan can provide you with a valuable health insurance solution. Here are some examples illustrating how a Student health plan (e.g. the Student Select plan offered by Fortis Health) might help you:

Situation #1 (College-Sponsored Plan too "Bare-Bones"):
Jack is heading off to college in the fall. At college, he'll be outside of the HMO network region of his parents' health insurance plan, but Jack's parents want to make sure he has adequate health coverage. They did some research and found that the health insurance plan offered through the college is too "bare bones," with lots of limitations on coverage.

Jack's Solution:
Jack's situation is ideal for Student Select. It was designed specifically for students who need greater coverage at an affordable rate while attending college. The Student Select plan offers a choice of deductibles, and because it is not an HMO or PPO plan, Jack can pick the doctor or hospital he wishes to visit. The plan allows for up to $1 million in protection for eligible expenses, including in-hospital and outpatient services, emergency care and surgery.

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Situation #2 (Can't Afford a Traditional Individual Health Insurance Plan):
Amy will be attending college next semester. Her school requires that she have some type of health insurance prior to the start of school. However, Amy doesn't have health insurance through her parents. And, she just can't afford the cost of a traditional individual health insurance plan. She can't risk going without coverage, but she needs a plan that will fit her tight budget.

Amy's Solution:
In many cases, Student Select costs less than a traditional individual health insurance plan. It was designed specifically for students who need quality coverage at an affordable rate while attending college.

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Situation #3 (Graduate Student No Longer Eligible for Parents' Plan):
Bob is in graduate school and is about to turn 24-years old. He just found out that once he does, he will no longer be covered under his parents' health plan. His parents are worried about him not having health insurance.

Bob's Solution:
Student Select is ideal for Bob's situation. The plan is available to full-time graduate students and coverage can be obtained as early as the next day. Enrollment is simple and premiums are affordable. Best of all, Student Select is guaranteed renewable. This means that, provided that Bob attended school full time for 31 days after the policy effective date, Bob can keep the plan as long as he needs it, as long as premiums are paid. This is important after graduation while looking for a job.

Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you think you'll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.

The application process for short-term health insurance is usually simpler than standard, longer-term health insurance. Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care.

Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

Short-term health insurance plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, you may want to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition