A: Your coverage will take effect provided the application is complete, the full premium is paid and received and you meet the requirement for acceptance.

If paying by credit card using the Internet, the earliest your coverage may begin is the following day. The application and all other eligibility requirements must be met first, though. For example, if you submit your application online on March 16th, your coverage may begin on March 17th. Monthly dates of the 29th, 30th and 31st are unavailable to begin coverage.

The basis for application times is the Central Time Zone, so if you apply from time zones in which it is past midnight in the Central Time Zone the policy will become effective for the following day. Example: 10:01 p.m. Tuesday, in the Pacific Time Zone is 12:01 a.m. Wednesday in the Central Time Zone. Therefore, the coverage would not become effective until Thursday at 12:01 a.m.

If paying by mail and check, the earliest your coverage may begin is the day following the postmark date supplied by the US Postal Service on the envelope, as long as, all eligibility requirements are met. If the envelope is not marked by the US Postal Service, or illegible, the coverage will begin on the date you specified on the application or two days prior to the date the application was received. Monthly dates of the 29th, 30th and 31st are unavailable to begin coverage.

A: Prior to notifying you, we will review your application for eligibility and validate the submitted premium check will cover your policy.

If using the Internet, after you apply and pay the premium, you will receive an email confirming or accepting the application. We will send your ID card and benefits booklet within 72 hours of receipt to the “correspondence address” listed on the application.

If using the mail service, it will take 48 hours to determine eligibility once the application is received. Within 72 hours of receipt, if the application is complete and the premium paid in full, the ID card and benefits booklet will be sent to the “correspondence address” listed on the application.

If your school requires proof of insurance, please make sure to submit your application two weeks prior to the deadline for presenting proof to your school.

A: Yes. In order to make sure you receive the most appropriate care at the most cost-effective price, we us an authorization service. During the process, our experienced staff will work with you and your providers to ensure proper course of treatment and advisement of eligible benefits. This service is easily accessible by contacting the toll-free number on the reverse side of the ID card. To receive maximum benefits, please follow the authorization process in its entirety.

A: To qualify as an available student, an undergraduate student must carry at least nine credit hours and a graduate student must meet the graduate student guidelines of the college or university. Students must attend a state-accredited college or university to be eligible, be under the age of 30 and answer “No” to the medical questions on the application. Additionally, policyholders must be a full-time student for a minimum of 31 days following the effective date of the policy to retain benefits.

A: Please select either annual or semi-annual payment methods. MasterCard and Visa are encouraged.

A: As long as the premiums are paid, you may keep the plan for as long as you wish. If you drop a class, you will be covered, as long as, you met the definition of an eligible student on the date the application was signed, you attend school for a minimum of 31 days following policy confirmation and the premium is paid in full.

A: Yes. Attach with the application a statement mentioning you are attending a quarterly schedule institution and meet the requirements of a full-time student.

A: Yes, foreign exchange students qualify, as long as, they satisfy the requirements of a full-time student.

A: No. The policy is designed for students only and may not cover additional people, but the policy does cover any and all state’s requirements for newborn coverage.

A: As soon as you are enrolled to be a full-time student, you may apply for coverage.

A: A preexisting condition covers an illness or injury in which the policyholder received medical adv ice, diagnosis, treatment or services from a physician within the twelve month period prior to the covered person’s effective date; or a symptom which produced signs or symptoms within the 12 month period prior to the covered person’s effective date.

A: You may renew the policy as many times as you would like, as long as the premium continues to be paid.

A: We would prefer the requested effective date begin no more than 60 days from the application date. Although, the policy is not immediately effective, the premium must be paid in full with the application. We send out the policies as they are issued.

A: For an additional charge, you may receive maternity benefits in most states. Other benefits vary in some states include: psychiatric, substance abuse, mental illness, alcohol and rehabilitation.

A: You are covered in the United States, it’s territories and Canada. Although, the policy does not cover you in foreign countries, it does cover emergency medical evacuation to the home country or a facility operating under applicable laws.

A: In order to keep the plan affordable, the plan covers prescription drugs as an inpatient, but since many outpatient drugs are available through most university health centers, they are not covered.

A: Under the student plan, the deductible is a “calendar-year” deductible. Meaning, every January 1 the deductible begins anew. We will carryover all deductible payments made in October, November and December made the previous year towards fulfilling the new annual deductible.